Old Navy Credit Card -

: 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.

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

If you earn in a calendar year, your card is upgraded to Icon status , which provides additional benefits: Free 3–5 day shipping on online orders of $50 or more. 20% bonus points awarded at the end of each quarter. Free basic alterations on Banana Republic purchases. Important Financial Considerations old navy credit card

: This version can be used anywhere Mastercard is accepted.

: Approval typically requires "good" credit, often cited as a score of 640 or higher for the store card and 700+ for the Mastercard. : The card carries a high variable interest

: 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

: 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. stores and websites

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