: 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 .
: 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 version can be used anywhere Mastercard is accepted. old navy credit card
: This store-branded card can only be used at Gap Inc. stores and websites.
: Points can be redeemed in $1 increments (100 points = $1) toward purchases at any Gap Inc. brand. Elite "Icon" Status Perks : New cardholders typically receive 30% off their
: 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
: 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. brands
: Approval typically requires "good" credit, often cited as a score of 640 or higher for the store card and 700+ for the Mastercard.