Navy Credit Card: Old

: This store-branded card can only be used at Gap Inc. stores and websites.

: Points can be redeemed in $1 increments (100 points = $1) toward purchases at any Gap Inc. brand. Elite "Icon" Status Perks

: Approval typically requires "good" credit, often cited as a score of 640 or higher for the store card and 700+ for the Mastercard. old navy credit card

: Both cards earn 5 points per $1 spent at Gap Inc. brands. The Mastercard version additionally earns 1 point per $1 spent on all other purchases.

: New cardholders typically receive 30% off their first purchase if made within 14 days of account opening. No Annual Fee : Both versions have a $0 annual fee . : This store-branded card can only be used at Gap Inc

: Applying for the card triggers a hard inquiry on your credit report, which may cause a temporary dip in your credit score. Old Navy Encore Mastercard | Barclays US

The , officially part of the Navyist Rewards program, is available in two primary versions issued by Barclays : a store-only card and a Mastercard version. Both cards allow users to earn points across the entire Gap Inc. family of brands, which includes Old Navy , Gap , Banana Republic , and Athleta . Card Versions & Key Benefits brands

: The card carries a high variable interest rate, typically around 33.24% to 34.99% . Reviewers from WalletHub and NerdWallet strongly advise paying the balance in full every month to avoid interest that could outweigh the value of the rewards.