Athleta Rewards Visa® Credit Card

Back to List Apply Now

Basic Information

Program ID: athleta-credit-card

Issuer: Synchrony

Card Type: Credit

Network: Visa

Card Tier: Visa Signature

Data Complete: Yes

Created: 01/10/2026 08:23

Last Scraped: 01/15/2026 08:44

Fee Structure
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Penalty APR: 30.00%
Additional Fees
Late Fee: $40.00
Returned Payment: $40.00
Balance Transfer: N/A
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater
Foreign Transaction: 0.00%
Interest Rates

Purchase APR Range: 3,224.00% - 3,224.00%

Intro Purchase APR: 0.00%

Intro APR Duration: 0 months

Balance Transfer APR: 0.00%

Intro BT APR: 0.00%

Intro BT Duration: 0 months

Cash Advance APR: 3,224.00%

Sign-Up Bonus

Bonus Amount: $25.00

Spending Requirement: $250.00

Time Period: 90 days

Bonus Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours

Rewards Program

Reward Type: Points

Base Reward Rate: 1.00%

Bonus Reward Rate: 5.00%

Bonus Categories: 5x Athleta, 5x Gap, 5x Old Navy, 5x Banana Republic, 5x Hill City purchases

Point Value Estimate: 0.0100 cents/point

Expiration Policy: Points do not expire as long as the account is active; however, reward certificates issued from points typically expire 90 days after issuance.

Transfer Partners: N/A

Card Benefits
Protection Benefits
  • Extended Warranty
  • Purchase Protection
  • Cell Phone Protection
  • Price Protection
Travel Benefits
  • Travel Insurance
  • Primary Rental Protection
  • Trip Delay Coverage
  • Lost Luggage Coverage
  • No Foreign Transaction Fees
Premium Benefits
  • Airport Lounge Access
  • Concierge Service
  • Global Entry Credit: $0.00
  • TSA PreCheck Credit: $0.00
Approval Criteria

Recommended FICO Range: 670 - 750

Approval Odds Category: Good

Pre-qualification Available

Soft Pull Supported

Hard Pull Bureau: Experian, TransUnion, Equifax

Issuer Rules

Rules: For 2026, new Athleta credit cardholders are projected to receive a 20% discount on their first Athleta purchase made within 30 days of account opening, up to a maximum discount of $100. This bonus is typically applied automatically at checkout. Eligibility requirements include being at least 18 years old (19 in AL and NE), a U.S. resident with a valid Social Security Number or ITIN, and having a verifiable income source. Approval is subject to creditworthiness, with Synchrony generally requiring fair to good credit for the co-branded Visa/Mastercard version and a more lenient approach for the basic store card. A soft pull may be used for pre-qualification, followed by a hard pull upon full application submission. Rewards and primary benefits are exclusive to Athleta purchases and Gap Inc. brands (Gap, Old Navy, Banana Republic, Hill City, Janie and Jack).

Maximum Cards Per Issuer: 4

Minimum Spend Interval: Not applicable for the primary sign-up bonus, which is typically an immediate first-purchase discount. If a future spend-based bonus were introduced, it would likely be 3 months.

Shutdown Risk Triggers: Manufactured spending, excessive credit limit utilization across Synchrony accounts, frequent returns or abuse of return policies, multiple late payments or defaults on any Synchrony-issued card, sudden drastic changes in spending patterns, or opening too many Synchrony accounts in a short period leading to high cumulative credit exposure.

International Friendly

User Analytics & Insights
User Ratings

Average Rating: 3.6 / 5.0

Top Positive Feedback:
Excellent rewards and discounts for frequent shoppers at Athleta and other Gap Inc. brands, including free shipping and birthday perks. Many users find the application process straightforward and appreciate the initial sign-up bonus.

Top Negative Feedback:
High interest rates make carrying a balance costly, and some users report frustrating experiences with Synchrony Bank's customer service, including issues with credit limit increases and account management.

Approval Experience Score: 70.0 / 100

Recommended Alternatives
  • Gap Visa Credit Card
  • Old Navy Visa Credit Card
  • Chase Freedom Unlimited

Card Value Score: 80.0 / 100

Est. Annual Rewards: $120.00

User Portfolio Metrics

Avg Portfolio Size: 3 cards

Avg Portfolio Age: 60 months

Store vs Co-brand: 50% General / 50% Store

Risk Assessment

Default Risk Group: Medium

Predicted Approval Probability: 75.0%

Terms Version Control

Version ID: v1.0

Last Updated: 01/01/2024 00:00