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Athleta Visa Credit Card Review

When looking for a credit card with a number of special features, the Athleta Visa Credit Card tops the list. This credit card is actually two different types of cards: the Gap Inc. Credit Card and the Gap Inc. Visa credit card. Both cards provide cardholders with easy access to rewards no matter where they are. With just one click, the account holder can check their rewards balance, track points towards other rewards, and retrieve information regarding six or more reward offers that are available.

When you are approved for either the Gap Inc. Credit Card or the Gap Inc. Visa Card you will automatically receive a $20 reward. You also have the opportunity to receive additional bonus points during various promotions throughout the year..

About the Athleta Visa Credit Cards

Athleta card reviewThe Athleta Visa Credit Card is issued by Synchrony Bank and as either the Gap Inc. Visa Card or the Gap Inc. Credit Card. Both cards offer several great features. The terms and conditions are listed below.

Key Details

  • Annual Percentage Rate (APR) for purchases: Both the Gap Inc. Visa and the Gap Inc. Credit Card offer the same APR, which is 26.49%. This is a variable rate, according to the current market prime rate.
  • APR for Cash advances: This is only applicable to the Gap Inc. Visa card. The cash advance APR is 28.49%. Again, this APR is a variable rate, according to the current market prime rate.
  • How to Avoid Paying Interest: Your bill due date is 23 days following the close of the billing cycle. If you pay off your balance before this date, for both the Gap Inc. Visa and the Gap Inc. Credit Card, then you can avoid interest charges altogether.
  • Minimum Interest Charge: The minimum amount you can be charged for interest with either the Gap Inc. Visa or the Gap Inc. Credit Card will be not less than $2.00.

If you want to receive credit card tips from the Consumer Financial Protection Bureau, then discover more information about applying for or using your new credit card by visiting the bureau website at: www.consumerfinance.gov this applies to both the Gap Inc. Visa and the Gap Inc. Credit Card.

Fees

Transaction Fees

  • Cash Advance: The cash advance fee is $10 or 4%, whichever is greater of the amount of the cash advance. This is only applicable to the Gap Inc. Visa Card.
  • Foreign Transaction Fee: This is 3% of the total transaction—only applicable for the Gap Inc. Visa Card.

Penalty Fees:

  • Late Payment: Both the Gap Inc. Visa and the Gap Inc. Credit Card charges a late payment fee of $38.

Some of the Perks of the Gap Inc. Visa and the Gap Inc. Credit Cards

  • You can earn points at any of the family of brands such as Gap, Old Navy, Banana Republic, and Athleta Stores by making a in-store or online purchase. Then, you can cash in on those points at any Gap Inc. brand name.
  • Athleta cardholders can also earn points much quicker when they use their Visa credit card anywhere Visa is accepted.
  • As a cardmember you can earn 5 points for each $1 spent at the family of brands—in-store and online
  • You can also earn 1 point for each $1 spent anywhere that Visa is accepted
  • Earn a $5 reward for every 500 points earned
  • You will also receive an exclusive birthday gift that is just for you
  • Select bonus points can be earned on certain shopping days
  • Each year you are allowed two free shipping passes
  • Cardholders are given special access to all sales
  • Also given the exclusive access to any seasonal sale items

Some Additional Perks of the Gap Inc. Visa and Gap Inc. Credit Cards

  • You will get a “Give-it-a-Workout” guarantee. If it does not work, return it with no charge.
  • Find special sizes online such as Tall, Petite, and Plus sizes
  • Athleta offers in-store stylists available to aid you in finding the styles that fit you perfectly
  • With free in-store hemming on pants, skirts, and dresses, you will always get the perfect fit for all your clothing purchases
  • As an Athleta member, you are eligible to take advantage of their free fitness classes—from Yoga to Pilates, circuit training and much more

How to Apply for the Athleta Gap Inc. Visa and Gap Inc. Credit Cards

When on the main website home page located at https://secure-athleta.gap.com/ click on the “apply now” link to go to the application. On this page, enter the following personal information:

  • First, middle, and Last names
  • Street address
  • Zip code, and State of residence
  • Housing status—(own, rent, other, or N/A)
  • Primary phone and type
  • Alternate phone and type
  • Email address
  • Confirm Email address
  • Social Security Number/Tax Identification number
  • Date of Birth
  • Annual Net Income

*After completing the application, Synchrony Bank will issue you either the Gap Inc. Visa or the Gap Inc. Credit card if you meet credit worthiness requirements.

How to Use Your Athleta Visa Credit Card with Giving Assistant

When you go to Giving Assistant you’ll find verified coupons for multiple brands that offer up to 30% savings on select items. By using a Giving Assistant-provided link when you shop you have the potential to earn cash back, save on your purchase price, and get the added benefits from your Athleta Visa Credit Card when you pay for your purchase.

To get started, you first need to sign up for an account on Giving Assistant. Once enrolled, visit the Giving Assistant Athleta store page here to view the current coupons, promo codes, and deals.

Download the Giving Assistant browser extension called the Button, to automatically populate the highest-value coupons as you visit thousands of online shopping websites.

Maximize your rewards earnings and saving potential by combining your Athleta Credit Card with discount codes and offers found at Giving Assistant today!

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