Barclays Navyist Rewards Mastercard

Quick Snapshot

• Annual Fee: $0
• APR: 33.49% variable
• Rewards: 5x at Gap Inc. brands, 1x everywhere else
• Bonus: 30% off first purchase + up to 2,000 annual bonus points
• Best For: Budget-conscious families, frequent Old Navy shoppers
• Credit Needed: Good to Excellent (690+)

Overview

The Navyist Rewards Mastercard is tailored for value-oriented families and budget-conscious shoppers who appreciate Old Navy's affordable, trendy clothing for all ages. With no annual fee and a generous 5% rewards rate (5 points per dollar) at Old Navy and all Gap Inc. brands—including Gap, Gap Factory, Banana Republic, and Athleta—this card transforms your family clothing budget into ongoing rewards that stretch your dollars even further.

What makes this card particularly valuable for families is Old Navy's position as one of America's most affordable clothing retailers, combined with the card's strong rewards structure. Whether you're shopping for back-to-school clothes, seasonal wardrobes, or everyday essentials for kids and adults, the 5x rewards rate effectively provides a permanent 5% discount on top of Old Navy's already competitive prices. For families spending $1,500–$3,000 annually on clothing across Gap Inc. brands, this card delivers $75–$150 in annual rewards value with zero fees.

The card functions as a full Mastercard, earning 1 point per dollar everywhere Mastercard is accepted, making it suitable for everyday spending. Rewards accumulate quickly and never expire, with every 100 points equaling $1 that can be redeemed at any Gap Inc. brand without merchandise restrictions. For strategic shoppers who diversify purchases across Gap Inc.'s family of brands, the card offers up to 2,000 bonus points annually—$20 in free rewards simply for shopping at 2–4 different brands throughout the year.

APR Breakdown

• Purchase APR: 33.49% variable
• Balance Transfer APR: 33.49% variable
• Cash Advance APR: 36.49% variable
• Penalty APR: None specified
• Grace Period: At least 23 days when you pay your balance in full

Critical Warning: The 33.49% variable APR is exceptionally high—significantly above industry averages for retail credit cards. This card only delivers financial value if you pay your balance in full every month. Carrying even a modest balance will result in interest charges that quickly erase any rewards earned. Treat this as a charge card that must be paid off monthly to maximize savings.

Benefits Overview

Shopping Benefits

• 30% off first purchase at Old Navy or any Gap Inc. brand within 14 days of account opening
• Cross-brand bonus points: Up to 2,000 bonus points annually (2 brands = 500 pts, 3 brands = 1,000 pts, 4 brands = 2,000 pts)
• No merchandise restrictions on redemption—use rewards on anything, including sale items
• Early access to sales and exclusive cardholder promotions
• Birthday month rewards for cardmembers
• Free standard shipping on qualifying purchases
• Use anywhere Mastercard is accepted worldwide

Navyist Rewards Program Perks

• Earn 1 point per dollar on all purchases at any Gap Inc. brand, even without using the card
• Stack credit card rewards with Navyist Rewards program points
• Flexible redemption starting at just 100 points ($1)
• Points apply toward regular and sale-priced merchandise
• No blackout dates or restrictions on redemption

Family-Friendly Benefits

• Kid's clothing discounts through Old Navy's frequent promotions and sales
• Maternity wear rewards on Old Navy's extensive maternity collection
• Extended sizing at Old Navy (sizes 0–30 and XS–4X) earns full 5x rewards
• Active wear for the whole family at Old Navy and Athleta
• Professional attire for parents at Banana Republic also earns 5x

Everyday Benefits

• No annual fee—continue earning rewards indefinitely at no cost
• Points never expire as long as your account remains open and in good standing
• Zero fraud liability protection on unauthorized purchases
• Easy online account management via web portal and mobile app
• Automatic enrollment in Navyist Rewards loyalty program across all Gap Inc. brands
• Digital wallet compatibility (Apple Pay, Google Pay, Samsung Pay)

Security & Protection

• Mastercard Zero Liability Protection against fraudulent purchases
• 24/7 customer service and fraud monitoring
• Real-time purchase notifications for account security
• Account alerts for large or unusual transactions
• Secure online account access with optional two-factor authentication

Rewards & Earning Structure

• 5 points per dollar at Old Navy, Gap, Gap Factory, Banana Republic, and Athleta (in-store and online)
• 1 point per dollar on all other purchases where Mastercard is accepted
• Up to 2,000 bonus points annually for shopping at multiple Gap Inc. brands
• No caps or limits on points earned
• Points never expire as long as account is open and in good standing
• Redemption: Every 100 points = $1 redeemable at any Gap Inc. brand, no merchandise restrictions, minimum redemption 100 points

The 5x earning rate at Gap Inc. brands delivers an effective 5% return on every purchase—exceptionally strong for a no-annual-fee retail card. For budget-conscious families, this translates to meaningful savings. A $1,000 back-to-school shopping trip at Old Navy earns 5,000 points ($50 value), while $800 monthly in everyday Mastercard purchases adds another 800 points per month ($96 annually).

Strategic Earning Tip: Maximize the annual cross-brand bonus by making at least one purchase at each of Gap Inc.'s brands during the calendar year. Even small purchases qualify—a $15 kids' shirt at Old Navy, a $20 t-shirt at Gap, a $25 item at Athleta, and a $30 blouse at Banana Republic unlocks 2,000 bonus points worth $20. Time these purchases around major sales events (Labor Day, Black Friday, end-of-season clearance) to amplify your savings.

Welcome Bonus

Get 30% off your first purchase at Old Navy or any Gap Inc. brand when you use your new card within 14 days of account opening.

This welcome discount applies to your entire first transaction, making it ideal for stocking up on family clothing essentials, seasonal wardrobes, or back-to-school needs. For a $300 family shopping trip—typical for outfitting multiple children—this bonus saves you $90 immediately. When combined with Old Navy's frequent 40–50% off sales, you can achieve extraordinary value. For example, a $400 pre-sale cart becomes $200 after a 50% store promotion, then $140 after your additional 30% cardmember discount—a total of 65% off regular prices.

First Purchase Strategy: Maximize your 30% discount by:

• Waiting for a major sale before using your card the first time
• Purchasing big-ticket items or full seasonal wardrobes
• Shopping for multiple family members in one transaction
• Buying gift cards during your first purchase (if allowed) to extend the discount value

Fees Summary

• Annual Fee: $0
• Foreign Transaction Fee: 3% of each transaction in U.S. dollars
• Balance Transfer Fee: Either $10 or 4% of the amount transferred, whichever is greater
• Cash Advance Fee: Either $10 or 5% of the amount, whichever is greater
• Late Payment Fee: Up to $40
• Returned Payment Fee: Up to $40

Who This Card Is Best For

Ideal For

• Budget-conscious families with children who need regular clothing updates
• Frequent Old Navy shoppers who visit 4+ times per year
• Parents shopping for kids' clothing, school uniforms, and seasonal essentials
• Value seekers who appreciate Old Navy's affordable prices combined with rewards
• Multi-brand shoppers who purchase across Old Navy, Gap, Athleta, and Banana Republic
• Expecting parents who need maternity wear and baby/toddler clothing
• Extended size shoppers (Old Navy offers inclusive sizing)
• Responsible credit users who always pay balances in full monthly (to avoid 33.49% APR)
• Strategic shoppers who combine credit card rewards with in-store sales for maximum savings
• Families on a clothing budget who want to stretch their dollars further

Not Good For

• Occasional Old Navy shoppers who visit less than 3 times per year
• Those who carry balances (33.49% APR will devastate your finances)
• International travelers (3% foreign transaction fee adds significant cost)
• Those wanting high everyday rewards (1% on non-Gap purchases is modest)
• Premium brand devotees focused on luxury or designer clothing
• Minimalist wardrobes who rarely need new clothing
• Those preferring flexible cash back that can be deposited to bank accounts (rewards locked to Gap Inc. brands)
• Singles or couples without children who don't need frequent clothing purchases
• Those seeking travel or premium credit card benefits beyond retail rewards

Key Pros & Cons

Pros

• No annual fee—earn rewards indefinitely at no cost
• Strong 5% rewards rate (5x points) at all Gap Inc. brands including Old Navy
• 30% off first purchase welcome bonus (often worth $50–$100 for families)
• Up to 2,000 annual bonus points ($20 value) for cross-brand shopping
• Points can be redeemed flexibly in $1 increments across all Gap Inc. brands
• No merchandise restrictions on redemptions—use rewards on anything, including sale items
• Works everywhere Mastercard is accepted for 1x earning
• Points never expire with open account
• Perfect for budget-conscious families needing frequent clothing updates
• Stacks with Old Navy's frequent 40–50% off sales
• Early access to sales and exclusive offers
• Birthday month rewards
• Zero fraud liability protection
• Inclusive sizing at Old Navy (0–30, XS–4X) all earns 5x rewards

Cons

• Extremely high 33.49% variable APR—among the highest retail card rates
• Carrying any balance will result in interest charges that far exceed rewards value
• 1x earning rate on non-Gap purchases is basic (many cards offer 1.5%–2%)
• 3% foreign transaction fee makes international use expensive
• Rewards can only be redeemed at Gap Inc. brands (no cash back, no statement credits)
• Cross-brand bonus may encourage purchases at stores you wouldn't normally visit
• High cash advance APR (36.49%) and substantial fees
• Limited value if you don't regularly shop at Gap Inc. brands
• No introductory 0% APR period for purchases or balance transfers
• Rewards value entirely dependent on continuing to shop at these specific retailers
• No Icon status or premium perks beyond basic rewards program

Alternatives to Consider

Card	Best For	Annual Fee	Rewards	Welcome Bonus
Citi Double Cash Card	Flat-rate cash back everywhere	$0	2% cash back on all purchases	N/A
Chase Freedom Unlimited	All-around flexible rewards	$0	1.5%–5% cash back	$200 after $500 spend
Target Circle Card	Target shoppers	$0	5% at Target	N/A
Amazon Prime Rewards Visa	Amazon shoppers	$0 (requires Prime)	5% Amazon, 2% dining/gas	$200 Amazon gift card

How the Rewards Add Up

Example Annual Value for a Family of Four

Assuming you're a regular Old Navy shopper spending $16,000 annually:

Category	Annual Spend	Reward Rate	Earned Value
Old Navy & Gap Inc. brands	$3,200	5x points	16,000 points ($160)
Groceries	$6,000	1x points	6,000 points ($60)
Dining & entertainment	$3,500	1x points	3,500 points ($35)
Gas & transportation	$2,400	1x points	2,400 points ($24)
All other purchases	$900	1x points	900 points ($9)
Welcome bonus (first year)	—	30% off $300 purchase	$90
Cross-brand bonus (4 brands)	—	Annual bonus	2,000 points ($20)

First Year Total Value: $398
Ongoing Annual Value: $308

No annual fee to subtract = $308 net annual value

This scenario assumes $3,200 in annual Old Navy and Gap Inc. brand spending (typical for a family of four shopping 8–12 times per year) and shopping at all four brands to maximize the bonus. If you're a more frequent shopper—say $5,000 annually across Gap Inc. brands—your brand-specific rewards alone would be worth $250, with total annual value exceeding $400.

Family Savings Strategy: For a family spending $300 monthly at Old Navy ($3,600 annually), you'd earn $180 in annual rewards. Combined with stacking store sales (typical 40–50% off promotions), your effective savings could reach 50–55% off regular prices throughout the year.

Should You Get This Card?

You Should Get It If...

• You shop at Old Navy regularly (4–6+ times per year) and spend $1,000+ annually
• You have children who need frequent clothing updates for school, activities, and growth spurts
• You're expecting a baby or have young children needing maternity and infant clothing
• You appreciate Old Navy's affordable prices and want to maximize savings with rewards
• You also shop at other Gap Inc. brands (Gap, Banana Republic, Athleta) for additional wardrobe needs
• You always pay your credit card balances in full every month (to avoid the 33.49% APR)
• You want a no-annual-fee card with strong rewards at specific budget-friendly retailers
• You enjoy strategic shopping by combining credit card rewards with frequent in-store sales
• You value the flexibility of one rewards program across multiple brands and price points
• You want the 30% first-purchase discount to stock up on family clothing essentials

You Should Skip It If...

• You rarely shop at Old Navy or other Gap Inc. brands (less than 3 times per year)
• You tend to carry credit card balances month-to-month (the 33.49% APR will cost more than rewards are worth)
• You want higher rewards on everyday purchases outside Gap Inc. brands (1x is basic)
• You need a card for international travel (3% foreign transaction fee)
• You prefer cash back rewards that can be deposited to your bank account or used flexibly
• You're seeking travel rewards, airline miles, or hotel points
• You shop primarily at department stores, luxury retailers, or other clothing brands
• You want premium benefits like purchase protection, extended warranties, or travel insurance
• You're looking for an introductory 0% APR period to finance large purchases
• You're a single adult or couple without children and don't need frequent affordable clothing

Apply Now

Apply for Navyist Rewards Mastercard

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Information accurate as of December 2025. Terms and conditions apply. Please visit the issuer's website for the most current information.