5 Things to Know About the Old Navy Credit Card
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If you can’t get enough of having affordable basics in your wardrobe, Old Navy's Navyist Rewards Mastercard® Credit Card may deserve a salute.
The Mastercard version and the store version of the Old Navy credit card, both issued by Barclays, are part of the family of branded cards from Gap Inc. In addition to Gap and Old Navy, that umbrella of clothing retailers also includes Banana Republic and Athleta.
The Navyist Rewards Mastercard® Credit Card offers rewards and unique perks for loyalists of these brands, but there are also some pitfalls to be aware of. Here's what to know.
1. You'll earn rewards at Gap Inc. stores and anywhere Mastercard is accepted
With the Navyist Rewards Mastercard® Credit Card, you'll earn:
5 points for every $1 spent at Gap Inc. brands in store and online.
1 point for every $1 spent at other merchants that accept Mastercard.
Among the Gap Inc. retailers where you can earn 5 points per dollar: Old Navy, Gap, Banana Republic, Athleta, Gap Factory and Banana Republic Factory.
2. Rewards can be redeemed only at Old Navy and other Gap Inc. brands
The rewards you earn with the Navyist Rewards Mastercard® Credit Card aren't the most flexible; they can be applied only toward store purchases (not cash back) at the brands listed above.
If you want more flexible rewards, consider general cash-back credit cards, which let you spend your rewards wherever you like. Or consider our best rewards credit cards.
For instance, you can get more value at Old Navy and everywhere else with a general-purpose credit card like the Wells Fargo Active Cash® Card. It earns 2% cash back on all qualifying purchases and also offers a sign-up bonus: Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months. If you need some breathing room on purchases, you’ll also get a lengthy window: Get a 0% intro APR on Purchases for 12 months and 0% intro APR on Balance Transfers 12 months from account opening on qualifying balance transfers, and then the ongoing APR of 19.49%, 24.49%, or 29.49% Variable APR.
3. You'll get a solid sign-up bonus
On top of the ongoing rewards, the Navyist Rewards Mastercard® Credit Card comes with some valuable perks for new cardholders. You can save 20% on your first purchase at Old Navy, as long as you make the purchase within 14 days of opening your account.
As of November 2024, you’ll also get 30% off your first purchases with your new card at Old Navy.
4. Having Icon status comes with plenty of pros ...
Cardholders can reach elite Icon status by earning 5,000 points in a calendar year (or spending $1,000 on eligible brands). This status grants access to:
Free two- to three-day shipping with a purchase of $50 or more.
Free basic alteration on qualifying Banana Republic purchases.
A choose-your-own-sale day.
5. ... But keep an eye on fees and APR
The Navyist Rewards Mastercard® Credit Card has a $0 annual fee. However, you won't get an introductory interest-free period. The ongoing APR is 34.24% Variable.
This means that if you aren't paying off your card every month, you could rack up some hefty charges.
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