Old Navy vs. Banana Republic Credit Card

Both Old Navy and Banana Republic are Gap Inc. brands, and their credit cards offer similar perks at first glance. But depending on your shopping habits, one card might be a better fit than the other. Let's dive into the details:

Rewards:

• Old Navy Credit Card (Navyist): Earns 5 points per $1 spent at Old Navy, Gap, Banana Republic, Athleta, Gap Factory, and Banana Republic Factory. 1 point per $1 spent elsewhere.
• Banana Republic Credit Card: Earns the same 5 points per $1 spent at all Gap Inc. brands, with 1 point per $1 spent elsewhere.

Bonus: Both cards offer a welcome bonus, typically around $25-$30 off your first purchase after approval.

Who Wins? It's a tie! Both cards offer the same rewards structure.

Other Benefits:

• Old Navy: Cardholders get exclusive discounts and early access to sales.
• Banana Republic: Cardholders get free shipping with no minimum purchase and birthday rewards. Additionally, there are tiered rewards based on annual spending, unlocking perks like extra points and personal shopping consultations.

Who Wins? Banana Republic edges out Old Navy with free shipping and tiered rewards.

Card Type:

• Old Navy: Offers a store card version and a Mastercard version.
• Banana Republic: Offers a store card version and a Mastercard version.

Who Wins? The Mastercard versions allow you to earn rewards outside Gap Inc. brands. Choose this option if you won't be shopping exclusively at their stores.

Annual Fee:

• Old Navy: No annual fee.
• Banana Republic: No annual fee.

Who Wins? Another tie! Both cards are free.

The Verdict

Both cards are solid choices for frequent Gap Inc. shoppers. Here's a quick breakdown:

• Choose Old Navy if: You prioritize exclusive discounts and early access to sales.
• Choose Banana Republic if: You value free shipping, tiered rewards for high spenders, and the option to earn rewards outside Gap Inc. brands with the Mastercard version.

Ultimately, the best card depends on your shopping habits and priorities. Consider which stores you frequent the most and what perks matter most to you.