If you’re a frequent shopper at Old Navy, Gap, Banana Republic, or Athleta, the Navyist Rewards Mastercard® may be one of the best retail credit cards to have in your wallet. Issued by Barclays, this card not only helps you earn rewards on your clothing purchases but also provides benefits across everyday spending.
In this comprehensive guide, you’ll learn about the Navyist Rewards Mastercard®’s key features, benefits, potential drawbacks, and how to apply for the card.
What Is the Navyist Rewards Mastercard®?
The Navyist Rewards Mastercard® is a retail credit card designed for loyal shoppers of Gap Inc. brands, including:
- Old Navy
- Gap
- Banana Republic
- Athleta
It is part of the Gap Inc. Rewards program, and is one of three card tiers: the Rewards Card, the Gap Good Rewards Mastercard®, and the Navyist Rewards Mastercard® — the most premium of the three. This card is offered to cardholders who have spent $1,000 or more across Gap Inc. brands within a calendar year or have earned 5,000 points in a calendar year, thus reaching “Navyist” status.
Key Features of the Navyist Rewards Mastercard®
1. Generous Rewards Program
Cardholders can earn rewards not just at Gap Inc. stores, but also on everyday purchases:
- 5 points per $1 spent at Old Navy, Gap, Banana Republic, and Athleta (in-store and online)
- 1 point per $1 on all other purchases made with the card anywhere Mastercard is accepted
Points can be redeemed in increments of 100 points = $1 reward.
2. Navyist Status Benefits
Once you reach Navyist status, you unlock premium perks like:
- 20% bonus points every quarter
- Free basic alterations on Banana Republic purchases
- Exclusive access to special sales and events
- Dedicated customer service line
These perks add value to your shopping experience, especially if you frequently shop at Banana Republic or make higher-ticket purchases.
3. No Annual Fee
One of the biggest advantages of the Navyist Rewards Mastercard® is that it comes with no annual fee. This means you can enjoy the benefits without paying a yearly cost to keep the card active.
4. Birthday Gift
Cardholders receive an exclusive birthday gift each year — often a discount or bonus reward — just for being a Navyist member.
5. Flexible Redemption
Rewards earned with the card can be redeemed toward purchases at:
- Old Navy
- Gap
- Banana Republic
- Athleta
There are no blackout dates or restrictions on when or how you use the rewards (as long as it’s at a participating brand).
6. Special Offers and Bonus Events
Cardmembers regularly receive exclusive promotional offers, such as extra points days, members-only discounts, and advance access to sales.
Other Notable Benefits
- Digital Account Management: Manage your card online or via the Barclays app, which allows you to track points, pay bills, and receive transaction alerts.
- Contactless Payments: The card supports contactless tap-to-pay for quick and secure transactions.
- Accepted Worldwide: Because it’s a Mastercard, you can use it nearly anywhere that Mastercard is accepted.
- Free Shipping Opportunities: Cardholders may get access to free shipping offers during select promotions.
Interest Rates and Fees
Here’s a quick overview of the card’s fees and APR:
- Annual Fee: $0
- Purchase APR: Variable APR, typically around 29.99% (based on creditworthiness)
- Cash Advance Fee: Either $10 or 5% of the amount of each advance, whichever is greater
- Foreign Transaction Fee: 3% of the transaction in U.S. dollars
⚠️ Note: Since the APR is relatively high, this card is best suited for those who plan to pay off their balance in full each month.
Credit Score Requirements
To qualify for the Navyist Rewards Mastercard®, you’ll typically need a good to excellent credit score, generally 670 or above. If you don’t meet the requirements for the Mastercard version, you may be approved for a store-only version of the card, which can only be used at Gap Inc. stores.
How to Apply for the Navyist Rewards Mastercard®
Step 1: Apply Online or In-Store
You can apply for the card in several ways:
- Online at the official Old Navy or Gap website
- In-store at any Gap Inc. brand location
- Directly via Barclays’ website
Step 2: Complete the Application
You’ll need to provide the following information:
- Full name and contact details
- Social Security Number
- Date of birth
- Annual income
- Housing and employment information
Step 3: Review and Submit
After reviewing the terms, submit your application. In most cases, you’ll receive an instant approval decision. If not, it may take a few business days for a final decision.
Once approved, you can typically use the card immediately online before your physical card arrives in the mail (usually within 7–10 days).
Who Should Get the Navyist Rewards Mastercard®?
This card is a great option for:
- Frequent shoppers at Old Navy, Gap, Banana Republic, or Athleta
- Those looking to earn rewards and exclusive perks for brand loyalty
- People who want a retail card with no annual fee
- Shoppers who pay their balance in full to avoid interest charges
It may not be ideal for:
- People who don’t shop often at Gap Inc. brands
- Anyone looking for flexible travel rewards or cashback across all spending categories
- Those who carry a balance and want a lower APR
Final Thoughts
The Navyist Rewards Mastercard® is more than just a retail card — it’s a loyalty rewards tool that enhances your shopping experience across all Gap Inc. brands. With elevated rewards, quarterly bonuses, and exclusive Navyist perks, this card is ideal for fashion-forward shoppers who want to be rewarded for their brand loyalty.
Just be sure to manage the card responsibly by paying your balance in full each month to avoid high interest charges. If you’re a consistent Old Navy or Banana Republic shopper, the Navyist Rewards Mastercard® offers excellent value with no annual fee.
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