Old Navy Credit Card [Safe]

: This version can be used anywhere Mastercard is accepted.

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

: 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

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

: 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

: 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.

: This store-branded card can only be used at Gap Inc. stores and websites. family of brands, which includes Old Navy ,

: 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 .