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Athleta Rewards Mastercard® card

Athleta Rewards Mastercard®

By the Best Credit Cards Guide editorial team · Information from the original card page, updated May 28, 2025

Annual fee
None
Recommended credit
Excellent
Card network
Mastercard
Regular purchase APR
31.24% variable based on the Prime Rate
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Check before you apply: the rates, fees and offers on this page are as listed on the original card page (updated May 28, 2025) and may have changed. Confirm current terms on the issuer’s website. Best Credit Cards Guide may be compensated by some issuers; see our Advertiser Disclosure.

At a glance

The Athleta Rewards Mastercard® rewards cardholders with rewards points for all their purchases. Cardholders earn more rewards for purchases made at Athleta and other Gap Inc. brands. This card has no annual fee and includes a bunch of other appealing perks.

Our review of the Athleta Rewards Mastercard®

If you’re a frequent shopper at Athleta and other Gap Inc. brands, the Athleta Rewards Mastercard® could be a great fit for you. This retail card offers cardholders the opportunity to earn points on all purchases, which can be converted into cash value certificates to use at Athleta stores. But the benefits don’t stop there – keep reading to learn more about this versatile card.

One Card for Five Brands

The Athleta Rewards Mastercard® is actually a Gap Inc. credit card, which means you can earn and redeem rewards at not just Athleta, but also at other popular brands like Gap, Banana Republic, Old Navy, and Hill City. This gives cardholders the flexibility to earn points at multiple retailers and use them wherever they choose. With five retail cards in one, the opportunities for rewards are endless.

Earning Rewards Points

Cardholders can earn five points for every dollar spent at Gap Inc. stores, and one point for every dollar spent elsewhere with the Athleta Rewards Mastercard®. This tiered points system allows for quick accumulation of rewards, especially if you shop at multiple Gap Inc. brands in one visit. The earning potential with this card is virtually limitless.

Redeeming Rewards Points

Points can be redeemed at any Gap Inc. retailer, with a $5 reward voucher given for every 500 points earned. This translates to essentially earning 5% cash back on purchases at these stores, making the rewards program one of the most generous among retail cards. While the redemption value is standard, the ability to earn and redeem points at multiple brands sets this card apart.

Additional Perks

New cardholders receive a 20% discount on their first purchase at Athleta when using the Athleta Rewards Mastercard®. This discount can be used in-store or online, and expires 30 days from credit card approval. In addition, cardholders receive free shipping on orders of $50 or more, which can include items from any Gap Inc. brand. Returns are also free of charge, either by mail or in-store.

Should You Apply?

The Athleta Rewards Mastercard® offers a unique opportunity to earn and redeem points at five different popular retailers, making it a versatile choice for many consumers. With no annual fee and the ability to earn points almost anywhere, this card is a great option for those who shop frequently at Gap Inc. brands. The 20% discount on the first purchase, along with other minor perks, make this card a valuable addition to any wallet.

Card features

Benefits as listed on the original card page. They can change; confirm details with the issuer.

  • Earn 5X points per dollar spent at Gap Inc. brands
  • No annual fee
  • Enjoy member-only exclusive offers

Who this card may suit

  • You are a frequent Athleta shopper
  • You also often shop at Gap Inc. stores (Gap, Old Navy, Banana Republic, and Hill City)
  • You want to earn 5x rewards points on Athleta purchases and 1x points on all other purchases
  • You do't want to pay an annual fee

Rates, fees and terms

Rates, fees and terms as listed on the original card page (updated May 28, 2025). Confirm current terms on the issuer’s site.
Annual FeeNone
Regular Purchase APR31.24% variable based on the Prime Rate
Balance Transfer APR31.24% variable based on the Prime Rate
Balance Transfer Transaction FeeEither $5 or 5% of the amount of each transfer, whichever is greater.
Cash Advance APR32.24% variable based on the Prime Rate
Cash Advance Transaction FeeEither $10 or 5% of the amount of each cash advance, whichever is greater.
Foreign Transaction Fee3% of each transaction in U.S. dollars.
Late Payment Penalty FeeUp to $41
Return Payment Penalty FeeUp to $41

Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit.

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Athleta Rewards Mastercard®

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