Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
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.
Up to 5X (Athleta)
Highest rate (conditional)
Annual Fee
$0
Network
Mastercard Standard
Rewards Currency
Gap Family
Credit Required
Excellent
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.
Complimentary HealthLock membership to monitor and protect your medical identity and data.
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
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 Encore Mastercard | entry | — | |
| Old Navy Encore Mastercard | entry | — | |
| Banana Republic Mastercard | entry | — |
Official Gap Inc. rewards program FAQ explaining how points are earned, redeemed, tier status levels, and program terms.
Official Barclays landing page with full card details, earn rates, benefits, APR, fees, and terms.
NerdWallet's overview of the Athleta Rewards Mastercard covering 5X rewards at Gap Inc. brands, no annual fee, and key considerations.
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.
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.
Hustler Money Blog review of the Athleta Rewards Mastercard benefits including 5X earn rate, family of brands bonus, and quarterly bonuses.
Reddit community discussion on whether the Athleta Rewards card is worth it, with real cardholder experiences and promo usage tips.
| Source | Verified | Citation |
|---|---|---|
| RewardsCC API | — | RewardsCC API |
| Issuer Page | Issuer Page: Earn rates | |
| Issuer Page | Issuer Page | |
| Issuer Page | Issuer Page |
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
