Visa Chip & Signature Technology FAQ

Get to know the Old Navy Visa Card.

The Old Navy Visa Card includes chip & signature technology for enhanced security.

1. The Basics
2. Getting Started with Chip & Signature
3. Using your Chip & Signature Card

The Basics

What is chip & signature technology?

Simply put, its extra security at chip-enabled terminals that makes unauthorized use of your Visa Card information tougher. The chip works just like the magnetic strip on typical cards, except that it encrypts the information.

Is chip & signature the same as contactless payment?

Nope, a chip & signature card must be inserted into a slot in a chip-specific merchant terminal.

Getting Started with Chip & Signature

I just received my new chip & signature card.
Do I need to take any action?

Activate your new Old Navy Visa Card by calling 866-450-5289 or by visiting OldNavy.com/activate. If your card is a replacement for a previous Old Navy Visa Card, log in to your account to update any recurring payment information.

Using Your Chip & Signature Card

How do I use my chip card?

Just insert your card into the chip-specific merchant terminal slot and follow the prompts on the screen.

What if the merchant doesn't have a card-enabled terminal?

You or the merchant can still swipe the card in the usual way using the magnetic strip.

Do I need a PIN to use my card?

Nope. Your merchant may require a signature to approve the transaction, but not a PIN.

Where can I use my chip & signature card?

You can use your chip & signature card everywhere Visa is accepted, all around the world. Chip & signature terminals are more common in the U.S., Mexico, Australia, New Zealand, and some European countries.

Where can I get more information about chip & signature?

If you have further questions, please call the number on the back of your card to speak to a Customer Care Professional.

Visa Chip & Signature Technology FAQ

Get to know the Old Navy Visa Card.

The Old Navy Visa Card includes chip & signature technology for enhanced security.

1. The Basics
2. Getting Started with Chip & Signature
3. Using your Chip & Signature Card

The Basics

What is chip & signature technology?

Simply put, its extra security at chip-enabled terminals that makes unauthorized use of your Visa Card information tougher. The chip works just like the magnetic strip on typical cards, except that it encrypts the information.

Is chip & signature the same as contactless payment?

Nope, a chip & signature card must be inserted into a slot in a chip-specific merchant terminal.

Getting Started with Chip & Signature

I just received my new chip & signature card.
Do I need to take any action?

Activate your new Old Navy Visa Card by calling 866-450-5289 or by visiting OldNavy.com/activate. If your card is a replacement for a previous Old Navy Visa Card, log in to your account to update any recurring payment information.

Using Your Chip & Signature Card

How do I use my chip card?

Just insert your card into the chip-specific merchant terminal slot and follow the prompts on the screen.

What if the merchant doesn't have a card-enabled terminal?

You or the merchant can still swipe the card in the usual way using the magnetic strip.

Do I need a PIN to use my card?

Nope. Your merchant may require a signature to approve the transaction, but not a PIN.

Where can I use my chip & signature card?

You can use your chip & signature card everywhere Visa is accepted, all around the world. Chip & signature terminals are more common in the U.S., Mexico, Australia, New Zealand, and some European countries.

Where can I get more information about chip & signature?

If you have further questions, please call the number on the back of your card to speak to a Customer Care Professional.

GAP INC. REWARDS PROGRAM TERMS AND CONDITIONS

Definitions:

• All Gap, Banana Republic, Old Navy, and Athleta credit card or Visa cardholders and Gap Inc. Visa Signature cardholders are eligible to participate in the Gap Inc. Rewards Program.
• "Account" means a Gap Account, Gap Visa Card Account, Banana Republic Account, Banana Republic Visa Card Account, Old Navy Account, Old Navy Visa Card Account, Athleta Account, Athleta Visa Card Account or a Gap Inc. Visa Signature Account.
• The Gap Inc. Rewards Program is collectively referred to herein as the "Rewards Program".
• Note: this Rewards Program is separate from the BRIGHT Rewards program.

If you participate in the Rewards Program for your Account, you accept the following Rewards Program Terms and Conditions (“Terms and Conditions”):

Qualifying: The Rewards Program applies when you make a purchase using your Account and you meet these requirements: Your Account is: 1) open, 2) in good standing, and 3) not more than 2 payments past due both at the time you earn Reward Points (“Points”) and at the time rewards (“Rewards”) are issued and redeemed by you. The Rewards Program does not apply to cash or debit card purchases or purchases at Gap, Banana Republic, Old Navy or Athleta using credit cards other than one of the Accounts. In addition, Points are only earned on the Account used to make the purchase and are not based on the store in which the purchase is made. For example, if you use a Gap Account to purchase Old Navy products, you will earn Points on your Gap Account (and not on an Old Navy Account). If you have more than one Account, you cannot transfer or combine Points between Accounts.

Member Benefits: The Rewards Program provides you with the following benefits:

• Shop in stores, online or directly via phone or mail at Gap, GapBody, babyGap, GapKids, Gap Maternity, Gap Outlet, Gap Factory Store, Banana Republic, Banana Republic Factory Store, Old Navy, Old Navy Outlet, or Athleta in the U.S. (including Puerto Rico) and Canada (each, a “Store Location”). Rewards Points are not earned for purchases made at Intermix stores, intermixonline.com, Weddington Way stores, weddingtonway.com, or for the babyGap OutfitBox or Old Navy SuperBox subscription services. For every dollar in net purchases (net purchases are merchandise purchased minus returns and adjustments) charged to your Account at any Store Location, you will earn 5 Points. You will earn 1 Point for every dollar in net purchases made at: (1) other merchants charged to your Account, or (2) Store Locations outside the U.S. and Canada that are charged to your Account. Cash advances, interest charges and fees do not qualify for Points. Points will be credited to your Account’s Rewards Program balance. You may see Points you receive advertised as “% back in Rewards.”
• Points awarded for purchases that are returned, refunded or otherwise adjusted will be deducted from your Points total. Such deductions may result in a negative Points balance, in which case, any subsequent Points earned will be applied to reduce that negative balance.
• For every 500 Points you earn on your Account, you will receive a Reward value of $5 for that Account. Rewards will be issued in increments of $5, with a minimum value of $5 and a maximum value of $50. Rewards will be issued by the same brand as the Account. Multiple Rewards may be issued for an Account; however, no more than $250 in Rewards will be issued in any billing cycle. Any Points in a billing cycle that are either less than the amount required for the lowest denomination of a Reward on the Account or worth more than $250 in Rewards will be applied toward a Reward in a future billing cycle. For example: If you earn 2,700 Points on your Gap Account, you will receive a $25 Reward and 200 Points will carry forward in your Rewards balance for your next billing cycle; if you earn 5,000 Points on your Banana Republic Account, you will receive a $50 Reward; and if you earn 1,500 Points on your Old Navy Account, you will receive a $15 Reward.
• There is no limit to the amount of Points you can earn for an Account. Points earned but not used towards the issuance of a Reward will expire 24 months after your last purchase if your Account has been inactive (i.e., there has been no purchase activity on your Account) for 24 months. Rewards will expire as of the expiration date set forth in the issued Reward.
• Reward(s) will generally be issued on your Account on the billing statement for the period during which you accumulated the required number of Points for a Reward, or in some instances up to 2 billing cycles thereafter.
• BIRTHDAY OFFER: Available for cardholders who have made at least one purchase on their Gap Inc. credit card at a Store Location that matches the Gap, Inc. brand on their Account within the twelve months preceding their birthday and whose account is in good standing. Not valid for Old Navy cardholders.

Rewards Redemption: You can redeem a Reward within the valid dates shown on the Reward by either (i) presenting the Reward in store or (ii) providing the Reward code online or via phone. Rewards may only be redeemed at Store Locations towards purchases charged to your Account. You can redeem up to 3 Rewards on a single transaction in store, and up to 5 Rewards online or via phone. Rewards can be combined with one promotional offer, and they can be used to purchase items on sale at any Store Location. Rewards may not be redeemed at Intermix stores, intermixonline.com, Weddington Way stores, weddingtonway.com, or with purchases for the babyGap OutfitBox or Old Navy SuperBox subscription services. When redeeming your Reward, the value of your purchase must be greater than the value of the Reward(s), and you must use a Gap Inc. credit card as the sole payment type for all amounts owed over the Reward value. Rewards cannot be credited to an account, redeemed for cash or cash equivalent, applied to past purchases, or used for purchasing gift cards. If you return merchandise purchased with Reward(s), the dollar value of the Reward(s) allocated to item(s) returned will be converted to Points and credited to your Account within the next 2 billing cycles. If you did not use your Account, or if your Account is closed, the dollar value of the Reward(s) allocated to the item(s) returned shall not be refunded or credited. Returns are subject to Store Location Return/Exchange policies. Additional restrictions may also apply as stated on your Reward. Employees of Gap Inc. cannot combine Rewards with their employee merchandise discount.

General Terms for Using Rewards: Rewards are not transferable to anyone else and may only be used by you for your personal benefit. You cannot combine your benefits with the benefits accrued by any other Rewards Program participant. Rewards are not “gift certificates” and are not intended for gift-giving purposes. Points and Rewards have no cash value and are purely promotional. Rewards cannot be used retroactively for prior purchases. Unless and until you complete the Program Terms and Conditions by presenting the Rewards at a Store Location, you do not have any right, title, or interest in your Points or the Rewards. We are not responsible for lost or stolen Rewards.

Gap Silver, Banana Republic Luxe and Navyist by Old Navy Accounts: Gap, Banana Republic and Old Navy Account holders who do all of the following will be upgraded respectively to a Gap Silver Account (“Silver”), Banana Republic Luxe Account (“Luxe”) or Navyist by Old Navy Account (“Navyist”): (a) earn 5000 Points (excluding bonus points earned during a bonus reward point campaign and merchandise returns) on their Account within a single calendar year, (b) make at least the minimum payment due on their Account by the payment due date after reaching the 5000 Point qualifying threshold, and (c) keep their Account open, in good standing, and not become delinquent. Upgrades will be processed within 90 to 120 days after qualifying. The Account must requalify each calendar year as set forth above to maintain the upgraded status as a Silver, Luxe or Navyist cardholder. Upgraded accounts that are current, open, in good standing and do not become delinquent receive additional benefits when you use your card, such as:

• QUARTERLY BONUS POINTS: A quarterly bonus of 20% of Points earned as of the end of each calendar quarter (excluding bonus points earned during a bonus reward points campaign and merchandise returns). For example, if at the end of a calendar quarter you have earned 500 Points, we will add an additional 100 bonus Points to your Reward Account.
• FREE BASIC ALTERATIONS AT BANANA REPUBLIC: • Available on merchandise purchased at Banana Republic stores and bananarepublic.com. Not valid on previous purchases. Not valid on leather and suede merchandise. Offer subject to change. Merchandise cannot be returned or exchanged after being altered.

FREE 3-5 DAY SHIPPING: Offer valid for online orders placed at gap.com, bananarepublic.com, oldnavy.com, athleta.com, gapfactory.com, and bananarepublicfactory.com. This offer is valid on shipping to your order's first "ship to" address, anywhere in the U.S. (including Puerto Rico). If you choose another shipping option additional charges will apply. Orders must be shipped to a single address. Select the 3-5 day shipping option. No adjustments on previous purchases. Must enter one of the following promotional codes at checkout: Silver – MYCARD; Luxe – LUXE; Navyist – NAVYIST.

Visa Signature Accounts: Select Accounts may be upgraded to a Gap Inc. Visa Signature Account at the discretion of Synchrony Bank (“Bank”) Gap Inc. Visa Signature Accounts will earn all the benefits listed above (as a Silver, Luxe or Navyist Account), plus additional benefits that will be communicated to the cardholder (such additional benefits may include bonus points earned for purchases, additional birthday bonuses and select benefits provided by Visa, U.S.A. Inc.). For Free 3-5 Day Shipping, enter SIGNATURE as the promotional code at checkout.

Removal From or Modification/Termination of Rewards Program: We reserve the right to remove any person from the Rewards Program in the event of any fraud or abuse as determined in our sole discretion in connection with this Program. We reserve the right to change or terminate the Rewards Program at any time and in any manner without notice.

NO WARRANTY: GAP INC., SYNCHRONY BANK AND EACH SUCH COMPANY’S RESPECTIVE SUBSIDIARIES, DIVISIONS, AND AFFILIATE ENTITIES, ALONG WITH EACH SUCH COMPANY’S RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS MAKE NO WARRANTY, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE WITH RESPECT TO THE REWARDS PROGRAM OR ANY PRODUCTS OR SERVICES RELATED TO SUCH PROGRAM.

RELEASE OF LIABILITY: YOU RELEASE GAP INC., SYNCHRONY BANK AND EACH SUCH COMPANY’S RESPECTIVE SUBSIDIARIES, DIVISIONS, AND AFFILIATE ENTITIES, ALONG WITH EACH SUCH COMPANY’S RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS FROM AND AGAINST ANY AND ALL LIABILITY RELATING TO YOUR MEMBERSHIP OR PARTICIPATION IN THE REWARDS PROGRAM OR THESE TERMS AND CONDITIONS.

Complete Agreement: These Terms and Conditions, together with your Agreement (including, without limitation the “Governing Law” and “Dispute and Claim Resolution (including Arbitration) Provision” sections of the Agreement), make up the entire agreement between us relating to the Rewards Program, and replace any prior understandings or agreements (whether oral or written) regarding the Rewards Program. The Rewards Program is provided by Gap Inc. and serviced by Synchrony Bank.