Old Navy Credit Card (2026)

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

: 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 old navy credit card

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 : Points can be redeemed in $1 increments

: 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. Old Navy Encore Mastercard | Barclays US If

: 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.