The Navyist Rewards Mastercard®*The information for the Navyist Rewards Mastercard® has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. is a decent choice for frequent shoppers of the Old Navy brand family, but it doesn’t pull much weight earning rewards on other purchases.
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About the Old Navy Credit Card
Old Navy’s credit card, called the Navyist Rewards Mastercard, offers frequent shoppers an incentive to sign up. But its rewards pale in comparison to more flexible rewards credit cards, making it a good choice only for the most avid Old Navy shoppers.
The Navyist Rewards card offers points across the Old Navy brand family, which also includes Gap, Banana Republic and Athleta. You’ll earn 5 points per $1 spent at Gap, Banana Republic, Old Navy and Athleta and 1 point per $1 on all other Mastercard purchases. Every 100 points you earn equal $1 in rewards to spend at any of the family brands. In addition, the card offers a welcome bonus of 30% off the first purchase at Old Navy and free fast shipping on online orders over $50.
The main draw of the Old Navy card compared to other retail credit cards is that it can be used at multiple stores that make up the Old Navy family of brands. You’ll earn rewards on purchases at Banana Republic, Old Navy, Gap and Athleta, and you can even earn up to 2,000 bonus points each year when you shop at two or more of these family brands. This alone makes the card more rewarding than other store cards, whichtypically limit rewards to a single brand.
On the downside, the Old Navy card doesn’t carry much weight outside of the brand family. The lower rewards rate on other purchases is less than what you’d get with a flat rate rewards credit card.
Still, the Navyist Rewards card could be a good entryway into the points game if you frequently shop within the Old Navy brand family. You’ll want to be sure to pay your bill vigilantly and avoid carrying a balance whenever possible, as the Old Navy card comes with a steep 30.99% variable APR. Read on to learn more about whether this retail credit card is right for you.
Old Navy Credit Card basics
- Annual fee: $0.
- Welcome bonus: 30% off the first purchase at Old Navy.
- Rewards: 5 points per $1 spent at Gap, Banana Republic, Old Navy and Athleta and 1 point per $1 on all other Mastercard purchases.
- APR: 30.99% variable APR.
- Other perks and benefits: Free fast shipping on online orders over $50; early access to select sales; up to 2,000 annual bonus points for shopping at two or more brand family stores; quarterly bonus points for using your card at brand family stores.
- Does the issuer offer a pre-approval tool? No.
- Recommended credit score: Good.
Old Navy Credit Card other details
Old Navy Credit Card rewards
The Old Navy Credit Card has a straightforward earning scheme: You’ll earn 5 points per $1 spent at Gap, Banana Republic, Old Navy and Athleta and 1 point per $1 on all other Mastercard purchases.
For every 100 points earnedon the card, shoppers get $1 to spend at the Old Navy brand family. You can redeem points at checkout at an eligible store by giving the cashier your phone number or email address associated with your account. Alternatively, points can be donated to select charities. Also keep in mind, Navyist Rewards points will expire if you don’t make at least one qualifying purchase every 12 months.
In addition to everyday rewards, the Navyist Rewards Mastercard offers cardholders a few opportunities to rack up bonus points. First, cardholders who shop at two or moreOld Navy family brands in a calendar year can unlock annual bonus points at the following amounts:
- 500 points for shopping at two brands.
- 1,000 points for shopping at three brands.
- 2,000 points for shopping at all four brands.
The card also comes with quarterly bonus points for spenders who advance through tiers of the Navyist Rewards program. Core members (who spend under $500 annually in the brand family) earn 125 points quarterly; Enthusiast members (who spend between $500 and $999 annually in the brand family) earn 250 points quarterly; and Icon members (who spend over $1,000 annually in the brand family) earn 500 points quarterly.
Old Navy Card rewards potential
Your rewards potential with this card is entirely dependent on what you spend and any other bonuses you qualify for.
Old Navy Card APR
The Navyist Rewards Mastercard has a steep 30.99% variable APR. Unfortunately, this is not uncommon among retail credit cards. We recommend paying your balance in full whenever you can to avoid racking up steep interest charges.
Old Navy Card additional benefits
When you first sign up for an Old Navy Credit Card, you’ll be eligible for 30% off the first purchase at Old Navy. But benefits for frequent shoppers don’t stop there.
Navyist Rewards card members qualify for free fast shipping on all online purchases over $50. You’ll also have exclusive early access to select sales and receive members only offers.
Old Navy Credit Card pros and cons
Old Navy Card pros
- High earning rate at multiple brands: Your Old Navy Credit card is eligible to earn rewards at any of the Old Navy family of brands, which also includes Gap, Athleta and Banana Republic.
- Discount on first purchase: When you first sign up for the Navyist Rewards card, you’ll get a generous 30% off the first purchase at Old Navy.
- Ongoing bonus points and perks: Where many retail cards draw applicants in with a discount only to taper rewards over time, the Navyist card offers a solid standard offering of bonus points, discounts, and benefits like free shipping that provide ongoing value to frequent shoppers.
Old Navy Card cons
- High APR: The variable APR on this card is high, especially for cardholders who need to carry a balance.
- Limited rewards outside of Old Navy family brand stores: Non-Old Navy family brand purchases earn minimal rewards.
- Rewards only valid at Old Navy family brand stores and charity donations: You can’t use your Old Navy rewards for cash back or any redemption option other than Old Navy purchases or select charity donations.
How the Old Navy Card compares to other store credit cards
Old Navy Credit Card vs. Target RedCard™ Mastercard*The information for the Target RedCard™ Mastercard has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Like the Old Navy Credit Card, the Target RedCard rewards frequent Target shoppers with elevated rewards on Target purchases. The RedCard offers 5% off qualifying purchases at Target stores and Target.com, 2% rewards on dining and gas purchases and 1% rewards on all other purchases outside of Target. Rewards are redeemable as a Target GiftCard.
Old Navy Credit Card vs. Prime Visa*The information for the Prime Visa has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
The Amazon Prime Rewards Visa card is also a good option for frequent shoppers. It offers a generous 5% back at Amazon.com, Amazon Fresh and Whole Foods Market with an eligible Prime membership, 5% back on travel booked through Chase, 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare), and 1% back on all other purchases. You have to be an Amazon Prime member to qualify, but the wide variety of products offered on the site means you could rack up rewards on all kinds of purchases.
Old Navy Credit Card vs. Capital One Quicksilver Cash Rewards Credit Card
Retail cards can be great for frequent shoppers, but flat-rate rewards credit cards typically eke more rewards out of your everyday purchases. That is because rather than earning a high rate on only a small portion of your spending, you earn a more modest rate on every purchase you make. The Capital One Quicksilver Card is a great entry into flat-rate rewards, offering 1.5% cash back on purchases and 5% cash back on hotels and rental cars booked through Capital One Travel. Plus, the card comes with a $200 cash bonus after spending $500 on purchases within the first three months of account opening.
Who should get the Old Navy Credit Card?
The Navyist Rewards Mastercard has a generous rate of rewards on Old Navy purchases, so if you spend quite a bit at Old Navy, Gap, Banana Republic, or Athleta, you might earn enough rewards to make the card worth it. But if you spend only a moderate amount on clothing, you’re probably better off trying for a flat-rate credit card that earns you more flexible rewards.
Old Navy Credit Card summary
| OLD NAVY CREDIT CARD DETAILS | |
|---|---|
Annual fee | $0 |
Welcome bonus | 30% off the first purchase at Old Navy |
Rewards | 5 points per $1 spent at Gap, Banana Republic, Old Navy and Athleta and 1 point per $1 on all other Mastercard purchases |
APR | 30.99% variable APR |
Foreign transaction fees | 3% of each transaction in U.S. dollars |
Major perks/benefits | Early access to select sales; annual bonus points when you make purchases at multiple Old Navy family brands; free fast shipping on orders over $50 |
Methodology
Our credit card team has spent hours analyzing hundreds of credit cards. We took a deep dive into the details of each product and that analysis, combined with our years of experience covering credit cards, informed us as we developed these credit card rankings.
Some of the factors evaluated in selecting the best rewards credit cards included:
- Rewards potential and redemption options.
- Welcome bonuses.
- Travel and shopping benefits.
- Intro APRs.
- Annual fees.
Frequently asked questions (FAQs)
Yes. Like any other credit card application, you’ll be subject to a credit check when you apply for the Old Navy card, which includes a hard inquiry on your credit report.
Yes. The Navyist Rewards Mastercard can be used at any business where Mastercard is accepted. However, there is a non-Mastercard version of the Old Navy card for some applicants who don’t meet requirements, so read your terms and conditions carefully.
Barclays, who issues the Old Navy Credit Card, does not publicly share what credit bureaus it uses to pull information for applicants. However, you should assume that all three major credit bureaus — TransUnion, Equifax, and Experian — will be pulled from.
Most Navyist Rewards Mastercard applications will receive an instant notification of approval or denial, but it may take up to 14 days to receive your decision.
*The information for the Navyist Rewards Mastercard®, Prime Visa and Target RedCard™ Mastercard has been collected independently by Blueprint.The card details on this page have not been reviewed or provided by the card issuer.
