Credit Cards (US)
Navyist Rewards Mastercard® review: valuable rewards!
In this Navyist Rewards Mastercard® review article, we will show you how the rewards program works and which stores are partnered with it so you can enjoy promotions and discounts.
Navyist Rewards Mastercard®: a good choice for shoppers
This Navyist Rewards Mastercard® review post gathers complete information about how this credit card works.
This credit card is a suitable choice for those who regularly purchase at specific stores, like Old Navy, Banana Republic, Gap, and Athleta.
How to apply for the Navyist Rewards Mastercard®?
Learn how to apply for the Navyist Rewards Mastercard® how to get discounts and points on your preferred in-store or online brands.
Although the card partners with only some stores, it offers a flexible redemption program with no merchandise restrictions.
Credit Score | Good – Excellent |
APR | Purchases and balance transfers: 29.74%, based on the Prime Rate; Cash Advances: 29.99% |
Annual Fee | $0 |
Fees | Foreign transaction fee: 3% of each transaction; Balance transfer fee: $5 or 5% of the amount of each transaction, whichever is greater; Cash Advance: $10 or 5% of the amount of each transaction, whichever is greater; Late Payment: up to $41; Returned Payment: up to $41 |
Welcome bonus | 30% off on the first purchase at Old Navy |
Rewards | 5X points on purchases across the family of brands (Old Navy, Gap, Banana Republic, Athleta); 1X point on every other Mastercard purchase |
Now, take a look at the complete review article to find out more about this card and decide if it would be suitable for you!
How does the Navyist Rewards Mastercard® work?
As I have said before in this Navyist Rewards Mastercard® review, this card offers rewards at selected stores, including Old Navy and Gap.
It is offered by Barclays, a wholesale and consumer bank that attends people across 40 countries.
Furthermore, the bank is digital. As a result, it doesn’t offer physical branches. On the other hand, it provides good customer assistance through 24/7 phone or app channels.
The Navyist card can be defined as a great option for shoppers. So, if you enjoy shopping at Old Navy, Banana Republic, Gap, or Athleta, it would be worth considering applying for it.
Also, the card doesn’t charge an annual fee, and it offers free and fast shipping on orders of at least $50.
Of course, as it is a Mastercard, you can get access to a worldwide of opportunities.
Besides the card being accepted everywhere, you earn 1 point on every dollar spent on Mastercard purchases made outside the family of partnered brands.
Moreover, the card provides a discount of 30% when you first purchase at Old Navy. And 5 points for every dollar spent on the following brands:
- Old Navy
- Gap
- Banana Republic
- Athleta
Another key point is that you can unlock up to 2,000 points every year if you shop at least two Gap Inc. brands. You can get a quarterly bonus when purchasing at the brands mentioned above.
The card offers $0 Fraud Liability Protection. However, it is recommended that you be aware of the interest rates charged. As shown above, the rates are quite high and vary with the market.
You will be redirected to another website
By submitting this form, I agree that I am 18+ years old and I agree to the Privacy Policy and Terms and Conditions. I also provide my signature giving express consent to receive marketing communications via automated emails, SMS or MMS text messages and other forms of communication regarding financial products such as credit card and loans. Message frequency varies and represents our good faith effort to reach you regarding your inquiry. Message and data rates may apply. Text HELP for help or text STOP to cancel. I understand that my consent to receive communications is not a condition of purchase and I may revoke my consent at any time.
Navyist Rewards Mastercard® benefits
As can be seen in this Navyist Rewards Mastercard® review, this credit card might be a fantastic choice for shoppers, especially those who regularly buy at selected brands: Old Navy, Gap, Banana Republic, and Athleta.
Also, the card offers a basic protection package, a flexible redemption program, free shipping, and more.
Lastly, there is no annual fee. But, interest rates can be high, and rewards are limited.
Pros
- The card offers 5 points for every dollar spent on the family of brands;
- It offers 30% off on your first purchase at Old Navy;
- It provides free, fast shipping on online purchases of at least $50;
- It features 1 point for each dollar spent on Mastercard purchases;
- 100 points equal one dollar that can be redeemable across the partnered brands;
- Navyist offers $0 Fraud Liability Protection, annual and quarterly bonuses, and early access to select sales;
- It doesn’t charge an annual fee.
Cons
- Interest rates can be high;
- Reward rates for general purchases are low.
How good does your credit score need to be?
We recommend that you have at least a good credit score to apply for this card.
But in case you don’t get the approval for the Mastercard, you will be considered for the Navyist Rewards Credit Card, a similar card to be used at Gap.
How does the Navyist Rewards Mastercard® application work?
So, do you think this credit card will suit your needs? If you do, it’s time to learn how the application process works.
Keep reading the following article!
How to apply for the Navyist Rewards Mastercard®?
Learn how to apply for the Navyist Rewards Mastercard® how to get discounts and points on your preferred in-store or online brands.
About the author / Aline Augusto
Reviewed by / Aline Barbosa
Senior Editor
Trending Topics
Citi Prestige® Card review
Check this Citi Prestige® Card review to learn more about the eatures and benefits of this card, including travel rewards and more.
Keep ReadingOneMain Financial Personal Loan review
Looking for easy and fast funding? Check out our OneMain Financial Personal Loan review to see if it's the right lender for your needs.
Keep ReadingCoutts Silk Card overview
In this Coutts Silk Card overview, we'll look over the features and benefits of one of the most exclusive cards in the world. Check it out!
Keep ReadingYou may also like
Upgrade Triple Cash Rewards Visa® review: is it legit and worth it?
If you're looking for a new credit card with cash back rewards, the Upgrade Triple Cash Rewards Visa® is an interesting option. We are going to show you its pros and cons on this full review.
Keep ReadingThe Centurion® Card from American Express review: is it worth it?
The Centurion® Card from American Express is famous for its exclusivity and luxurious benefits. The perfect card for the bon vivant - but with a salty price. Learn more about this beautiful metal credit card!
Keep ReadingLightStream Personal Loan review: how does it work and is it good?
Discover what LightStream Personal Loan is all about in this complete review. Ensure fast access to the money you need and no hidden fees.
Keep Reading