If you’ve ever walked into a Gap store and left with a heavy bag and a lighter wallet, you’ve likely heard the cashier’s offer to save money on your purchase by signing up for the Gap Visa Credit Card.

Issued by Synchrony, the $0-annual-fee card can be used anywhere that accepts Visa, although the best value comes from using it at Gap stores, whether in person or online.

1. You’ll earn elevated rewards at Gap and sister brands

Yes, the Gap Visa® Credit Card rewards you for shopping, specifically at Gap. But you’ll also earn elevated rewards using the card at other retailers under the Gap umbrella, which includes Gap Factory, Old Navy, Banana Republic, and Athleta:

Earn 5 points for every $1 spent at Gap and qualifying brands, both in-store and online.
Earn 1 point for every $1 spent everywhere else Visa is accepted.
For every 500 points you earn, you’ll get a $5 reward.

Related post:- How get a free GAP gift card?

2. Those rewards can be used only within the brand

If your goal is primarily to earn discounts on future Gap-brand purchases, this card can deliver. For every $100 you spend on the card at a qualifying store, you’ll earn enough for a $5 discount the next time you shop there.

But if it’s more flexible rewards you’re after such as cashback or statement credits that you can put toward any purchase a general-purpose rewards card is a better choice.

3. You’ll get big discounts

The card’s ongoing rewards are nice, but its discounts maybe even more valuable. For starters, you can save 20% and snag-free shipping on your first purchase at Gap or Gap Factory stores with the card, as long as you purchase within 30 days of opening your account.

The card also offers an extra 10% off every time you shop at Gap and Gap Factory stores. Stacked with the card’s existing rewards, that could add up to some serious savings on clothing.

4. Big spenders can earn ‘Silver’ status

Earn 5,000 reward points within a calendar year and get upgraded to a Gap Silver account. This status comes with a host of money-saving perks including:

1. A quarterly points bonus of 20% of your rewards earned that quarter.
2. One choose-your-own-sale day.
3. Free three- to-five-day business day shipping.
4. Free basic alterations on apparel purchased at the Banana Republic in-store or online.

5. Steer clear if you plan to carry a balance

The ongoing APR is 28.24% Variable. So even if you save a pile of money using the deals and discounts offered by the Gap Visa® Credit Card, make sure you can pay your balance in full every month. Otherwise, the outsize interest rate is sure to negate your initial discounts.

If you have a lot of clothes shopping to do, you might be better off with a general credit card that comes with a 0% intro APR offer on purchases.

To become a Gap Silver Visa cardholder, you would have initially been a Gap Visa cardholder who was upgraded due to elite points earning. Therefore, it’s likely you would have received this new Visa cardmember offer upon initial approval for your Gap Visa card. The fine print reports that each account is only eligible for 1 offer, so it’s extremely unlikely you would be given the opportunity for this new cardmember bonus again.

What are the Additional Visa Card Benefits?

In addition to all of the perks already mentioned above, being a Visa cardholder entitles the rewards member to a few additional benefits standard to all Visa credit cards:

1. Chip and signature technology
2. Zero fraud liability
3. Cardholder inquiry service
4. Lost or stolen card reporting
5. Emergency card replacement and cash disbursement
6. Auto rental collision damage waiver
7. Roadside dispatch® (a pay per use system)