The Gap ( GPS)
Buy a Gap, Old Navy, Banana Republic or Piperlime or Athleta card. It really doesn't matter. Any of those cards can be used at all the stores in the Gap family, which is a clever little bid for brand loyalty by Gap but a great coup for holiday shoppers facing a gift list with fickle fashion sense.

Whether you're a silk-shirted Banana Republic customer seeking some post-collegiate style or an Old Navy mom just looking for some cheap jeans, the policy on the $10 to $500 gift card you're using is the same: The card never expires, has no fees, ships for free if ordered online and can be used in stores or on the various brand Web sites.

Even with all those options, it's the little features that add up to a big draw for Gap cards. If there's less than $5 on the card, for example, the user has the option to either reload or get cash back. If that same user decides to shun the Gap brands altogether, Gap will give him or her a check for the value of the unused card.

-- Written by Jason Notte in Boston.

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Jason Notte is a reporter for TheStreet. His writing has appeared in The New York Times, The Huffington Post, Esquire.com, Time Out New York, the Boston Herald, the Boston Phoenix, the Metro newspaper and the Colorado Springs Independent. He previously served as the political and global affairs editor for Metro U.S., layout editor for Boston Now, assistant news editor for the Herald News of West Paterson, N.J., editor of Go Out! Magazine in Hoboken, N.J., and copy editor and lifestyle editor at the Jersey Journal in Jersey City, N.J.

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