Quick answer: The Gap credit card is issued by Barclays Bank Delaware, not Synchrony Bank. Accounts are managed at gap.barclaysus.com (Barclays also serves the account from barclaycardus.com), and customer service is 877-523-0478. If an old bookmark or an old phone number no longer works, that is because the card changed banks in May 2022.
Last verified: 10 September 2026. The issuer (Barclays Bank Delaware), the gap.barclaysus.com portal, the 877-523-0478 service number, the variable purchase APR, the 500 points to $1 conversion and the Encore tiers were checked against Barclays’ Gap Encore card disclosures and Gap Inc.’s Encore programme pages on this date. The APR is variable and moves with the Prime Rate, so the figure quoted here is a snapshot — the rate that applies to you is in your own cardholder agreement.
The Gap Card Changed Banks — What That Means for You
Almost every problem people report with this card traces back to one event. Gap Inc. moved its entire credit card programme from Synchrony Bank to Barclays, and Barclays became the exclusive issuer in May 2022. Synchrony had run it for around 22 years.
Three practical consequences:
- The network changed. Synchrony-era Gap cards were Visa. The Barclays cards run on Mastercard.
- The login address changed. The old eservice.gap.com and Synchrony syf.com addresses no longer service this card. Use gap.barclaysus.com.
- The service number changed. See the next section, because this is the single most searched question about this card.
In February 2026 Gap Inc. went further and rebranded its loyalty programme as Encore, which renamed the cards and restructured the membership tiers. Everything below reflects the current arrangement.
Did You Get a Call From 866-450-4467?
This is the most common search that brings people to this page, so it deserves a direct answer.
866-450-4467 was the Synchrony Bank customer service number for the Gap credit card, from the years when Synchrony issued it. Since the programme moved to Barclays in May 2022, the current servicing number for Gap Inc. cards is 877-523-0478.
If you have received a call from a number you do not recognise and the caller says they are from your card issuer, the safe response is the same regardless of which number appeared:
- Do not give out card numbers, your Social Security number or a one-time passcode to someone who called you.
- Hang up and call back using the number printed on the back of your card or on your statement.
- A genuine issuer will never object to you calling back on the official number. Pressure not to hang up is itself the warning sign.
That advice costs you nothing if the call was genuine, and protects you completely if it was not.
Gap Credit Card at a Glance
| Detail | What to know |
|---|---|
| Card issuer | Barclays Bank Delaware (since May 2022) |
| Payment network | Mastercard |
| Account portal | gap.barclaysus.com |
| Customer service | 877-523-0478 |
| Card options | Gap Encore Mastercard, or the Gap Encore Credit Card for store-only use |
| Points at Gap Inc. brands | 25 points per $1 for cardmembers |
| Points at other apparel retailers | 15 points per $1 (Encore Mastercard) |
| Points everywhere else | 5 points per $1 where Mastercard is accepted |
| Reward value | 500 points = $1 reward |
| Purchase APR | Variable, tied to the Prime Rate — see the terms section below |
| Brands | Gap, Gap Factory, Old Navy, Banana Republic, Banana Republic Factory, Athleta |
Rates, fees and programme terms are set by Barclays and Gap Inc. and change over time. Figures here reflect what Barclays and Gap published at the time of writing — always check your own cardholder agreement.
How to Pay Your Gap Credit Card Bill
Pay Online
- Go to gap.barclaysus.com and sign in.
- Select the payment option on your account dashboard.
- Choose the amount — minimum due, full statement balance or a custom figure.
- Select the bank account to pay from, confirm the date and submit.
- Keep the confirmation number until the payment posts.
Set Up Autopay
Scheduling the full statement balance each month is the single most useful setting on the account: it prevents late fees and, because the balance clears in full, it prevents interest entirely. On a card with a high variable APR that matters far more than any rewards rate.
Pay by Phone
Call 877-523-0478 and follow the automated prompts, with your card number and bank details ready. If you are put through to an agent, ask whether an assisted-payment fee applies before confirming.
Pay by Mail
Send a cheque or money order — never cash — with your account number written on it, to the remittance address printed on your current statement. Do not reuse an address from an older Synchrony-era bill; it will not reach the right place. Allow seven to ten days.
Pay in Store
You can pay at the register in any Gap Inc. store. Bring the card and keep the receipt until the payment appears on the account.
How to Log In to Your Gap Credit Card Account
Registering for Online Access
If you held the card before May 2022 and have not set up access since, you must register again. Credentials from the Synchrony era will not be recognised.
- Go to gap.barclaysus.com and choose to register or set up online access.
- Enter your card account number.
- Provide the identifying details requested — typically date of birth, the last four digits of your Social Security number and your ZIP code.
- Create a username and password, and set your security questions.
- Confirm your email address so statements and alerts reach you.
Signing In
- Open gap.barclaysus.com.
- Enter your username and password.
- Complete the one-time passcode step if prompted.
Once inside you can pay your bill, check your balance and available credit, view and download statements, track Encore points and rewards, update contact details, set alerts, and report a lost or stolen card.
Login Problems and How to Fix Them
Your Old Credentials Do Not Work
They belong to the retired Synchrony account. Register again on the Barclays portal using your current card. This is by far the most common cause.
Forgot Your Username or Password
- Select Forgot Username or Forgot Password beneath the sign-in form.
- Enter your card account number and ZIP code, or your username, as prompted.
- Complete the verification steps, then set new credentials.
Account Locked
Repeated failed attempts lock online access, and this cannot be undone from the login page. Call 877-523-0478 and ask for it to be unlocked once your identity is verified.
The Page Will Not Load
- Clear cache and cookies, then retry.
- Try another browser, or a private window with extensions off.
- Switch off any VPN — banking portals commonly block VPN traffic.
- Check your device clock is correct, since a wrong system time breaks secure connections.
The Two Gap Card Options
| Feature | Gap Encore Credit Card | Gap Encore Mastercard |
|---|---|---|
| Where it works | Gap Inc. stores and websites only | Anywhere Mastercard is accepted |
| Points at Gap Inc. brands | 25 per $1 | 25 per $1 |
| Points at other apparel retailers | Not applicable | 15 per $1 |
| Points on all other spending | Not applicable | 5 per $1 |
| Reward value | 500 points = $1 | 500 points = $1 |
| Issuer | Barclays Bank Delaware | Barclays Bank Delaware |
The store-only card is generally offered to applicants not approved for the Mastercard. Both share the same portal, service number and in-store earning rate.
Rewards and Benefits
What Points Are Worth
| Points | Reward value |
|---|---|
| 500 points | $1 |
| 2,500 points | $5 |
| 5,000 points | $10 |
| 10,000 points | $20 |
The rate is a flat 500 points to $1. Older guides describing the retired Gap Good Rewards programme quote different figures — commonly “$5 for every 500 points” alongside “one point per dollar”, which do not agree with each other and do not describe the current programme either way.
How Fast You Earn
- 25 points per $1 at Gap Inc. brands with the card.
- 15 points per $1 at other eligible apparel retailers with the Encore Mastercard.
- 5 points per $1 everywhere else Mastercard is accepted.
- Shoppers without a card earn 5 points per $1 at Gap Inc. brands.
In practice, $20 spent at Gap with the card earns 500 points, worth $1 — an effective return of roughly 5% within Gap Inc. brands.
Encore Membership Tiers
| Tier | How you reach it |
|---|---|
| Core | Free to join, no spending requirement |
| Premier | More than $350 annual spend across the Family of Brands |
| All-Access | Automatic for all cardmembers |
Holding the card places you in All-Access automatically, which is where the higher earning rates come from.
Which Brands Count
The programme spans six retailers: Gap, Gap Factory, Old Navy, Banana Republic, Banana Republic Factory and Athleta. Points pool across all of them, so a purchase at one brand moves you towards a reward you can redeem at another.
The Gap Credit Card Interest Rate and Terms
This section needs stating carefully, because it is where outdated articles do the most damage.
The purchase APR on this card is variable. Barclays discloses that it “will vary with the market based on the Prime Rate”, which means it moves when the Prime Rate moves and no fixed figure stays accurate for long. At the time of writing Barclays published a rate of 33.24% for purchases, balance transfers and cash advances — but the only figure that applies to you is the one in your own cardholder agreement and on your monthly statement.
Two things follow from that:
- Any specific APR quoted in an article is a snapshot, not a promise. Figures such as the 25.99% that circulated during the Synchrony era are simply out of date.
- A high variable APR outweighs the rewards. A 5% effective return inside Gap brands is worth having only if you clear the balance in full every month. Carry a balance at a rate in the thirties and the interest will exceed the rewards many times over.
If you are weighing that trade-off, our guides on paying bills with a credit card, improving your credit score and whether an inactive card hurts your credit score cover the mechanics.
Make Sure You Are on the Real Login Page
A bank change makes cardholders easier to target, because people already expect new addresses, new cards and unfamiliar phone numbers. These habits remove most of the risk:
- Type the address yourself. Reach gap.barclaysus.com from your own bookmark or the address bar — never from a link in an email, a text or a search advertisement.
- Treat “your card is being replaced” messages with suspicion. That was a real event for Gap cardholders in 2022, which makes it a convenient story for anyone phishing them now.
- Never share a one-time passcode. Barclays will not call and ask for an OTP, your full card number or your password.
- Ignore urgency. “Act today or the account closes” is a pressure tactic, not a bank process.
- Avoid signing in over public Wi-Fi — our guide on how to tell if a Wi-Fi network is secure explains what to check.
If you think you entered details on a fake page, call the number on the back of your card immediately and change your password. Our breakdown of a package-tracking text scam shows how convincing these have become, and our safe online shopping guide covers the broader habits.
Gap Credit Card Customer Service
| What you need | Contact |
|---|---|
| Card servicing, payments, lost or stolen card | 877-523-0478 |
| Manage your account online | gap.barclaysus.com |
| Gap shopping, orders and returns | gap.com |
| Former Synchrony-era card number | 866-450-4467 — no longer the issuer for this card |
Report a lost or stolen card immediately, at any hour. Liability protection depends on prompt reporting, and it is the one call that should not wait.
Frequently Asked Questions
Who issues the Gap credit card?
Barclays Bank Delaware. Barclays became the exclusive issuer of Gap Inc.’s credit card programme in May 2022, taking over from Synchrony Bank.
What is 866-450-4467?
It was the Synchrony Bank customer service number for the Gap credit card before the programme moved to Barclays. The current servicing number is 877-523-0478. If someone calls you claiming to be your issuer, hang up and call the number on the back of your card rather than giving details to an inbound caller.
Where do I log in to my Gap credit card?
At gap.barclaysus.com. The old eservice.gap.com and Synchrony syf.com addresses no longer service this card.
Why does my old Gap card login not work?
Credentials created before May 2022 belong to the retired Synchrony account. Register again on the Barclays portal using your current card.
Is the Gap card a Visa or a Mastercard?
Mastercard. The Synchrony-era cards were Visa; the Barclays-issued cards run on the Mastercard network.
What is the APR on the Gap credit card?
It is a variable rate that moves with the Prime Rate. Barclays published 33.24% at the time of writing, but the rate that applies to you is the one in your own cardholder agreement and on your statement.
How many points make $1?
500 points equals $1. Cardmembers earn 25 points per $1 at Gap Inc. brands, so roughly $20 of spending produces a $1 reward.
Can I use my Gap card at Old Navy or Banana Republic?
Yes. The Encore programme covers Gap, Gap Factory, Old Navy, Banana Republic, Banana Republic Factory and Athleta, and points pool across all six.
Conclusion
Three facts resolve nearly every Gap card question: it is issued by Barclays, it is managed at gap.barclaysus.com, and the service number is 877-523-0478. If you are still working from a Synchrony address, an old phone number or a 25.99% APR figure, all three belong to a programme that ended in May 2022. Register once on the current portal, set autopay to the full statement balance so the variable APR never costs you anything, and remember that 500 points make $1.
Managing other store cards? We have guides for the Old Navy credit card, which is part of the same Barclays programme and works identically, plus the TJ Maxx credit card and the Zulily credit card.
Not the card you were looking for? Our store credit card login guide lists the issuing bank, login portal and customer service number for twelve major store cards in one table.
