: 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
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
: 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 . : Applying for the card triggers a hard
: This store-branded card can only be used at Gap Inc. stores and websites. Free basic alterations on Banana Republic purchases
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
: 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 version can be used anywhere Mastercard is accepted.