The Old Navy Credit Card, now marketed as the Old Navy Encore Credit Card, is designed for frequent shoppers who regularly buy clothing from Old Navy and other Gap Inc. brands. Issued and serviced by Barclays Bank, the card connects with the Encore Membership Program and may be offered either as a brand-focused credit card or an Encore Mastercard, depending on approval. Cardmembers can earn points at Old Navy, Gap, Banana Republic, Athleta, Gap Factory, and Banana Republic Factory, while eligible Mastercard holders may also collect rewards on purchases outside those stores. The program can provide meaningful value for loyal apparel shoppers, but applicants should still examine the interest rate, fees, credit requirements, and current welcome offer before submitting an application.
What Is The Old Navy Credit Card?
The Old Navy card is part of Gap Inc.’s unified Encore rewards system. Existing Navyist Rewards cardholders automatically receive All-Access cardmember benefits under the newer program, even before receiving updated Encore-branded card materials.
Barclays Bank issues and services the account. Cardholders manage payments, statements, account security, and card activation through Barclays rather than through an Old Navy store.
Old Navy Credit Card Rewards
All-Access cardmembers currently earn 25 points per $1 on qualifying purchases made with the card at participating Gap Inc. brands. Since 500 points equal $1 in rewards, that earning rate works out to approximately 5 percent back in redeemable value for eligible brand purchases.
Encore Mastercard members can also earn:
- 15 points per $1 at eligible apparel retailers outside Gap Inc. brands
- 5 points per $1 everywhere else Mastercard is accepted
- Potentially higher non-brand earnings for qualifying World or World Elite Mastercard accounts
Eligible apparel purchases depend on Mastercard merchant category codes. Purchases from Amazon, Walmart, Target, and wholesale clubs are specifically excluded from the special apparel earning category.
Where Can The Card Be Used?
The brand card can be used across participating Gap Inc. stores, including Old Navy, Gap, Banana Republic, Athleta, Gap Factory, and Banana Republic Factory.
An Encore Mastercard can also be used anywhere Mastercard is accepted. This broader version may be more useful for shoppers who want to collect additional points on everyday purchases, although the highest reward rate remains focused on Gap Inc. shopping.
Welcome Offer
Old Navy currently advertises a discount of 30 percent off the first purchase when a new card is opened and used. Promotional offers can change, and exclusions may apply, so shoppers should read the offer displayed during the application process before relying on the discount.
A large opening discount can be attractive when planning a substantial purchase. However, buying unnecessary items solely to receive the discount may cancel out the value of the offer.
How To Redeem Old Navy Rewards
Every 500 points provides $1 in reward value. Available rewards can generally be applied toward qualifying merchandise purchased online, through the app, or inside participating Gap Inc. stores. Members may also have access to rewards and experiences through the Encore Market.
Points cannot be used for gift cards, taxes, shipping, handling, government fees, packaging, or credit card payments. Rewards also do not reduce the balance owed to Barclays.
Points may expire when an account has no qualifying earning or redemption activity for 12 months. Making an eligible purchase, redeeming points, using an Encore Mastercard outside the brands, or participating in an approved bonus opportunity can help keep the account active.
How To Make An Old Navy Credit Card Payment
Cardholders can make payments through the Barclays online account portal, by telephone, or by mail. Old Navy stores do not accept credit card payments at the checkout counter.
Online account management is usually the easiest option because it allows cardholders to review balances, payment dates, transactions, and statements. Setting up automatic payments for at least the minimum amount can reduce the risk of accidentally missing a due date.
Advantages Of The Old Navy Card
The card may suit shoppers who regularly purchase clothing for themselves or their families across several Gap Inc. brands. Its strongest features include the high in-brand earning rate, access to the All-Access membership tier, cross-brand redemption, special apparel rewards for Mastercard holders, and occasional cardmember promotions.
The Encore program also includes benefits such as exclusive access, special offers, and a create-your-own sale day for eligible Premier and All-Access members. Specific discounts and exclusions may vary.
Potential Drawbacks
Rewards are mostly valuable inside the Gap Inc. shopping ecosystem, so occasional Old Navy customers may struggle to earn or use enough points. The card may also encourage additional spending when cardmember sales appear.
Interest charges can quickly outweigh discounts and points when a balance is carried from month to month. Review the current pricing disclosure carefully and consider paying the statement balance in full whenever possible.
Is The Old Navy Credit Card Worth It?
The card may be worthwhile for a shopper who frequently buys from Old Navy, Gap, Banana Republic, or Athleta and can pay the balance without accumulating interest. The approximately 5 percent in-brand reward value can add up when those purchases are already part of the household budget.
Someone who shops at Old Navy only a few times per year may receive more flexible value from a general cash-back card. Compare the card’s current terms with other options before applying.
Frequently Asked Questions
Who Issues The Old Navy Credit Card?
Barclays Bank issues and services the Old Navy Encore Credit Card.
Can I Pay My Card At An Old Navy Store?
No. Payments must be made online, by phone, or by mail.
Can I Use The Card At Gap And Athleta?
Yes. The card can be used across participating Gap Inc. brands.
Can Points Pay My Credit Card Bill?
No. Points can be redeemed for eligible merchandise or Encore Market rewards, not statement payments.