If you have a Gap credit card like the GapCard or Gap Good Rewards Mastercard, you likely use it for purchases across Gap brands to earn rewards. But when your statement comes, you need to know how to quickly and easily pay your Gap credit card bill to avoid interest charges.
In this comprehensive guide, we’ll explain everything you need to know about paying your Gap credit card bill, including:
- Understanding your Gap credit card statement
- Ways to pay your Gap card bill
- Setting up autopay
- Paying online, by phone, or by mail
- Avoiding late fees
- Making a payment if your account is closed
- FAQs about Gap card bill payments
Follow these tips to keep your Gap credit card account in good standing by paying your bill on time every month
Understanding Your Gap Credit Card Statement
Your Gap card statement provides a summary of your account activity and breaks down what you owe for the billing period Key elements include
-
Statement date – The closing date of the billing cycle.
-
Payment due date – The date your minimum payment is due, around 3 weeks after the statement date.
-
Minimum payment – The minimum amount you must pay by the due date
-
Current balance – Total amount owed as of statement date. Includes purchases, interest, fees.
-
Available credit – Credit limit minus current balance.
-
Transaction activity – All purchases, payments, credits, and fees from the period.
-
Interest charges – Interest accrued if carrying a balance.
Review your statement carefully each month and pay at least the minimum payment by the due date to avoid late fees.
Ways to Pay Your Gap Credit Card Bill
You have several convenient options to pay your Gap credit card bill:
Pay Online
The quickest way to pay is through your online account portal:
-
GapCard – Online Account Access
-
Gap Rewards Card – Account Servicing
Log in to make one-time or recurring payments.
Pay by Phone
Call the number on your statement to make automated payments:
-
GapCard – 1-800-887-1198
-
Gap Rewards Card – 1-888-232-0780
Have your account number, payment amount, and bank details ready.
Pay by Mail
Send a check or money order with your payment coupon to the address on your statement. Allow 5-7 days for delivery.
Pay In Person
Take your payment to a Gap store register or Gap Outlet cashier if your account is still open. Retain your receipt.
Set Up Autopay
For hands-free payments, enroll in autopay through your online account. Your bill will be automatically paid in full each month on the due date. You avoid late fees and save time.
Avoid Late Fees
To avoid a Gap credit card late fee, be sure to:
- Note your statement closing and due dates each month.
- Pay at least the minimum payment by the due date.
- Allow extra time for mailed payments.
- Pay online or phone by 8pm ET for same-day credit.
The GapCard and Gap Rewards Card both charge late fees up to $40.
Pay a Closed Gap Credit Card Account
If your Gap card account is closed, you still need to pay any outstanding balance. Contact customer service to pay by phone or mail a payment to the address on your last statement.
Frequently Asked Questions
Below are some common questions about paying Gap credit card bills:
When is my payment due?
Your minimum payment is due around 3 weeks after the statement closing date. Check your statement.
What is the mailing address to send payments?
The address is listed on the payment coupon or statement. Send with your account number.
Can I pay at a Gap store?
Yes, make in-store payments if your account remains open. Closed accounts must pay by phone or mail.
Is there a fee to pay online?
No, the Gap provides free online account access to make payments.
When will a mailed payment be credited?
Allow 5-7 days for the Post Office mail delivery and processing time. Pay early to avoid issues.
Can I schedule recurring payments?
Yes, you can set up recurring auto-payments through your online account for hands-free billing.
Pay Your Gap Credit Card Bill with Ease
No matter which Gap credit card you have—the GapCard or Gap Rewards card—make sure you pay your bill on time every month. Sign up for autopay, use the mobile app, or pay online for convenience. Avoid late fees and keep your account in good shape.
It’s time for an update.
To continue accessing and managing your account, please update your browser.