If you earn in a calendar year, your card is upgraded to Icon status , which provides additional benefits: Free 3–5 day shipping on online orders of $50 or more. 20% bonus points awarded at the end of each quarter. Free basic alterations on Banana Republic purchases. Important Financial Considerations
: This version can be used anywhere Mastercard is accepted. old navy credit card
: Approval typically requires "good" credit, often cited as a score of 640 or higher for the store card and 700+ for the Mastercard. If you earn in a calendar year, your
: Applying for the card triggers a hard inquiry on your credit report, which may cause a temporary dip in your credit score. Old Navy Encore Mastercard | Barclays US Important Financial Considerations : This version can be
: Points can be redeemed in $1 increments (100 points = $1) toward purchases at any Gap Inc. brand. Elite "Icon" Status Perks
: This store-branded card can only be used at Gap Inc. stores and websites.