How To Pay Your Gap Credit Card: Online, Phone or Mail

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It can be hard to find a good credit card that fits your needs. Most credit cards have high-interest rates, annual fees, and other penalties. But Gap Credit Card is a bit different.

Despite its name, the Gap Credit Card isn’t just for shopping at Gap stores. You can also use it at Old Navy, Banana Republic, Athleta, and other Gap Inc. brands. Plus, you’ll earn rewards you can redeem for cash back or merchandise at any of these stores.

In this article, we will tell you all about the Gap Credit Card, payment methods, and late fees. But before, let’s check out all the perks this card offers.

Benefits of Gap Credit Card

If you’re a Gap shopper, you may wonder if it’s worth getting a Gap credit card. After all, plenty of store credit cards are out there, so what makes the Gap card special?

Here are some of the key benefits of the Gap credit card:

  • You can earn 5 points per $1 you spend, and 100 points = $1.
  • All new users get %20 off on their first purchase from Gap and family brands within 14 days.
  • You can get free shipping on orders of over $50.
  • No annual fees and hidden charges.
  • You can gain different levels as a user according to the money you spend annually. The ranking ranges from Core (less than $500), Enthusiast ($500+), and Icon ($1,000+).
  • You can use your Gap credit card to shop from their entire family brands and also other brands.

Online Account Access

You can manage your account online with a Gap Credit Card account. It is a convenient way to keep track of your account activity, make payments, and more.

To access your account online, go to the Gap Credit Card website and log in with your username and password.

Gap Credit Card Login

  1. Go to or
  2. Enter your User ID and Password.
  3. Check the Remember User ID box and click on Secure Login.
  4. That’s it! Now, you can instantly manage your account and track payments.

Register Online

If you have not set up online access for your credit card, then follow these steps:

  1. Go to the website above and click on the I want to Register.
  2. Now, enter your Account number and ZIP Code and click the Continue button.
  3. You can select a User ID and a strong Password containing upper case and lower case letters along with at least one number and special character.
  4. Follow the prompts to confirm your account.

manage gap card

Forgot Password

  1. Open the Synchrony login page and under the login section, click on I forgot my Password.
  2. Enter your User ID and Zip Code and click Continue.
  3. Here, select a new Password.
  4. Now, log in to your account with the new password.

Forgot User ID

  1. On the login page, click on the I forgot my User ID.
  2. Enter your Account Number and Zip Code and click Continue to find your account.
  3. Once verified, you will receive an email with your User ID, which you can use to reaccess your account.

Gap Credit Card Services

GAP Credit Card Bill Pay Phone Number

If you need to reach customer service to pay the GAP credit card bill, the number to call is 800-887-1198, and if you are an international user, you can call 1-302-255-8888

A representative or an automated system will receive your call and assist you in making your payment. You must keep your bank account and routing number near you for a smooth payment process. 

GAP Credit Card Payment Address

If you’re looking to make a payment on your GAP credit card, there are two different addresses you can use, depending on your card type. 

For Gap store cards, use this payment address:

Card Services

P.O Box 60517

2525 Corporate Place, Suite 250

Monterey Park, CA  91754

For Gap Visa cards, use this payment address:


P.O Box 530942 

Atlanta, GA 30353-0942

That’s all you need to make a payment.

Customer Service Hours

GAP Credit Card customer support is available 24 hours daily, including weekends. You can call or email them whenever you want.

How to Pay Gap Credit Card?

There are a few different ways that you can pay your Gap Credit Card bill. You can do it online, by mail, or by phone.


  1. Go to and log in.
  2. Choose the Pay your bill option.
  3. Here, click on the pending payment and enter the required information.
  4. Enter the amount you want to pay, the date, and how you want to make your payment.

By Phone

If you want to pay your bill by phone, the number to call is 800-887-1198. Have your credit card and account information handy when you call. The customer service representative will be able to help you make the payment.

By Mail

If you’re like most people, you probably have a Gap credit card. And if you’re like most people, you probably don’t know how to pay your Gap credit card by mail. Here’s a step-by-step guide on how to do it:

  1. Get an envelope and address it to Card Services, P.O Box 60517, 2525 Corporate Place, Suite 250, Monterey Park, CA  91754.
  2. On the envelope, write your account number in the lower left-hand corner.
  3. Include a check or money order for your minimum payment or full balance. Make the check out to Gap Credit Card.
  4. Put the envelope in the mailbox and send it on its way!
  5. That’s all there is to it!

Via the Mobile App

Gap Credit Card does not have its official app, but you can download the Synchrony app and link it to your card. After that, you can make a payment through it.

How to Avoid Late Fees?

If you’re like most people, you probably dread the thought of having to pay a late fee.

Gap Credit Card’s late fee is $27, which goes up to $37 after 6 billing cycles. This fee can add up quickly, and it can really put a dent in your budget. 

Fortunately, here are a few things you can do to avoid them.

  • First, make sure you know when your payment is due. Most credit card companies will send you a statement each month with the due date for your payment. Mark that date in your calendar, and set a reminder so you don’t forget.
  • If you can’t pay the full balance when it’s due, try to make a partial payment at least. Many credit card companies will waive the late fee if you make a partial payment, so it’s worth a try.
  • Finally, if you know you will be late with a payment, call your credit card company and let them know. They may be able to work with you to arrange a payment plan or something similar.


What Bank Is Gap Credit Card?

Gap credit cards are issued by Synchrony Bank. If you’re unsure which bank issues your credit card, you can typically find this information by looking at the back of your car.

Is Gap Credit Card Changing?

Yes, the Gap Credit Card changed. On June 20, 2022, the Gap Good Rewards Visa® Credit Card was converted to the Gap Good Rewards Mastercard®. For more information about this change, visit the Gap website.

Why Was My Gap Credit Card Closed?

Your account might be closed due to inactivity, but it can also be because of the transformation of the Gap credit card. Your old account got deactivated as that card does not exist. Now, only Gap Good Rewards Mastercard and World Mastercard work.


The Gap Credit Card has no annual fee, and you’ll earn 5 points per $1 spent at Gap Inc. stores. You’ll also get a 20% discount on your first purchase with the card, and there are special financing options available for larger purchases.

If you’re a frequent shopper at Gap Inc. stores, the Gap Credit Card is definitely worth considering. You’ll earn rewards on your everyday purchases, and you’ll get special discounts and financing options that can save you money.