For those who love shopping at Athleta, Gap, Old Navy, and Banana Republic, the Athleta Rewards Mastercard® offers a rewarding way to earn points on every purchase. Here’s everything you need to know about this stylish card, from its benefits to how you can apply.
Key Features of the Athleta Rewards Mastercard®
1. Earn Points on Purchases:
- 5 points per dollar spent at Gap Inc. brands, in-store or online.
- 1 point per dollar spent on all other purchases wherever Mastercard is accepted.
2. Bonus Points:
- Receive a 20% discount on your first purchase at any Gap Inc. brand within the first 14 days of account opening.
- Get bonus points for email and online profile completion within the first 60 days.
3. No Annual Fee:
- Enjoy the benefits of the card without worrying about an annual fee.
4. Extra Perks:
- Early access to sales and exclusive offers from Gap Inc. brands.
- Special birthday savings each year.
- No receipt required for returns.
5. Flexibility and Security:
- The card includes Mastercard ID Theft Protection™, which helps detect and resolve identity theft incidents.
- Global service provides 24-hour assistance with Lost and Stolen Card Reporting, Emergency Card Replacement, and Emergency Cash Advances.
Understanding the Rewards System
The Athleta Rewards Mastercard® is designed to benefit frequent shoppers at Gap Inc. brands. Points accumulate quickly, especially with 5x points on brand purchases. Once you reach 500 points, you’ll earn a $5 reward redeemable at any Gap Inc. brand, making it a fast track to saving money on future purchases.
Redeeming Your Points
Redeeming points with the Athleta Rewards Mastercard® is straightforward:
- Points are converted into rewards automatically.
- Rewards can be used towards purchases at any Gap Inc. brands.
- There’s no limit to the amount of points you can earn.
Annual Percentage Rate (APR)
The APR for the Athleta Rewards Mastercard® can vary based on the Prime Rate and your creditworthiness:
- Variable APR for purchases: Check the latest rates as they can fluctuate according to the market.
Fees
- Late payment fees: Up to $40.
- Returned payment fees: Up to $40.
- Foreign transaction fees: None, making it a great option for international travelers.
How to Apply for the Athleta Rewards Mastercard®
Applying for the Athleta Rewards Mastercard® is a straightforward process:
- Online Application:
- Visit the Athleta card website.
- Fill out the application form with your personal and financial details like your name, address, income, and social security number.
- Review and submit your application.
- In-Store Application:
- You can also apply directly at any Gap Inc. store. An associate will help you fill out the application and you’ll likely get an instant decision.
- Approval Process:
- Once your application is submitted, it will be reviewed. If additional information is needed, you may be contacted by the issuer.
- Approval can be instantaneous or take a few days, depending on your credit history.
Managing Your Card
Once approved, manage your Athleta Rewards Mastercard® through the online portal or mobile app:
- Online Account Management: Check your balance, view statements, and pay your bill online.
- Mobile App: Similar functionalities are available on the mobile app, making it convenient to manage your account on the go.
Conclusion
The Athleta Rewards Mastercard® is an excellent choice for loyal shoppers of Gap Inc. brands, offering substantial rewards with no annual fee. The card not only rewards you for your loyalty but also provides flexible redemption options, making it a practical and valuable tool for fashion enthusiasts.
Remember, as with any credit card, it’s important to manage your finances responsibly by paying off your balance in full each month to avoid interest charges and maintain a good credit score.
This comprehensive guide should give you a solid understanding of the Athleta Rewards Mastercard®, helping you decide if it’s the right card for your shopping habits and financial goals. If you have any more questions or need further assistance, feel free to ask!