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 credit card is perfect for those who love shopping for new clothes. Source: The Mister Finance.
This credit card is perfect for those who love shopping for new clothes. Source: The Mister Finance.

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.

Navyist Rewards Mastercard®

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 ScoreGood – Excellent
APRPurchases and balance transfers: 29.74%, based on the Prime Rate;
Cash Advances: 29.99%
Annual Fee$0
FeesForeign 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 bonus30% off on the first purchase at Old Navy
Rewards5X 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.

Navyist Rewards Mastercard® benefits

This credit card will benefit those who like to shop at specific stores. Source: Canva.
This credit card will benefit those who like to shop at specific stores. Source: Canva.

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.

Pre-approved credit cards for low credit score available now

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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!

Navyist Rewards Mastercard®

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

My name is Aline Mesquita; I'm a writer here on the blog, where I write about finance in general and other subjects. I have been working with content creation for ten years. Also, I'm post-graduated in Project Management, with expertise in SEO practices. Currently, I am studying finance, market trends, and cryptocurrencies.

Reviewed by  /  Aline Barbosa

Senior Editor

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