Gap credit cards are issued by Synchrony Bank, and you can pay your bill online, by phone, by mail, or in person at a Gap store
Gap offers two main credit cards: the Gap Visa card and the Gap Store Card. Both are managed by Synchrony Bank, which handles billing and payments. You do not pay Gap directly — you pay Synchrony, the bank behind the card. The fastest way to pay is through the Synchrony website or mobile app, where you can set up a one-time payment or automatic monthly payments.
Your payment options depend on how quickly you need the money to reach your account. Online and phone payments usually post within one to two business days. Mail takes seven to ten business days, so use it only if you are paying well before your due date. In-store payments at Gap locations are immediate but only available for the Gap Store Card, not the Visa version.
Key Takeaways
- Pay through Synchrony's website, mobile app, or by calling 1-866-246-8254 to reach your account in one to two business days.
- Set up automatic payments on the Synchrony website so your bill pays on the same day each month and you never miss a due date.
- Mailing a check takes seven to ten business days, so only use this method if your payment is due more than two weeks away.
- Gap Store Card holders can pay in person at any Gap, Old Navy, Banana Republic, or Athleta store for an immediate payment.
- Your payment due date appears on your monthly statement; paying after that date triggers a late fee and may affect your credit score.
Paying online through Synchrony's website or app
The Synchrony website and mobile app are the most direct routes to your account. Go to mysynchrony.com, log in with your username and password, and select your Gap card from the list of accounts. From there, you can see your current balance, due date, and minimum payment amount. Choose "Make a Payment" and enter the amount you want to pay — you can pay the full balance, the minimum, or any amount in between.
You will need to confirm your payment method (bank account or debit card) and review the payment date before submitting. Synchrony will show you when the payment is expected to post. For most bank accounts, payments post within one business day. If you use a debit card, the timing may vary slightly depending on your bank. The app works the same way as the website and is useful if you need to make a quick payment from your phone.
Setting up automatic monthly payments
Automatic payments remove the risk of forgetting your due date. On the Synchrony website, go to "Manage Autopay" and choose the amount you want to pay each month — the full statement balance, the minimum payment, or a fixed dollar amount you set. You will select which day of the month the payment should come out, and Synchrony will pull the money from your bank account on that date every month.
If you choose to pay the full statement balance automatically, your bill will be paid in full each month, which means you will not carry a balance and will not pay interest. If you choose a fixed amount, make sure it is at least the minimum payment shown on your statement, or you will still be late. You can change or cancel automatic payments anytime through the same menu, so there is no long-term commitment.
Paying by phone
Call Synchrony's customer service at 1-866-246-8254 to pay by phone. Have your card number and bank account or debit card information ready. A representative will confirm your identity, pull up your account, and process the payment over the phone. The call usually takes five to ten minutes. Payments made by phone post within one to two business days, the same as online payments.
Phone payments are useful if you have questions about your balance or due date while paying, or if you are not comfortable entering payment information online. Synchrony's phone line is available seven days a week during business hours. If you call outside those hours, you can leave a callback request or use the automated system to make a payment without speaking to a representative.
Paying by mail
If you prefer to send a check, make it payable to Synchrony Bank and mail it to the address printed on your statement. Do not send payment to a Gap store or Gap's corporate office — it will not reach Synchrony and your payment will be late. The address on your statement is the correct mailing address for your account.
Mail typically takes seven to ten business days to arrive, so only use this method if your due date is at least two weeks away. If you are paying close to your due date, use online, phone, or in-store payment instead. Write your account number on the check so Synchrony can match it to your account. Keep a record of when you mailed the payment in case there is a delay.
Paying in person at a Gap store
If you have a Gap Store Card (not the Visa), you can pay your bill in person at any Gap, Old Navy, Banana Republic, or Athleta store. Bring your card or account number and the amount you want to pay. The cashier will process the payment immediately, and it will post to your account the same day. This is the fastest way to pay if you are already shopping at one of these stores.
In-store payments are only available for the Gap Store Card. If you have the Gap Visa card, you must pay online, by phone, or by mail. Ask a cashier if you are unsure which card you have, or check your statement — the Visa card will say "Visa" on it, and the Store Card will not.
What happens if you miss your due date
Your due date is printed on your monthly statement. If your payment does not post by that date, Synchrony will charge a late fee — usually $25 to $40, depending on your account history. More importantly, a late payment will be reported to the credit bureaus and will lower your credit score. Even one late payment can affect your ability to borrow money in the future.
If you are running late, make a payment immediately through any available method. Online and phone payments post within one to two business days, so if your due date is tomorrow, use one of those options rather than mail. If you have already missed the due date, paying now will stop additional late fees from accumulating, but the late payment will still be reported to your credit file.
Frequently Asked Questions
Can I pay my Gap credit card bill at a Gap store if I have the Visa card?
No, in-store payments are only available for the Gap Store Card. If you have the Gap Visa card, you must pay online, by phone, or by mail. Check your card or statement to see which version you have — the Visa will say "Visa" on the front.
How long does it take for an online payment to show up on my account?
Online payments through the Synchrony website or app usually post within one business day. If you pay on a weekend or holiday, it may take until the next business day. The Synchrony website will show you the expected posting date when you submit the payment.
What if I want to pay more than the minimum but not the full balance?
You can pay any amount between the minimum and your full balance. On the Synchrony website, enter the exact dollar amount you want to pay. The remaining balance will carry over to next month and will accrue interest if you do not pay it in full.
Can I set up automatic payments for a different amount each month?
No, automatic payments are a fixed amount each month. If you want to pay different amounts, you will need to make manual payments each month. You can set up automatic payments for the full statement balance, the minimum payment, or a fixed dollar amount you choose.
Is there a fee to pay my Gap credit card bill?
No, Synchrony does not charge a fee for any payment method — online, phone, mail, or in-store. The only charges are late fees if you miss your due date, and interest if you carry a balance past your statement closing date.