Old Navy Credit Card Apr 2026

: 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 store-branded card can only be used at Gap Inc. stores and websites. old navy credit card

: This version can be used anywhere Mastercard is accepted. : The card carries a high variable interest

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 stores and websites

: 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