Athleta Rewards Credit Card

Synchrony Pending

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11

Benefits

2

Reward Categories

5x

Max Reward

30%

APR From

Basic Information

PENDING

Program ID: athleta-credit-card

Issuer: Synchrony

Card Name: Athleta Rewards Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 10, 2026 08:23

Last Scraped: Feb 05, 2026 12:56

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony Bank provides benefits and protections to eligible military servicemembers and their dependents under the Servicemembers Civil Relief Act (SCRA). Contact 1-866-893-7864 for eligibility and details.

Rewards Program (Detailed) 2 Categories

PENDING

Category	Rate	Type	Description	Annual Cap	Status
Gap Inc. Brands	5x	Points	Purchases made at Athleta, Gap, Old Navy, Banana Republic, and Factory & Outlet stores.	No Cap
All Other Purchases	1x	Points	All other purchases made with the card where Visa is accepted.	No Cap

Rewards Summary

PENDING

Reward Type: Points

Base Rate: 1x

Bonus Rate: 5x

Categories: Purchases made at Athleta, Gap, Old Navy, Banana Republic, and other Gap Inc. brands

Quarterly Rotating: No

Expiration Policy: Points expire 12 months after they are earned if not redeemed, or upon account closure. Reward Certificates issued from points typically expire 90 days after issuance.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Redemption Penalties: Reward Certificates are issued in $10 increments for every 1000 points earned. Certificates expire and cannot be reissued. Minimum redemption threshold applies.

Benefits & Protections (Detailed) 11 Total

PENDING

Lifestyle 1

Birthday Gift

Special gift

Cardmembers receive a special gift during their birthday month.

Shopping 5

New Cardmember Discount

20% off first purchase

Receive 20% off your first purchase when opening and using a new Athleta Rewards Credit Card at Athleta, Gap, Old Navy, or Banana Republic.

Rewards Earning - Athleta & Family Brands

5 points per $1 spent

Earn 5 points for every $1 spent on purchases at Athleta, Gap, Old Navy, and Banana Republic.

Rewards Earning - Everywhere Else

1 point per $1 spent

Earn 1 point for every $1 spent on purchases made everywhere else Visa is accepted.

Rewards Redemption

Varies based on points accumulated

Redeem earned points for rewards that can be used across Athleta, Gap, Old Navy, and Banana Republic.

Exclusive Cardmember Offers

Varies

Access to special discounts and promotions available only to Athleta Rewards Credit Cardmembers.

Status Benefits 5

Icon Status - Free 2-3 Day Shipping

Free 2-3 day shipping

Cardmembers who achieve Icon status receive free 2-3 day shipping on all orders from Athleta, Gap, Old Navy, and Banana Republic. Icon status is achieved by earning 5,000 points in a calendar year.

Icon Status - Quarterly Bonus Points

25% more bonus points quarterly

Cardmembers who achieve Icon status earn an additional 25% bonus points on their purchases every quarter. Icon status is achieved by earning 5,000 points in a calendar year.

Icon Status - Early Access to New Arrivals

Early access

Cardmembers who achieve Icon status receive early access to new product arrivals at Athleta, Gap, Old Navy, and Banana Republic. Icon status is achieved by earning 5,000 points in a calendar year.

Icon Status - Dedicated Customer Service Hotline

Dedicated hotline access

Cardmembers who achieve Icon status have access to a dedicated customer service hotline. Icon status is achieved by earning 5,000 points in a calendar year.

Icon Status - Choose Your Own Sale Day

User-selected sale day

Cardmembers who achieve Icon status can choose a specific day to receive a special discount or promotion. Icon status is achieved by earning 5,000 points in a calendar year.

Benefits Summary (Flags)

PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus

No Sign-Up Bonus Available

Click "Get Data" button below to fetch sign-up bonus information.

Fee Structure

PENDING

Annual Fee:	$0.00
Year 1 Waived:	No
Effective Annual Fee:	$0.00
Min Interest Charge:	$2.00

Additional Fees

PENDING

Late Fee:	$41.00
Returned Payment:	$41.00
Balance Transfer:	None
Cash Advance:	Either $10 or 5% of the amount of each cash advance, whichever is greater
Foreign Transaction:	0.00%

Interest Rates & APR

PENDING

Standard APR

Purchase APR: 29.99% - 29.99%

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 6 months

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6 or 12 months. Minimum monthly payments required. See card agreement for details.

Approval Criteria & Requirements

PENDING

Credit Score Requirements

Recommended FICO Score

580 - 739

Approval Odds

Good

Soft Pull Support

Not specified

Application Process

Prequalification

Not specified

Preapproval

Not specified

Credit Bureau

Not specified

Issuer Rules & Policies

PENDING

Rules: Eligibility for the Athleta credit card (issued by Synchrony) in 2026 requires applicants to be 18 years or older, a U.S. resident, and possess a valid Social Security Number or ITIN. Approval is subject to creditworthiness, with Synchrony generally looking for a fair to good credit score for their store cards. Synchrony may deny applications if the applicant has too many existing Synchrony accounts or a high cumulative credit limit across their portfolio. The typical bonus rule for this card is an immediate discount (e.g., 20% off) on the first purchase made with the card. Ongoing benefits include earning 5 points per $1 spent at Athleta and other Gap Inc. brands (Gap, Old Navy, Banana Republic), and 1 point per $1 on all other purchases (if it's a co-branded Visa/MC). Points are redeemable for rewards certificates.

Max Cards Per Issuer: 4

Min Spend Interval: N/A for typical sign-up bonus; first purchase discount is immediate upon approval and use of the card.

Shutdown Risk Triggers: Manufactured spending, excessive returns or abuse of discount policies, high cumulative credit limit across all Synchrony accounts, late payments or defaults on any Synchrony product, prolonged account inactivity, or suspected fraudulent activity.

Cliff Effect Rules: The Athleta credit card is part of the Gap Inc. family of cards (including Gap, Old Navy, and Banana Republic). While it's possible to hold multiple cards within this family, initial sign-up bonuses (e.g., first purchase discounts) are typically unique to the specific brand card applied for. Synchrony may consolidate credit lines or deny new applications if an applicant already holds multiple Gap Inc. cards with high credit limits, treating the family as a single entity for overall credit exposure.

Special Events: Exclusive member-only sales events, bonus points days (e.g., 10x points on specific categories or dates), early access to new collections, and birthday rewards.

Holiday Promos: Major retail holiday periods including Black Friday, Cyber Monday, Christmas/New Year's, Memorial Day, Labor Day, and other seasonal sales events (e.g., Friends & Family sales).

International Friendly: No

User Analytics & Insights

PENDING

User Ratings

Average Rating: 3.3 / 5.0

Top Positive:
Excellent rewards for frequent shoppers at Gap Inc. brands (Athleta, Gap, Old Navy, Banana Republic), attractive initial discount, and relatively easy approval process for many applicants.

Top Negative:
Frequent complaints about high APR, poor Synchrony customer service, low credit limits, and difficulties with reward redemption or expiration.

Approval Experience: 70.0 / 100

Recommended Alternatives

Capital One SavorOne Cash Rewards Credit Card
Amazon Prime Rewards Visa Signature Card
Citi Custom Cash Card

Card Value Score: 65.0 / 100

Est. Annual Rewards: $175.00

Approval Probability: 75.0%

Version Control

PENDING

Version ID: v1.0