Athleta Credit Card | Card Review & Rewards Calculator

Athleta Credit Card

Review and Rewards Calculator
5x Athleta Brands
Annual Birthday Gift
Two Free Expedited Shipping Passes
Exclusive Bonus Point Days
Early Access To Sales
Early Access To Seasonal Arrivals

Get the details on the benefits of the Athleta Credit Card and how fast you can rake up cash back spending at Athleta, Gap, Banana Republic, and Old Navy.

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The Athleta Credit Card earns a solid return for those that love shopping at Gap Inc. brands. It earns 5% back on purchases with Gap, Old Navy, Banana Republic, and it's own brand Athleta. On top of that it offers several annual benefits such as a birthday gift, exclusive points days, expedited shipping passes, and early access to sales and seasonal arrivals. While it does earn an acceptable amount of points for Gap Brands, using this card for non-category purchases will yield a very sad 1% back.

Athleta Rewards Points Value

Points earned in the Athleta Rewards Program are worth 1 cent each. Every 500 points you earn will grant a $5 reward. Rewards will be issued in increments of $5, with a minimum value of $5 and a maximum value of $50. No more than $250 in Rewards will be issued in any billing cycle. If the reward amount is not a perfect denomination of points, they will roll over to the next billing cycle. The most important part is that rewards will be issued by the same brand as the account whether it be Athleta, Banana Republic, or any other brand of Gap. While the Athleta Credit Cards can build a solid return on points, the restrictions and rules of these points are on the extreme side.

Bonus Categories

The Athleta Credit Cards features one bonus category which is for spending at Gap Brands. There is no limit to the amount of reward points you can earn spending on this Synchrony Card. Below are the details on how the Athleta Credit Card earns points.

5x Gap Brands

The Athleta Credit Card earns 5 Athleta Points per $1 spent on Gap Brands. Gap Brands are considered to be Athleta, Gap, Old Navy, Banana Republic, and any other brand that is owned by Gap Incorporated. Spending at these brands will generate a return of 5% which is great if you're focused on only obtain rewards from these stores. Retail and department stores usually produce one of the best return rates for their own respective store, and this is no different. The only drawback is the restriction of the points and how they can only be used for the same brand as the account.

1x Non-Category

Any purchases outside of the Gap Inc. brands will earn 1 Athleta Point per $1 spent. This is a terrible return of 1% and can beat by a plethora of 1.5% cash back and higher cards. Some examples include the Capital One Quicksilver, AMEX Cash Magnet, and Chase Freedom Unlimited. All of these cards earn at least 1.5% cash back for all purchases and would generate a better return that could get you rewards with Gap Inc. brands faster.

Perks and Benefits

The Athleta Credit Card features a few useful benefits such as a birthday gift, bonus point shopping days, expedited shipping passes, and early access to sales and new arrivals. Below are the details on some of the main features the Athleta Credit Card provides. All features listed below are for the Store Card and the Visa Card unless otherwise noted.

Birthday Coupon

Athleta Credit Card members will receive a birthday gift annually as long as they have made at least one purchase at Athleta with their Athleta Credit Card within the last 12 months. Account must also be in good standing. Birthday will usually be a coupon to save some additional money off an Athleta purchase.

Expedited Shipping

Athleta Credit Card holders will receive two expedited shipping passes per year that are valid on purchases online at Athleta, Gap, Old Nay, and Banana Republic. The purchase must include Athleta merchandise. Shipping only applies to U.S. and Puerto Rico.

Other Perks

Athleta Credit Card members will also have early access to sales, early access to new seasonal arrivals, and receive exclusive bonus point shopping days to receive extra points.

Sign Up Bonus

The Athleta Credit Card sign up bonus is a $20 reward after you're approved for the card. The award will be given in the form of 2,000 Athleta Points and will take about two billing cycles to post to the new account.

Credit Card Fees

Annual Fee
Authorized User Fee
Foreign Transaction Fee

Annual Fee

The Athleta Credit Card annual fee is $0 meaning you will always earn the maximum return that this card offers.

Authorized User Fee

Adding an authorized user to the Athleta Credit Card will cost you $0. If you have friends or family that shop at Athleta, adding them can help build your points faster. I would still have authorized users avoid non-category purchases due to the terrible return outside of Athleta shopping.

Foreign Transaction Fee

The foreign transaction fee for the Athleta Visa Credit Card is 3%. Using this card outside of the United States will eat away your rewards just as fast as you can earn them. I would not use this card for international purchases. I would recommend picking up a card with no foreign transaction fee if you're traveling such as the Barclay Uber Card or Discover IT Chrome Card.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any another rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Compare A Card
Select a card from the list below to compare it side by side against this card. You can search by card name (e.g. chase sapphire reserve, uber visa) or by rewards program (e.g. thankyou points, membership rewards points).
Currency Worth
This is the cash value of points and miles used in these calculations. You can click on the amount to change the value or you can select View Rewards As to calculate your rewards when transferred to partners.
View Rewards As...
0 Cent(s)
View Rewards As...
This section allows you to view your rewards as if you transferred them to a partner. Select a transfer partner below and the calculator will alter the calculator to reflect the transfer ratio and the reward currency of the receiving program. This only applies to the currency of the selected card. Not all programs have transfer partners. I also do not have the cash value of points and miles for all transfer partners.
Edit Value
Enter the cash value of these rewards in cents per point/mile. You can enter the value as X.XX cents or 0.0XXX cents. The maximum value allowed is 15 cents ($0.15) and the minimal value is 0.1 cents ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Deselect All
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
Reward Bonuses
This section holds sign up bonuses, loyalty bonuses, and bonus bonuses. Most bonuses here will be listed automatically based on certain criteria. You can click 'Extra Bonus' if you wish to enter your own bonus amount.
Extra Bonus
Any additional bonuses you wish to add such as a sign up bonus or point bonus for adding authorized users
Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
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Calculator Continues Below
Monetary Bonuses/Perks
This is a list of cash perks and bonuses associated with the selected card(s). Some perks will be listed here automatically. You can click on 'Perk Bonus' if you want to add additional value for the card.
Perk Bonus
Enter how much you value any unmentioned perks this card offers.
Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
Edit Fees
Edit the annual fee and authorized user fee of the Card (if applicable).
Annual Fee: -
Auth Fee: -
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card when everything is taken into account.
Total Return
The percent you are earning per dollar spent on this card.

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Page Last Updated: 2018-11-03
Written By: Robert Flowers III

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About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.

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