5 Things to Know About Old Navy’s Navyist Credit Card

There are rewards and unique perks for shoppers who frequent Gap Inc. brands, but there are also some pitfalls.
Caitlin Mims
Chanelle Bessette
By Chanelle Bessette and  Caitlin Mims 
Edited by Kenley Young
old-navy-credit-card

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

If you can’t get enough of having affordable basics in your wardrobe, the Navyist Rewards Mastercard® Credit Card may deserve a salute.

The Mastercard version and the store version of the 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 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.

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.

Through January 2023, you'll also earn 5 points per $1 spent on every purchase, up from the usual 1 point per $1 on purchases made outside of Gap brands.

4. Having Icon status comes with plenty of pros ...

Cardholders can reach elite Icon status by earning 5,000 points in a calendar year. This status grants access to:

  • A quarterly bonus of 500 points.

  • 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 29.99% Variable.

This means that if you aren't paying off your card every month, you could rack up some hefty charges.

Find the right credit card for you.

Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.

Get Started
Get more smart money moves – straight to your inbox
Sign up and we’ll send you Nerdy articles about the money topics that matter most to you along with other ways to help you get more from your money.