Athleta Store Card | Card Review & Rewards Calculator

Athleta Store Card

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

Learn the benefits and perks that comes with the Athleta Store Card, calculate how many Athleta Points you can earn, and compare results against top cards.

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The Athleta Store Card is a network-less credit card that can only be used at Gap family brands and cannot be used anywhere else. It earns 5% back on purchases made at Gap, Old Navy, Banana Republic, and it's own brand Athleta. As a cardholder, you will also receive a bunch of other benefits which includes expedited shipping passes, exclusive bonus point shopping days, and early access to sales and seasonal arrivals. Since the Athleta Visa Credit Card earns a terrible 1% on non-category purchases, you're not missing out on anything when it comes to picking up the Athleta Store Card.

Bonus Categories

The Athleta Store Card 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 the card. Since the card has no network, you will not be able to use it anywhere else outside of Gap brand stores.

5x Gap Brands

The Athleta Store Card earns 5 Athleta Points per $1 spent at Gap brand stores. This counts as purchases made in-store, online, over the phone, and via mail with:

  • Athleta
  • Gap
  • GapBody
  • babyGap
  • GapKids
  • Gap Maternity
  • Gap Outlet
  • Gap Factory Store
  • Banana Republic
  • Banana Republic Factory Store
  • Old Navy
  • Old Navy Outlet

Spending at the above brands on this card will be equal to earning a 5% return at Gap brand stores which is a pretty great return. If you spend a lot at Gap brands, this is not a bad card to have. Just remember that store cards have high interest and that if you don't pay off your statement every month, earning 5% will not matter since interest will eat away your rewards faster than you can earn them.

0x Non-Category

This card does not have a network so non-category purchases cannot be made on this card. You will need to use the Athleta Visa Credit Card to earn points on non-Gap purchases, but you'll be earning a low 1% return so I do not recommend doing such.

Perks and Benefits

The Athleta Store Card comes with some nice benefits for those who shop at Athleta.

Birthday Gift

Every year, you will receive a birthday gift as long as you have made at least one purchase on your Athleta Store Card within the last 12 months and your account is in good standing. The birthday gift will typically be a coupon to use at Athleta to save some money on your purchase.

Expedited Shipping Passes

You will receive two expedited shipping passes annually that are valid on purchases made online at Athleta, Gap, Old Navy, and Banana Republic. In order to use the pass, your purchase must include some type of Athleta merchandise. You can use these passes to ship to anywhere in the U.S. (including Puerto Rico).

Other Perks

Along with the two perks above, you will also receive the following additional benefits:

  • Exclusive Bonus Point Shopping Days
  • Early Access To Sales
  • Early Access To New Seasonal Arrivals

Sign Up Bonus

The standard sign up bonus for the Athleta Store Card is 20% off your first Athleta purchase when you open and use your new card. Since there doesn't seem to be a cap on this discount, you'll want to apply for this card when you're ready to make a large purchase in-store or online. This discount will only apply to purchases at Athleta and will not apply to purchases made with other Gap brands.

Bonus Points

You can "Connect" with Gap on the application page to receive exclusive cardholder-only offers. This allows you to earn up to 1,000 Athleta Points by entering your email address and by selecting Go Paperless for paperless billing. This an easy $10 reward that I recommend grabbing up on the bottom of any Gap credit card details page if you already have a Gap credit card.

Credit Card Fees

Annual Fee
Authorized User Fee
Foreign Transaction Fee

Annual Fee

The Athleta Store Card has an annual fee of $0 meaning you will always earn the maximum 5% return that this store card offers on Gap brand purchases.

Authorized User Fee

There is no authorized user fee to add additional users to your Athleta Store Card. If you have other friends/family that shop at Gap brand stores, I recommend adding them as authorized users since all purchases will earn you a 5% return.

Foreign Transaction Fee

This card has no network which means it cannot be used outside of Gap brand stores. Foreign Transaction Fees will not apply to this 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.
Learn how you can use cash back portals to earn hundreds in cash back every year booking travel and shopping online. Easily double and triple dip on rewards when you combine cash back portals, loyalty programs, and rewards credit cards.
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: 2020-02-08
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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