Old Navy Credit Card Rewards Program

 Rewards

Receive 30% Off

Eligibility:

• You must be applying for a new account.
• The offer is valid only in the United States (including Puerto Rico).

Discount Details:

• You'll receive 30% off your entire first purchase when you use your new Navyist Rewards Credit Card.
• If you open your account in-store, the discount will be applied to your same-day purchase.
• If you apply online, you'll receive a discount code via email that expires 14 days after account opening.

Using the Discount:

• Ensure your new credit card is the sole payment method for your first purchase.
• If shopping online, enter the discount code at checkout during the valid period.
• In-store purchases will automatically have the discount applied if the card is used the same day the account is opened.

Additional Points:

• This discount cannot be combined with the Gap Inc. employee discount.
• You can combine it with other offers or rewards in a single transaction (up to three rewards or one other offer).
• Be sure to review the full terms and conditions on Old Navy's website https://oldnavy.gap.com/Asset_Archive/ONWeb/content/0027/344/194/assets/noncard_details.html?v=2.

Is it worth it?

This can be a good deal if you plan on making a larger purchase at Old Navy and are comfortable opening a new credit card. However, consider the following:

• Credit card interest rates: Make sure you understand the interest rate and fees associated with the card. Only use the card for this purchase if you can pay it off in full before interest accrues.
• Impact on credit score: Applying for a new credit card can cause a temporary dip in your credit score.

I hope this explanation clarifies how the 30% discount works with a new Navyist Rewards Credit Card at Old Navy.

Earn 5 Points

You can earn 5 points for every $1 spent at Gap, Banana Republic, Old Navy, and Athleta, but there's a catch: This benefit applies only if you use a Gap Inc. credit card, such as the Navyist Rewards Credit Card or Navyist Rewards Mastercard®.

Here's a breakdown of points earning with Gap Inc. loyalty programs:

• Standard Membership: Earn 1 point for every $1 spent at any of the Gap Inc. brands (Gap, Banana Republic, Old Navy, and Athleta).
• Gap Inc. Credit Cardholder: Earn 5 points for every $1 spent at any of the Gap Inc. brands when you use your Gap Inc. credit card.

Additional Points to Consider:

• Navyist Rewards Mastercard: This card offers an additional benefit: 1 point for every $1 spent outside of Gap Inc. brands and 2 points per $1 with a World Mastercard®.
• Other Earning Methods: While using a Gap Inc. credit card maximizes points, you can still earn points without one, though at a slower rate (1 point per $1).

Here are some resources for further details:

• Navyist Rewards Program: https://oldnavy.gap.com/browse/info.do?cid=1178224
• Rewards Program FAQ (Athleta): https://athleta.gap.com/browse/info.do?cid=1178284

Earn 1 Point

The rewards program offered by some Gap Inc. credit cards, specifically the Navyist Rewards Mastercard®. Here's a breakdown of what it means:

• Earning Rate: You earn 1 point for every $1 spent on any Mastercard purchase made outside of Gap Inc. brands (Gap, Banana Republic, Old Navy, and Athleta).
• Not the best rate: This is a standard earning rate for many Mastercard rewards programs. However, the Navyist Rewards Mastercard® offers this benefit on top of the 5 points per $1 spent within Gap Inc. stores when you use the card.

Here's an example:

• Let's say you spend $100 at a grocery store (not a Gap Inc. brand) and $50 at Old Navy.
• Using the Navyist Rewards Mastercard®:
  • You'll earn 5 points for every $1 spent at Old Navy ($50 x 5 points/dollar) = 250 points.
  • You'll also earn 1 point for every $1 spent at the grocery store ($100 x 1 point/dollar) = 100 points.
  • Total points earned: 250 points (Old Navy) + 100 points (grocery store) = 350 points.

Additional Points:

• This benefit might not be as attractive as the 5x points within Gap Inc. stores, but it allows you to accumulate points for everyday purchases outside those brands.
• Some Navyist Rewards Mastercard® variations, like the World Mastercard®, might offer even higher earning rates outside Gap Inc. brands (e.g., 2 points per dollar).

Is it worth it?

This depends on your spending habits. If you frequently shop outside Gap Inc. stores, it can be a good way to accumulate points slowly. However, if you primarily shop at Gap Inc. brands, the 5x points benefit might be more valuable.

Free Fast Shipping

Here's a breakdown of the details:

• Minimum Order Value: $50 (after promotions and discounts are applied)
• Shipping Speed: This is considered their "Everyday Free Shipping" option, which typically takes 5-7 business days for delivery.
• Order Qualifications:
  • The free shipping applies only to merchandise, not gift cards, packaging, taxes, or shipping & handling charges.
  • You need to select the "Free Shipping on orders over $50" option at checkout to activate it.

Additional Points:

• Old Navy offers other shipping options for faster delivery at an additional cost if you need your items sooner.
• There might be exceptions to the free shipping offer for oversized items or deliveries to remote locations. It's always best to check the shipping details on Old Navy's website for your specific order http://oldnavy.gap.com/customerService/info.do?cid=82725&cs=shipping_and_handling&mlink=5151,13587351,Footer_Shipping&clink=13587351.

Overall, this free shipping offer is a great way to save money on your Old Navy online purchases, especially if you're planning to buy enough to reach the $50 minimum.

100 Points = $1 Reward

That's a key benefit of the Gap Inc. Good Rewards program. Here's a closer look:

• Conversion Rate: Every 100 points you earn are redeemable for $1 in reward.
• Flexibility: You can redeem your rewards across all Gap Inc. brands: Gap, Banana Republic, Old Navy, and Athleta. There are no merchandise restrictions, allowing you to use them on anything they sell.

This feature provides a lot of freedom in how you utilize your rewards. Here are some examples:

• Small discount: Redeem a few hundred points for a small discount on your purchase.
• Significant saving: Save up a larger point balance to redeem for a more expensive item.
• Combine with sales: Combine your points with ongoing sales or promotions for even better deals.

Remember, there are two ways to earn points in the Gap Inc. program:

• Standard Membership: Earn 1 point for every $1 spent.
• Gap Inc. Credit Card: Earn 5 points for every $1 spent when you use your Gap Inc. credit card (like the Navyist Rewards Credit Card or Navyist Rewards Mastercard®).

Overall, the 100 points = $1 reward system with brand-wide redeemability makes the Gap Inc. Good Rewards program a versatile way to save on your purchases at Gap, Banana Republic, Old Navy, and Athleta.

$0 Fraud Liability Protection

Zero Liability Protection, often referred to as $0 Fraud Liability Protection, is a security feature offered by many credit card issuers, including Visa, Mastercard, Discover, and American Express. It essentially shields you from financial responsibility for unauthorized charges made on your card.

Here's a breakdown of how it works:

• Unauthorized Charges: These are charges made on your card without your permission. This could happen if your card information is stolen or used fraudulently online or in a store.
• Your Responsibility: Under Zero Liability Protection, you're generally not liable for any unauthorized charges you report promptly. Federal law limits your liability to $50 for unauthorized debit card transactions if reported within two days, but credit card issuers typically offer more comprehensive protection with no out-of-pocket costs.
• Issuer's Role: Once you report unauthorized charges, the card issuer will investigate the situation. They will likely freeze your card to prevent further fraudulent activity and may issue you a new card with a different number. They will then reimburse you for the unauthorized charges.

Important Points to Remember:

• Reporting Requirements: You must report unauthorized charges promptly to qualify for Zero Liability Protection. Each issuer may have specific timeframes for reporting, so check your card agreement for details.
• Not Foolproof: Zero Liability Protection is not a guarantee against fraud. You still need to be vigilant about protecting your card information and monitoring your statements for suspicious activity.
• Debit Cards vs. Credit Cards: Federal law offers limited liability protection for debit cards, while credit card issuers typically provide more robust Zero Liability coverage.

Overall, Zero Liability Protection is a valuable safeguard against credit card fraud. It offers peace of mind knowing you're not financially responsible for unauthorized charges on your card. However, it's important to understand the terms and conditions of your specific card and practice good security habits to minimize the risk of fraud.

By applying, you agree that you’ll first be considered for the Navyist Rewards Mastercard which can be used anywhere Mastercard is accepted. If not approved for the Mastercard, you’ll then automatically be considered for the Navyist Rewards Credit Card which can be used across all Gap Inc. stores and online, excluding Banana Republic Home products or on BRHome.com.