How To Make a Gap Credit Card Payment

HONG KONG - CIRCA SEPTEMBER, 2016: close up shot of GAP sign in Hong Kong.
Sorbis /

Shoppers who frequent Gap or any of its sister stores can benefit from getting a Gap credit card. Not only do you get extra time to pay for purchases, but you can also reap rewards by using the Gap Good Rewards credit card, Gap Good Rewards Visa credit card or Gap Inc. Visa Signature credit card issued by Synchrony Bank, or the Gap Good Rewards card or Gap Good Rewards Mastercard issued by Barclays.

You can use your Gap credit card at Gap, Banana Republic, Old Navy, Athleta and the branded outlet stores. Gap Visa cards and Mastercards are accepted at any store that accepts payments from Visa or Mastercard.

Read More: Why It’s Time to Get Rid of Your Store Credit Card

After you make your purchases, you’ll need to make the required payments by the due date to keep your account in good standing. You can make a Gap credit card payment online, through the mail or by phone. Unfortunately, stores do not accept payments for Gap credit cards at this time. Here’s more on your payment options.

How To Make a Gap Credit Card Payment Online

You can make a Gap credit card payment online whether your card was issued by Synchrony or Barclays.

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Synchrony Cards

To make Gap credit card payment online, you’ll need to register for online access. Here’s how:

  1. Visit the Cardmember Account Service login page.
  2. Click to register.
  3. Enter your account number and ZIP code.
  4. Follow the prompts on the screen to register the account.

After completing the registration process, you can log in to complete the payment. Here’s how:

  1. Go to the login page and log in to your Gap credit card account with your username and password.
  2. Click “Pay your bill.”
  3. Enter your bank name, checking account number and bank routing number.
  4. Select the amount you want to pay. You can make the minimum payment due, or pay the balance from your previous statement, your current balance or any amount up to your current balance.
  5. Submit your payment.

If you don’t want to log in to your account, you can use the “Pay as Guest” feature on the Cardmember Account Services page. Provide your card number, the last four digits of your Social Security number and your billing  ZIP code. Then follow the prompts to submit the payment.

Note that if your login doesn’t work through the Synchrony website, it’s possible that your card account has been transitioned to Barclays and you’ll need to use that system.

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Barclays Cards

To make a Gap credit card payment through Barclays, you’ll need to register your account on its website. Here’s how:

  1. Go to the Barclays Card Services page.
  2. Click “Set up online access.”
  3. Enter the last four digits of your Social Security number, your account number and your current occupation to verify your identity.
  4. Click “Continue” and follow the prompts to register your account.

Once you have registered your account, you can make a payment online by entering your username and password under “Cardmember Sign In” on the Card Services page and logging in, then following the prompts to make your payment.

How To Make a Gap Credit Card Payment by Mail

You also have the option to mail in your Gap payment. Write a check or money order for at least the minimum payment due. Include the payment with the payment coupon from your billing statement, or note the account number on the check. Then send everything to the address that corresponds with your card.

Synchrony Cards

For Gap store cards, use this payment address:

Gap/Synchrony Bank
P.O. Box 960061
Orlando, FL 32896-0061

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For Gap Visa cards, use this payment address:

Gap Visa/Synchrony Bank
P.O. Box 960013
Orlando, FL 32896-0013

Barclays Cards

Regardless of which Gap card you have — the Gap Good Rewards card or Gap Good Rewards Mastercard — you can mail your payment to either of the following addreses.

Card Services
P.O. Box 13337
Philadelphia, PA 19101-3337

Card Services
P.O. Box 60517
City of Industry, CA 91716-0517

How To Make a Gap Credit Card Payment by Phone

Gap also allows you to make credit card payments over the phone. To pay by phone, gather your credit card number, bank account number and bank routing number.

Synchrony Cards

For Gap Good Rewards cards issued by Synchrony, call Gap credit card services at 800-887-1198. Or, for Gap Visa or Visa Signature cards, call 866-450-4467. Follow the automated prompts to schedule your payment. There is no fee to use the automated system, but you will be charged for expedited payments made through a customer service representative.

Barclays Cards

If your card was issued by Barclays, you can call 302-622-8990 to make a payment. Be aware that there may be a fee to make a payment through a customer service representative.

Late Fees for Gap Cards

If you fail to make your Gap credit card on time, you’ll be charged a late fee. For Synchrony cards, the regular late fee is $29. However, if you’ve had a late fee applied to your account within the past six billing cycles, the fee will increase to $40.

For cards issued by Barclays, the late fee is up to $41.

Amber Barkley contributed to the reporting for this article.

Information is accurate as of Sept. 22, 2022.

Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.

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