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5X points at Athleta and Gap Inc. brands with $0 annual fee
Earn 5 points per $1 at Athleta, Gap, Old Navy, and Banana Republic — effectively 5% back on every in-brand purchase. With $0 annual fee, 20% off your first purchase, free shipping on $50+ orders, and automatic Enthusiast status with birthday bonuses and early sale access, this card turns regular Gap Inc. shopping into consistent savings.
$0
Annual Fee
5X
Top Rate
Annual Fee
$0
Network
Mastercard Standard
Rewards Currency
Gap Family
Credit Required
Excellent
5X
Earn 5 Points for every $1 spent at Athleta
5X
Earn 5 Points for every $1 spent at Banana Republic
5X
Earn 5 Points for every $1 spent at Gap
5X
Earn 5 Points for every $1 spent at Old Navy
Spend $200/month across Gap Inc. brands and earn 12,000 points per year — that's $120 in rewards, plus up to $20 more from the Family of Brands bonus.
Spend $500/month on groceries, gas, and dining to earn 6,000 points per year — $60 in Gap Inc. rewards.
Benefits & Perks
Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Items purchased with your card are covered against damage or theft for 45 days, up to $100 per claim.
Reviews & Analysis
| Publication | Rating | Rank | Notes |
|---|---|---|---|
| Supermoney | |||
| Upgraded Points | 2/5 |
The Athleta Rewards Mastercard earns 5X points (5% back) at all Gap Inc. brands with no annual fee. Points redeem at 1 cent each for store credit only. The 1X rate on non-brand purchases and 3% foreign transaction fee make it weak outside the Gap ecosystem.
Details & Terms
| Purchase APR | 33.24% (Variable) |
| Cash Advance APR | 33.24% (Variable) |
Gap Inc Rewards family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
| Gap Rewards Mastercard | entry | — | |
| Navyist Rewards Mastercard | entry | — | |
| Banana Republic Mastercard | entry | — |
5X points at Athleta and Gap Inc. brands with $0 annual fee
Earn 5 points per $1 at Athleta, Gap, Old Navy, and Banana Republic — effectively 5% back on every in-brand purchase. With $0 annual fee, 20% off your first purchase, free shipping on $50+ orders, and automatic Enthusiast status with birthday bonuses and early sale access, this card turns regular Gap Inc. shopping into consistent savings.
$0
Annual Fee
5X
Top Rate
Annual Fee
$0
Network
Mastercard Standard
Rewards Currency
Gap Family
Credit Required
Excellent
5X
Earn 5 Points for every $1 spent at Athleta
5X
Earn 5 Points for every $1 spent at Banana Republic
5X
Earn 5 Points for every $1 spent at Gap
5X
Earn 5 Points for every $1 spent at Old Navy
Spend $200/month across Gap Inc. brands and earn 12,000 points per year — that's $120 in rewards, plus up to $20 more from the Family of Brands bonus.
Spend $500/month on groceries, gas, and dining to earn 6,000 points per year — $60 in Gap Inc. rewards.
Benefits & Perks
Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Items purchased with your card are covered against damage or theft for 45 days, up to $100 per claim.
Reviews & Analysis
| Publication | Rating | Rank | Notes |
|---|---|---|---|
| Supermoney | |||
| Upgraded Points | 2/5 |
The Athleta Rewards Mastercard earns 5X points (5% back) at all Gap Inc. brands with no annual fee. Points redeem at 1 cent each for store credit only. The 1X rate on non-brand purchases and 3% foreign transaction fee make it weak outside the Gap ecosystem.
Details & Terms
| Purchase APR | 33.24% (Variable) |
| Cash Advance APR | 33.24% (Variable) |
Gap Inc Rewards family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
| Gap Rewards Mastercard | entry | — | |
| Navyist Rewards Mastercard | entry | — | |
| Banana Republic Mastercard | entry | — |
5X points at Athleta and Gap Inc. brands with $0 annual fee
Earn 5 points per $1 at Athleta, Gap, Old Navy, and Banana Republic — effectively 5% back on every in-brand purchase. With $0 annual fee, 20% off your first purchase, free shipping on $50+ orders, and automatic Enthusiast status with birthday bonuses and early sale access, this card turns regular Gap Inc. shopping into consistent savings.
$0
Annual Fee
5X
Top Rate
Annual Fee
$0
Network
Mastercard Standard
Rewards Currency
Gap Family
Credit Required
Excellent
5X
Earn 5 Points for every $1 spent at Athleta
5X
Earn 5 Points for every $1 spent at Banana Republic
5X
Earn 5 Points for every $1 spent at Gap
5X
Earn 5 Points for every $1 spent at Old Navy
Spend $200/month across Gap Inc. brands and earn 12,000 points per year — that's $120 in rewards, plus up to $20 more from the Family of Brands bonus.
Spend $500/month on groceries, gas, and dining to earn 6,000 points per year — $60 in Gap Inc. rewards.
Benefits & Perks
Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Items purchased with your card are covered against damage or theft for 45 days, up to $100 per claim.
Reviews & Analysis
| Publication | Rating | Rank | Notes |
|---|---|---|---|
| Supermoney | |||
| Upgraded Points | 2/5 |
The Athleta Rewards Mastercard earns 5X points (5% back) at all Gap Inc. brands with no annual fee. Points redeem at 1 cent each for store credit only. The 1X rate on non-brand purchases and 3% foreign transaction fee make it weak outside the Gap ecosystem.
Details & Terms
| Purchase APR | 33.24% (Variable) |
| Cash Advance APR | 33.24% (Variable) |
Gap Inc Rewards family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
| Gap Rewards Mastercard | entry | — | |
| Navyist Rewards Mastercard | entry | — | |
| Banana Republic Mastercard | entry | — |
NerdWallet's overview of the Athleta Rewards Mastercard covering 5X rewards at Gap Inc. brands, no annual fee, and key considerations.
Official Barclays landing page with full card details, earn rates, benefits, APR, fees, and terms.
Official Gap Inc. rewards program FAQ explaining how points are earned, redeemed, tier status levels, and program terms.
Upgraded Points comprehensive review of the Gap family rewards cards covering earn rates, redemption options, alternative cards, and whether the 5X rewards justify the high APR.
Money.com roundup of best retail credit cards including Gap Inc. family cards, comparing rewards rates and redemption options.
SuperMoney review covering APR, fees, rewards breakdown, pros and cons, and credit score requirements for the Athleta Rewards Mastercard.
Reddit community discussion on whether the Athleta Rewards card is worth it, with real cardholder experiences and promo usage tips.
Hustler Money Blog review of the Athleta Rewards Mastercard benefits including 5X earn rate, family of brands bonus, and quarterly bonuses.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
NerdWallet's overview of the Athleta Rewards Mastercard covering 5X rewards at Gap Inc. brands, no annual fee, and key considerations.
Official Barclays landing page with full card details, earn rates, benefits, APR, fees, and terms.
Official Gap Inc. rewards program FAQ explaining how points are earned, redeemed, tier status levels, and program terms.
Upgraded Points comprehensive review of the Gap family rewards cards covering earn rates, redemption options, alternative cards, and whether the 5X rewards justify the high APR.
Money.com roundup of best retail credit cards including Gap Inc. family cards, comparing rewards rates and redemption options.
SuperMoney review covering APR, fees, rewards breakdown, pros and cons, and credit score requirements for the Athleta Rewards Mastercard.
Reddit community discussion on whether the Athleta Rewards card is worth it, with real cardholder experiences and promo usage tips.
Hustler Money Blog review of the Athleta Rewards Mastercard benefits including 5X earn rate, family of brands bonus, and quarterly bonuses.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
NerdWallet's overview of the Athleta Rewards Mastercard covering 5X rewards at Gap Inc. brands, no annual fee, and key considerations.
Official Barclays landing page with full card details, earn rates, benefits, APR, fees, and terms.
Official Gap Inc. rewards program FAQ explaining how points are earned, redeemed, tier status levels, and program terms.
Upgraded Points comprehensive review of the Gap family rewards cards covering earn rates, redemption options, alternative cards, and whether the 5X rewards justify the high APR.
Money.com roundup of best retail credit cards including Gap Inc. family cards, comparing rewards rates and redemption options.
SuperMoney review covering APR, fees, rewards breakdown, pros and cons, and credit score requirements for the Athleta Rewards Mastercard.
Reddit community discussion on whether the Athleta Rewards card is worth it, with real cardholder experiences and promo usage tips.
Hustler Money Blog review of the Athleta Rewards Mastercard benefits including 5X earn rate, family of brands bonus, and quarterly bonuses.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
