Athleta Visa Credit Card | Card Review & Rewards Calculator

Athleta Credit 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 about the benefits of the Athleta Visa Credit Card, calculate how many Athleta Points you can earn, and compare results against top rewards cards.


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The Athleta Credit Card earns a solid return for those that love shopping at Gap family 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.

Bonus Categories

The Athleta Credit Card features one bonus category which is for spending at Gap family brands. There is no limit to the amount of bonus points you can earn spending at Gap brands and no limit to the amount of points you can earn with the card overall.

5x Gap Brands

The Athleta Credit Card earns 5 Athleta Points per $1 spent at Gap family brands. Eligible purchases includes purchases made in-store (U.S. & Canada Only), online, via phone, or mail at:

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

Earning 5 points with the Athleta credit card will be equal to earning a 5% return on your purchases which makes this a great option if you spend a great deal at Gap brand stores. Do note that unlike the other Gap credit cards, Athleta credit cards does not offer any kind of special status for running heavy spend through the card. So if you spend enough to earn 5,000 points, you may want to consider a different Gap credit card.

Remember that store cards have a very high interest rate. If you don't plan on paying off your statement every month, the 5% you earn every month will not matter.

1x Non-Category

Any purchases outside of the Gap family brands will earn 1 Athleta Point per $1 spent. This is a terribly low return of 1% and can be beat by many credit cards. I recommend only using Gap credit cards at Gap brand stores. If you want to earn rewards on purchases outside of Gap, you should grab up one of the many 1.5% cash back credit cards on the market or a no-fee 2% cash back card like the Citi Double Cash or PayPal CashBack Mastercard.

Remember that you will only earn 1x Athleta Points on Gap brand purchases made outside of the United States (including Puerto Rico) and Canada.

Perks and Benefits

The Athleta Credit Card features a few useful benefits that can be nice for those who enjoy shopping at Athleta.

Birthday Gift

You will receive a birthday gift annually as long as you have made at least one purchase at Athleta with your Athelta Credit Card within the last 12 months. Your account must also be in good standing. The birthday gift will usually be a coupon to save some additional money off an Athleta purchase.

Expedited Shipping Passes

Every year you will receive two expedited shipping passes that are valid on purchases online at Athleta, Gap, Old Nay, and Banana Republic. Your purchase must include Athleta merchandise otherwise you will not be able to use the pass. Shipping passes can be used to ship to an address anywhere in the U.S. including Puerto Rico.

Other Perks

As an Athleta Credit Card member, you will also have access to 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 Credit Card is 20% off your first Athleta purchase when you open and use the card. This is a nice bonus that doesn't seem to have any kind of cap to it so you can earn some serious cash back if you use the card to make a big purchase. This discount will only apply to purchases made with Athleta. Other Gap brands will not be eligible for this discount.

Bonus Points

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

Credit Card Fees

Fees
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Annual Fee

The Athleta Credit Card has an annual fee of $0. This means you will always earn a 5% return when using your card to make purchases at Gap brand stores.

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 Gap brand stores, adding them will help you build your points faster. Make sure your authorized users only use the card for Gap brand purchases and avoid the low return on non-Gap purchases.

Foreign Transaction Fee

The foreign transaction fee for the Athleta Credit Card is 3%. That means you will be penalized 3% every time you swipe this card outside of the United States. Purchases made at Gap brand stores in Canada will earn you a 5% return, but you'll lose out on 3% of that due to the foreign transaction fee. Other foreign purchases will only earn you 1% so you'll end up losing rewards. I recommend using a card with no foreign transaction fee and to leave this card at home when traveling internationally.

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...
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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.
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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 ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Options
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Deselect All
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
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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
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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.
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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.
$0
Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
$0
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.
$0
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

Editorial Note: All opinions expressed on this site are my own and not those of any bank, rental car company, credit card issuer, hotel company, or any entity mentioned herein. Opinions, calculators, and other editorial content on this page have not been approved or endorsed by any entities on this site. You can read our Private Policy to learn more.

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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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