Athleta Credit Card
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.
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.
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.
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.
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.
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.
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
|Authorized User Fee|
|Foreign Transaction 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.
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.
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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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