Are you someone who does frequent Athleta shopping or frequently shop at Gap Inc. stores (Gap, Old Navy, Banana Republic, Hill City, and Athleta)? Then, the Athleta Credit Card will be an excellent card for you. Using this credit card, you can earn 5x rewards points on Athleta purchases and 1x points on all other purchases. Also, this card has no annual fee and includes a bunch of other appealing perks.
Athleta Credit Card Overview
This Credit Card is a large retail company that rewards cardholders with points for all their purchases. If you do a lot of shopping or mostly do shopping at the Athleta sportswear store, you may want to take advantage of this card. Your rewards points convert to cash value vouchers to use at Athleta stores. Athleta Credit Card has a few other benefits, too. Keep reading to learn more.
Free Shipping on Online Purchases
Due to covid_19, lockdown is the new normal. So you don’t have to leave home to shop at Athleta but also don’t have to deal with shipping fees. Well, Athleta credit card cardholders get free shipping on all orders of $50 and up. An important feature of online shopping is your order can include items from any Gap Inc. brand.
An additional feature is that you can combine your virtual shopping carts to create one order. This way, it’s easy to meet the free shipping purchase requirement. However, free shipping is only applied to standard shipping, which takes five to seven days to arrive at the destination. Purchases under $50 qualify for a $7 flat-rate shipping charge.
Flat 20% Discount for Your First Purchase
The Athleta Credit Card is part of the more prominent Gap family of brands, which means that the additional features can be beneficial. For example, new cardholders instantly receive 20% off their first purchase at Athleta. But you need to use an Athleta credit card to make the purchases. You can use the discount that same day but only at a physical retail location if you apply for the credit card in-store.
The code/coupon issued for the 20% discount has an expiry date and can expire 30 days from the date of credit card approval. The discount can easily combine with another store offer for even more savings, but you can not apply it to clearance items. Now, As a cardholder, you can earn and redeem points at any Gap Inc. store. However, this discount only applies to purchases at Athleta.
Redeeming Rewards Points on Athleta Credit Card
As already stated, Credit cardholders can redeem their rewards points at any Gap Inc. retailer. So probably, Shop at Athleta to use your rewards point is not necessary for this Credit Card. That’s one of the best features of the Athleta Credit Card. So, the redemption value for the credit card is standard.
For example, You will receive a $5 reward voucher to spend at Gap Inc. brands for every 500 points. If you are a frequent shopper you earn $5 for every $100 you spend. This is like five percent cashback on Gap Inc. purchases. If you don’t shop at Gap Inc. stores, you would have to spend $500 to receive a $5 reward.
The only drawback, of course, is that you can only earn and redeem your points at this rate by shopping at the five retailers listed earlier in this review. The coordinated ratio for all other purchases is a little deficient, but it can help you reach point goals when shopping at these clothing retailers. But overall the Athleta Credit Card has one of the most generous rewards programs.
Athleta Credit Card with Five Brands
The Athleta Credit Card is that you are signing up for a Gap Inc. credit card. Gap Inc. is a retail company that has the following brands: Gap, Banana Republic, Old Navy, Hill City, Athleta. This means that the Athleta cards bring benefits not just at Athleta but at all five of the brands mentioned above.
Also, one can earn extra rewards points at any of these stores and redeem your points at any of these stores. In particular, all five different retailer cards have come as a package deal in one card. Because Athleta specializing in just athletic wear, the frequent consumers are mostly people who are interested in sports.
Program Rates and Fee
As mention before, Athleta Card charges no annual fee, and also, you don’t have to deposit a security deposit. However, few other costs are associated with the card. The foreign transaction fee will be 3% of the transaction every time purchase outside the USA. You get a variable APR of 25.99% based on the Prime Rate and Cash Advance APR of 26.99% variable based on the Prime Rate.
Cash Advance Transaction Fee is Either $10 or 4% of the amount of each cash advance, which is considered relatively high compared to the other credit cards. Additionally, Late Payment Penalty Fee is Up to $40, somewhat considered very high.
Why Should You Apply for the Athleta Card?
This credit card would probably only be ideal for fans of Athleta who go through a lot of athletic wear. This card may, for instance, be a stable card for a fitness instructor. However, the fact that you can use this credit card at so many popular retailers means that almost anyone can benefit from this credit card.
You can also use this Visa card almost anywhere and still earn points. And there is no annual fee. The only reason for applying to the Athleta Visa Card and not another Gap Inc. card is to receive the 20% discount on your first purchase. A couple of other minor perks that cardholders receive from Athleta, like a unique birthday gift, two expedited shipping passes, and early access to sales.
But unfortunately, it’s not a worthwhile card for many other consumers. You can look into a bunch of other store card offers. They also come with many different advantages like rewards, no annual fee, and a lot more.