Old Navy Credit Card Apr 2026
: This version can be used anywhere Mastercard is accepted.
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
: Approval typically requires "good" credit, often cited as a score of 640 or higher for the store card and 700+ for the Mastercard. : This version can be used anywhere Mastercard is accepted
: 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 . Free basic alterations on Banana Republic purchases
: 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
: This store-branded card can only be used at Gap Inc. stores and websites.