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Free Shipping on Orders of $50 or more Details

Main Content

Meet your Cardmember benefits. *10% off 60-day welcome shopping pass. Exclusive offers throughout the year. Presale access to popular sales

Meet your Cardmember benefits. *10% off 60-day welcome shopping pass. Exclusive offers throughout the year. Presale access to popular sales

 

1. Get Started

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2. Select your card

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3. Enter email address—500 POINTS

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Confirm

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4. Opt-in for updates and offers
Choose which Gap Inc. brands you are
interested in receiving emails about.

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Old Navy

Women
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Gap

Women
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GapBody
Men
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Banana Republic

Women
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Petites
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Women's Tall
Women's Shoes & Accessories

Athleta

Gap Factory

Banana Republic Factory

5. Text Me My Rewards:
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mobile phone.

Enter mobile number with area code.

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MESSAGE AND DATA RATES MAY APPLY.

By entering my phone number, clicking submit, and completing the sign-up instructions, I consent to receive one or more recurring marketing text messages regarding any Gap Inc. Rewards program in which I am enrolled (e.g. BRIGHT or credit card rewards) which will include receiving as many Rewards as I have earned at the mobile number provided that may be sent via an automated system each week, and I also consent to the text terms & privacy policy. Consent is not a condition of purchasing goods or services. You can opt-out at any time by responding STOP. You can also respond HELP for help.

Text Me My Rewards Terms & Conditions

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6. Go Paperless—500 POINTS
Once you click continue, you’ll have the option to earn another 500 points by enrolling in paperless billing.

*This consent is not required to make a purchase.

Click here to view Terms and Conditions. Click here to view Gap Inc.'s Privacy Policy. © 2017 Gap Inc., LLC.

Gap Inc. Visa cards are issued by Synchrony Bank pursuant to a license from Visa U.S.A Inc.

Click here to view Terms and Conditions. Click here to view Gap Inc.'s Privacy Policy. © 2015 Old Navy, LLC.

Gap Inc. Visa cards are issued by Synchrony Bank pursuant to a license from Visa U.S.A Inc.

Cardmember offers are subject to credit approval and Gap Inc. credit card must be used as pay type.

FIRST PURCHASE DISCOUNT: Offer expires at 11:59 PM ET within ninety (90) days of account open date and is valid in the U.S. (including Puerto Rico). When approved for the Old Navy Visa or Old Navy Card online, the indicated discount will be applied at checkout to your first single receipt qualifying purchase made with your new card at oldnavy.com. Discount applies to Old Navy merchandise only. Not applicable to the value of gift cards purchased, packaging, applicable taxes or shipping & handling charges. Cannot be combined with the Gap Inc. employee discount. May not be redeemed for cash or cash equivalent and no adjustment on previous purchases. Code valid for one-time use only. Not responsible for lost or stolen codes. Offer is non-transferable. Returns and exchanges are subject to Old Navy's return policy. Limit one account opening discount per customer.

The Old Navy Visa Card is issued by Synchrony Bank pursuant to a license from Visa U.S.A. Inc.

REWARDS: See your Reward Program Terms for details.

ADD AN AUTHORIZED USER: The primary cardmember will be liable for all purchases made on the account, including those made by an authorized user.

ZERO FRAUD LIABILITY FOR UNAUTHORIZED USE: Unauthorized use does not include charges by a person to whom you have given authority to use your account or card, and you will be liable for all use by such person.

NO ANNUAL FEE: For new accounts: As of 11/01/2019, Variable Purchase APR is 27.49%. The APR will vary with the market based on the Prime Rate. Minimum interest charge for the Gap Inc. Visa card and for the Gap Inc. credit card is $2.00.

UPGRADE TO NAVYIST and 20% TIER STATUS: Old Navy Account holders who do all of the following: (a) earn 5000 Reward Points (excluding bonus points earned and merchandise returns) on their Account within a calendar year, (b) make at least the minimum payment due on their Account by the payment due date after reaching the 5000 Reward Point qualifying amount, and (c) keep their Account in good standing, will be upgraded to a Navyist by Old Navy account. Upgrades will be processed within 90 to 120 days after you qualify. Navyist by Old Navy cardmembers receive additional benefits, including a quarterly bonus of 20% of Reward Points earned as of the end of each calendar quarter. (For example, if at the end of a calendar quarter you have earned 500 Reward Points, we will add an additional 100 Reward Points to your Reward Account.) You must requalify as set forth above each calendar year in order to maintain your qualification as a Navyist cardmember.

FREE 3-5 BUSINESS DAY SHIPPING FOR NAVYIST CARDMEMBERS: Free shipping is subject to credit approval and valid on purchases made online at Old Navy, Gap, Gap Factory, Banana Republic, Banana Republic Factory and Athleta with your Navyist Credit Card or Navyist Visa Card shipped to a single U.S. address. Navyist status must be current and you must enter code NAVYIST at checkout. Offer and delivery times are subject to change without notice. See your Reward Program Terms for details.

FREE BASIC ALTERATIONS FOR NAVYIST CARDMEMBERS: Available on merchandise purchased at Banana Republic stores and at BananaRepublic.com with your Navyist Credit Card or Navyist Visa Card. Excludes merchandise purchased at Banana Republic Factory Store, Gap, Old Navy and Athleta stores. Not valid on previous purchases. Not valid on leather and suede merchandise. Navyist status must be current. Offer subject to change without notice.

CONNECT WITH EMAIL & EBILL: Offer valid 1 time. cardmember will receive 500 Bonus Reward Points when they submit a valid account number and email address and 500 Bonus Reward Points when they sign up for eBill. Account must remain open, in good standing, and not become delinquent. Points are awarded within two billing cycles. Please see your Reward Program Terms for details.

Gap Inc. Visa Cards are issued by Synchrony Bank pursuant to a license from Visa U.S.A. Inc.

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.

 

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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.

 

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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.

 

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THE GAP INC. REWARDS PROGRAM TERMS AND CONDITIONS WILL BE CHANGING.

  • Your issued rewards will no longer be referred to as a reward "Card" or "Certificate", given the different channels in which rewards are presented and used. Moving forward they will be referred to as simply "Rewards".
  • Rewards for all programs will be issued beginning at $5 denominations.
  • Old Navy will introduce a tier program known, as ‘Navyist by Old Navy’
  • cardmembers must earn 5,000 points (excluding bonus points) to upgrade to Luxe, Silver or Navyist status. Visa cardmembers will qualify for status by making purchases outside of Gap, Inc. locations.
  • Gap Silver, Banana Republic Luxe and Navyist by Old Navy accounts will earn a 20% rewards bonus each calendar quarter.
  • These changes take effect beginning 7/1/2015.

REWARDS PROGRAM TERMS AND CONDITIONS

Definitions:

  • All holders of Gap Credit Card Accounts or Gap Visa Card Accounts (each a "Gap Account") are eligible to participate in the Gap Rewards Program.
  • All holders of Banana Republic Credit Card Accounts or Banana Republic Visa Card Accounts (each a "Banana Republic Account") are eligible to participate in the Banana Republic Rewards Program.
  • All holders of Old Navy Credit Card Accounts or Old Navy Visa Card Accounts (each an "Old Navy Account") are eligible to participate in the Old Navy Rewards Program.
  • "Account" means a Gap Account, Banana Republic Account or Old Navy Account.
  • "Visa Account" means a Gap Visa Card Account, Banana Republic Visa Card Account or Old Navy Visa Card Account.
  • • The Gap Rewards Program, Banana Republic Rewards Program and Old Navy Rewards Program are collectively referred to herein as the "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 two (2) payments past due both at the time you earn Reward Points ("Points") and at the time Reward Cards are issued by a Rewards Program and redeemed by you. The Rewards Program does not apply to cash or debit card purchases or to the purchase of Gap, Banana Republic or Old Navy products with 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:

  1. Shop in stores or online at Gap, GapBody, babyGap, GapKids, Gap Maternity, Gap Outlet, Banana Republic, Banana Republic Factory Store, Old Navy, Piperlime or Athleta in the U.S., Canada or Puerto Rico or directly with Athleta via phone or mail (each, a "Store Location"). Rewards are not earned for purchases made at Intermix stores or intermixonline.com. 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 five Points. You will earn one Point for every dollar in net purchases made at: (1) other merchants and charged to your Visa Account, or (2) Store Locations outside the U.S., Puerto Rico and Canada that are charged to your Account. Cash advances, finance charges and fees do not qualify for Points. Points will be credited to your Account’s Rewards Program balance.
  2. For every 1,000 Points you earn on your Gap or Banana Republic Account, you will receive a Reward Certificate value of $10 for that Account. Gap and Banana Republic Reward Cards will be issued in increments of $10, with a minimum value of $10 and a maximum value of $50. For every 500 Points you earn on your Old Navy Account, you will receive a Reward Card value of $5 for that Account. Old Navy Reward Cards will be issued in increments of $5, with a minimum value of $5 and a maximum value of $50. Reward Cards will be issued by the same brand as the Account. Multiple Reward Cards may be issued for an Account; however, no more than $250 in Reward Cards 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 Reward Card on the Account or worth more than $250 in Reward Cards will be applied toward a Reward Card in a future billing cycle. For example: If you earn 2,500 Points on your Gap Account, you will receive a $20 Gap Reward Card and 500 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 Banana Republic Reward Card; and if you earn 1,500 Points on your Old Navy Account, you will receive a $15 Old Navy Reward Card.
  3. There is no limit to the amount of Points you can earn in a calendar year for an Account. Reward points earned but not used towards the issuance of a Reward Card 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. Reward Cards will expire as of the expiration date set forth on the Card.
  4. Reward Card(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 Card, or in some instances up to two (2) billing cycles thereafter.

Rewards Redemption: You can redeem a Reward Card at a Store Location within the valid dates shown on the Reward Card by either (i) presenting and surrendering the Reward Card in store or (ii) providing the Reward Card code online, via phone or mail. Reward Cards may only be redeemed at Store Locations toward purchases charged to your Account. You can redeem up to three (3) Reward Cards on a single item purchase in store or via mail, and up to five (5) Reward Cards on a single item purchase online or via phone. Reward Cards can be combined with any 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 or intermixonline.com. When redeeming your Reward Card, the value of your purchase must be greater than the value of the Reward Card(s). Reward Cards 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 Card(s), the dollar value of the Reward Card(s) allocated to item(s) returned will be converted to Reward Points and credited to your Account within the next two (2) billing cycles. If you did not use your Account, or if your Account is closed, the dollar value of the Reward Card(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 Card. Employees of Gap Inc. cannot combine Rewards Cards with their employee merchandise discount.

General Terms for Using Rewards Cards: Reward Cards 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. Reward Cards are not "gift certificates" and are not intended for gift-giving purposes. Points and Reward Cards have no cash value and are purely promotional. Reward Cards cannot be used retroactively for prior purchases. Unless and until you complete the Program Terms and Conditions by presenting the Reward Cards at a Store Location, you do not have any right, title, or interest in your Points or the Reward Cards. We are not responsible for lost or stolen Reward Cards.

Gap Silver and Banana Republic Luxe Accounts: Gap and Banana Republic Accountholders who do all of the following: (a) spend $800 in Store Locations (excluding merchandise returns) on their Account within a calendar year, (b) make at least the minimum payment due on their Account by the payment due date after reaching the $800 qualifying amount, and (c) keep their Account in good standing, will be upgraded respectively to a Gap Silver Account or Banana Republic Luxe Account. Upgrades will be processed within 90 to 120 days after you qualify. Once you receive your upgraded card, you will receive additional Gap Silver or Banana Republic Luxe cardmember benefits. You must spend at least $800 in Store Locations (excluding merchandise returns) on your Gap Silver Account or Banana Republic Luxe Account each calendar year in order to maintain your respective qualification as a Silver or Luxe cardmember.

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 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.

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Old Navy Credit Card

Apply for Old Navy Visa Credit Card and Start Earning Rewards Points

Enjoy a variety of exciting benefits when you have an Old Navy credit card. Our Old Navy credit cards customers save money, earn rewards points and more. We offer credit card customers inside information about sales, hot new trends and designer styles. You can manage your Old Navy credit card accounts, enjoy the savings and spot the rewards right online at our website. Click on OldNavy.com to visit our website and get all the information and details pertaining to Old Navy credit cards and sign up for yours today.
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