| Category | Rate | Type | Cap |
|---|---|---|---|
|
Old Navy Purchases
Earn 25 points per $1 spent at Old Navy in-store and online when the card is used as sole payment type; points are awarded within the Gap Inc. Encore (formerly Navyist) loyalty program.
|
25x | Points | No cap |
|
Gap Inc. Brand Purchases
Earn 25 points per $1 spent at all Gap Inc. brands including Gap, Gap Factory, Banana Republic, Banana Republic Factory, and Athleta, in-store and online, when the card is used as sole payment type.
|
25x | Points | No cap |
|
Other Eligible Retail Apparel Brands
Earn 15 points per $1 spent at all other eligible retail apparel brands outside of Gap Inc. brands when the Mastercard is used; eligible merchants are determined by merchant category code.
|
15x | Points | No cap |
|
All Other Purchases
Earn 5 points per $1 spent everywhere else Mastercard is accepted, outside of Gap Inc. brands and other eligible retail apparel brands; no annual earning cap.
|
5x | Points | No cap |
|
Family of Brands Annual Bonus
Earn up to 2,000 bonus points annually when shopping at 2 or more Gap Inc. brands: 2 brands = 500 points, 3 brands = 1,000 points, 4 brands = 2,000 points; purchases must be made at Gap, Banana Republic, Old Navy, or Athleta during the calendar year.
|
0x | Points | No cap |
|
Quarterly Brand Purchase Bonus
Earn bonus points each quarter in which the cardholder makes at least one purchase at Gap, Banana Republic, Old Navy, or Athleta; the specific bonus amount per quarter is disclosed in the Rewards Program Terms.
|
0x | Points | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
No Annual Fee
There is no annual fee to carry the Navyist Rewards Mastercard, making it a zero-cost card for Gap Inc. brand shoppers.
|
Financial |
$0 annual fee
Up to $0
|
|
Auto Rental Collision Damage Waiver
Provides secondary coverage for physical damage, theft, and loss-of-use fees on most rental vehicles when the cardholder declines the rental company's collision damage waiver and charges the full rental to the card; covers rentals up to 31 consecutive days.
|
Insurance | Secondary coverage up to actual cash value |
|
Extended Warranty Protection
Extends the original U.S. manufacturer's written warranty on eligible purchases made with the card for up to one additional year; terms, conditions, and exclusions apply.
|
Insurance | Up to 1 additional year |
|
Purchase Security
Covers eligible new purchases made with the card against theft or accidental damage for a specified period following the purchase date; terms, conditions, and exclusions apply.
|
Insurance | Complimentary |
|
Automatic All-Access Loyalty Tier Enrollment
Cardholders are automatically enrolled at the highest All-Access tier of the Gap Inc. Encore (formerly Navyist Rewards) loyalty program, unlocking all top-tier benefits including enhanced point earning, extended returns, and free shipping perks.
|
Lifestyle | Complimentary |
|
Donate Points to Charity
Cardholders can convert points into donation dollars (100 points = $1) to donate to select charitable organizations chosen by Gap Inc.; a maximum program cap may apply.
|
Lifestyle | 100 points = $1 donation |
|
Encore Market Access
Cardholders can redeem points in the Encore Market for exclusive products, experiences, and brand partnerships not available to the general public; Encore Market redemptions are final sale and cannot be returned or exchanged.
|
Lifestyle | Complimentary |
|
Digital Wallet Compatibility
The card is compatible with Apple Pay and Google Pay for contactless mobile payments at merchants that accept Mastercard contactless payments.
|
Other | Complimentary |
|
Free FICO® Credit Score Access
Complimentary online access to the cardholder's FICO Credit Score through the Barclays account portal, with alerts when Barclays learns the score has changed; requires an open, active account (activity within the past 150 days) in good standing; access may be removed at Barclays' discretion.
|
Other | Complimentary |
|
15X Points at Other Eligible Retail Apparel Brands
Earn 15 points per $1 spent at other eligible retail apparel brands outside of Gap Inc. brands when the Mastercard is used; eligibility is determined by merchant category code.
|
Rewards | 15x points per $1 |
|
25X Points at Old Navy and Gap Inc. Brands
Earn 25 points per $1 spent at Old Navy, Gap, Gap Factory, Banana Republic, Banana Republic Factory, and Athleta in-store and online when the card is used as the sole payment type; no annual earning cap applies.
|
Rewards | 25x points per $1 |
|
5X Points on All Other Mastercard Purchases
Earn 5 points per $1 spent everywhere else Mastercard is accepted outside of Gap Inc. brands and other eligible retail apparel brands; no annual earning cap applies.
|
Rewards | 5x points per $1 |
|
Family of Brands Annual Bonus Points
Earn up to 2,000 bonus points per year when shopping at 2 or more Gap Inc. brands: 2 brands = 500 points, 3 brands = 1,000 points, 4 brands = 2,000 points; qualifying brands are Old Navy, Gap, Banana Republic, and Athleta.
|
Rewards | Up to 2,000 bonus points/year |
|
Quarterly Brand Purchase Bonus Points
Earn bonus points each quarter in which the cardholder makes at least one purchase at Gap, Banana Republic, Old Navy, or Athleta; the specific bonus point amount per qualifying quarter is disclosed in the Rewards Program Terms.
|
Rewards | Bonus points per qualifying quarter |
|
$0 Fraud Liability Protection
Cardholders are not responsible for unauthorized charges made on their account when reported promptly; Barclays provides $0 fraud liability on all unauthorized transactions.
|
Security | Complimentary |
|
Mastercard Global Service
24/7 worldwide assistance for lost or stolen card reporting, emergency card replacement, and emergency cash disbursement; available domestically and internationally.
|
Security | Complimentary |
|
Mastercard Identity Theft Protection
Access to identity theft monitoring and resolution services through Mastercard's ID Theft Protection program; cardholders must register to activate the benefit.
|
Security | Complimentary (registration required) |
|
30% First Purchase Discount
New cardholders receive a 30% discount on their first purchase made with the card at Old Navy or gap.com; the discount code expires 14 days from account opening for online purchases, or applies to the first in-store purchase made the same day the account is opened.
|
Shopping | 30% off first purchase |
|
Early Access to Sales and New Collections
Cardholders receive early access to select sales, new product launches, and collection drops before they are made available to the general public at Gap Inc. brand stores and online.
|
Shopping | Complimentary |
|
Extended Returns Window
Cardholders receive an extended return window of up to 60 days (versus the standard 30 days) for returns at Gap Inc. brands; returns made after 30 days receive merchandise credit rather than a refund to the original payment method.
|
Shopping | Up to 60-day return window |
|
Free Shipping on Eligible Online Orders
Cardholders enrolled in the All-Access loyalty tier receive free standard shipping on Gap Inc. online orders of $35 or more when signed into their account and paying with the card; shipping thresholds and shipping speeds vary by loyalty tier.
|
Shopping | Free standard shipping on orders of $35+ |
|
Travel Accident Insurance
Provides accidental death and dismemberment coverage when the full cost of a common carrier fare is charged to the card; covers the cardholder and eligible family members traveling on the same ticket.
|
Travel | Complimentary |
|
Travel Emergency Assistance Services
24/7 multilingual emergency assistance when traveling 100 or more miles from home, including medical and legal referrals, emergency transportation coordination, and lost luggage assistance; cardholders are responsible for the cost of services arranged.
|
Travel | Complimentary |
