Athleta Visa Credit Card Calculators

Rewards calculator for the Athleta Visa Credit Card. Calculate total points and compare against top retail cards. Details on benefits, bonuses, and more.
Updated 2020-07-16 By Robert Flowers III

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.

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

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
    • 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
  • 1x Non-Category

Perks & Benefits

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


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 internationally. 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.

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 Credit Card FAQ

What are the earning rates of the Athleta Credit Card?

You'll earn 5 points on purchases made at Athleta and all Gap Brand stores. You'll earn 1 point on all other purchases.

How much are points worth on the Athleta Credit Card?

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

What benefits comes with the Athleta Credit 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 Credit 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 Credit Card have an annual fee?

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

Is the Athleta Credit 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.

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

It depends on how much you spend. You can use the Athleta Credit 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.

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