Athleta Store Card Calculator

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.
Updated 2020-07-16 By Robert Flowers III

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.

Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee

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 outside of Gap brand stores.

  • 5x Gap Brands
    • Include 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

Perks & Benefits

The Athleta Store Card comes with some nice benefits for those who enjoy shopping specifically at Athleta.

  • Birthday Gift
    • Receive a gift on your birthday annually when you've made at least one purchase on your card within the last 12 months.
    • Gift will typically be a coupon to use at Athleta.
  • Expedited Shipping Passes
    • Receive 2 expedited shipping passes annually.
    • Can be used to ship anywhere in the U.S. (including Puerto Rico).
  • 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.


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.

Rewards Calculator

You can use the 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 the value of the rewards earned and how much each benefit is worth to you, minus the annual fees. You can click the Compare A Card button to compare this card side by side any other card featured on the site within the same calculator.

Note! All category spend entered in the primary card's column (first column when comparing cards) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.

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 other rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Edit Card Options
Compare A Card
Family Cards
These cards are part of the same family.
Similar Cards
These are similar cards based on earning structure and other benefits (that aren't part of the same family).
Search Cards
Search for credit cards by name, rewards program, or rewards currency.
Search Results Display Here
Category Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all rewards earned from Category Spending and Reward Bonuses, along with the cash value of it all based on Currency Worth.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of Total Earnings based on Currency Worth.

Rakuten Rewards

$25 Bonus
Earn $25 or 2,500 Membership Rewards Points when you sign up for a Rakuten Rewards account and make a $25+ purchase. Rakuten and other cash back portals allows you to easily double and triple dip on rewards. I recommend using portals when booking travel or shopping online. You can sign up through The Point Calculator referral link to help out the site.
Sign Up For Free | Rakuten Review
Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User 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 based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

Athleta Store Card FAQ

What are the earning rates of the Athleta Store Card?

You'll earn 5 points on purchases made at Athleta and all Gap Brand stores. The card has no network so you will not be able to use it to make purchases anywhere else.

How much are points worth on the Athleta Store Card?

Each point is worth 1 cent each which means you'll be earning a 5% return on purchases made at Athleta and Gap Brand stores.

What benefits comes with the Athleta Store Card?

You'll receive an annual birthday gift, expedited shipping passes, exclusive bonus point shopping days, and early access to sales and seasonal arrivals.

Does the Athleta Store Card have a sign up bonus?

Yes. You'll get 20% off your first Athleta purchases when you open and use the card to make a purchase.

Does the Athleta Store Card have an annual fee?

No. The Athleta Store Card does not have an annual fee.

Is the Athleta Store Card worth it?

If you frequently shop at Athleta and Gap Brand stores, this card can easily be worth it thanks to it's 5% return. The Athelta Visa Credit Card allows you to make purchases outside of Gap, but you only earn a 1% return.

How much in rewards can I earn using the Athleta Store Card?

It depends on how much you spend. You can use the Athleta Store Card Calculator on this page to calculate how many points you can earn based on spend and compare against other cards, including Gap credit cards.

Is the Athleta Store Card better than the Athleta Visa Credit Card?

In my opinion, both cards are on the same level. The Athelta Visa allows you to make purchases everywhere Visa is accepted, but it will only earn you a 1% return outside of Gap Brands which is not good.

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