Old Navy Credit Card Review

: 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

: 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 . old navy credit card

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

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

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

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 family of brands, which includes Old Navy ,

: This version can be used anywhere Mastercard is accepted.