Outdated Navy bank card evaluate: An honest possibility for followers of the retailer — and its sister manufacturers
Navyist Rewards Mastercard overview
The Navyist Rewards Mastercard is a good possibility for followers of clothes retailer Outdated Navy. The cardboard options no annual payment and earns bonus rewards at Outdated Navy, Hole, Athleta and different sister manufacturers. Nonetheless, it gives minimal advantages and mediocre incomes charges outdoors these manufacturers. Card score*: ⭐⭐½ stars
*Card score is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
Followers of Outdated Navy could think about getting the Navyist Rewards bank card for its brand-specific elevated incomes charges and advantages. The Navyist Rewards card was made particularly for customers who regularly buy from Outdated Navy and its sister manufacturers:
- Hole
- Athleta
- Banana Republic
- Hole Manufacturing unit
- Banana Republic Manufacturing unit
The Navyist Rewards card has no annual payment and a beneficial credit score rating of 690 or above, though having a rating under this does not essentially imply you will be denied.
Let’s dig into the cardboard particulars so you’ll be able to determine if it deserves a spot in your pockets.
The data for the Navyist Rewards Mastercard has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.
Navyist Rewards Mastercard professionals and cons
This is a fast look at the place the Navyist Rewards Mastercard gives stable worth and the place it misses the mark.
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Navyist Rewards Mastercard welcome provide
The Outdated Navy bank card gives new candidates a 30% low cost on their first buy with the cardboard upon approval.
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This may be tempting once you see the financial savings alternative at checkout, however it’s much less spectacular once you evaluate it to some cash-back playing cards that supply a $200 sign-up bonus. To get a greater worth than that out of your Navyist Rewards provide, you would want to spend greater than $600 in your first buy.
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Navyist Rewards Mastercard advantages
We do not sometimes count on many advantages on no-annual-fee playing cards, and the Navyist Rewards is not any exception. Most of the card’s advantages can be found to non-cardholders who join Outdated Navy’s rewards program.
Even with out being a cardholder, members of Outdated Navy’s rewards program earn 1 level per greenback spent on the household of manufacturers; the factors are price 1 cent every. Rewards members additionally obtain free, quick delivery on orders of $50 or extra, unique gives and a birthday bonus.
Along with incomes bonus factors on purchases within the Outdated Navy household of manufacturers, cardholders can convert their expired Tremendous Money (Outdated Navy coupons) to rewards factors inside 30 days of the Tremendous Money expiration date. The worth of expired Tremendous Money is minimal — normally solely a few cents per “greenback” of Tremendous Money. You are higher off utilizing your Tremendous Money earlier than it expires, however this feature is a fringe profit.
The Outdated Navy bank card additionally options fraud safety, that means you are not liable for any expenses you did not authorize.
Lastly, cardholders with the very best standing degree get a choose-your-own sale day and free primary alterations on qualifying Banana Republic purchases.
However once more, you’ll be able to entry many perks simply by being an Outdated Navy rewards member, so the worth of the cardholder advantages is really minimal.
Incomes rewards on the Navyist Rewards Mastercard
Historically, retailer bank cards had been restricted of their scope of use and had been solely legitimate on the shops that issued them (often known as closed-loop playing cards). More and more, nonetheless, cobranded retailer playing cards have upped their performance and, for essentially the most half, can be utilized anyplace bank cards are accepted. Such is the case with the Navyist Rewards card.
Being a Navyist Rewards cardholder means you have got entry to perks like elevated incomes charges on particular purchases, together with:
- 5 factors per greenback spent at Outdated Navy, Hole, Banana Republic and Athleta
- 1 level per greenback spent on all purchases outdoors of Outdated Navy’s household of manufacturers
Cardholders may unlock Household of Manufacturers bonus factors yearly once they store at two or extra Outdated Navy sister manufacturers. The breakdown for incomes these bonus factors seems to be like this:
- Earn 500 factors once you store at two sister manufacturers.
- Earn 1,000 factors once you store at three sister manufacturers.
- Earn 2,000 factors once you store at 4 sister manufacturers.
Moreover, cardholders on the center and highest rewards tiers obtain a quarterly bonus after they make a qualifying buy at any of Outdated Navy’s household of manufacturers: 250 factors for the center tier and 500 factors for the very best tier.
If somebody on the highest tier took full benefit of those bonus alternatives, they might rise up to 4,000 bonus factors every year — price $40, since they are often redeemed for 1 cent apiece.
Redeeming rewards on the Navyist Rewards Mastercard
The factors you earn in your Navyist Rewards Mastercard are price 1 cent apiece and may solely be redeemed towards purchases at Outdated Navy or its sister manufacturers.
You’ll be able to redeem earned factors at checkout — whether or not you are making a purchase order on-line or in-store at Outdated Navy or any of its sister manufacturers. Redemptions start at $1, and you can not redeem greater than $500 per transaction.
After I’m trying out in-store, I get prompted to enter my cellphone quantity — which is hooked up to my Outdated Navy account. The cashier lets me know what number of rewards I’ve accrued and asks if I need to use them or save them for an additional time.
It is price noting that the redemption system for the Navyist Rewards card may be very limiting. Should you’re in search of extra versatile redemption choices, you will get higher worth from considered one of our high picks for the greatest cash-back or journey bank cards.
Which playing cards compete with the Navyist Rewards Mastercard?
Should you determine the Navyist Rewards card is not the very best match for you however nonetheless need a rewards bank card, think about considered one of these top-rated TPG picks:
- In order for you bonus rewards for on-line procuring: The Blue Money On a regular basis® Card from American Categorical has no annual payment (see charges and costs) and earns 3% money again at U.S. fuel stations (on as much as $6,000 per 12 months, then 1%) and U.S. supermarkets (on as much as $6,000 per 12 months, then 1%) and on U.S. on-line retail purchases (on as much as $6,000 per 12 months, then 1%). For extra particulars, try our full evaluate of the Amex Blue Money On a regular basis.
- In order for you constant cash-back rewards: The Citi Double Money® Card (see charges and costs) has no annual payment and earns 2% money again on each buy — 1% once you make a purchase order and one other 1% once you pay it off. For extra particulars, try our full evaluate of the Citi Double Money.
- In order for you journey rewards: The Chase Sapphire Most well-liked® Card earns helpful Chase Final Rewards factors you’ll be able to redeem for journey, reward playing cards and extra. For extra particulars, try our full evaluate of the Chase Sapphire Most well-liked.
For extra choices, try our checklist of greatest starter bank cards and the very best bank cards for on-line procuring.
Associated: Why the Sapphire Most well-liked needs to be your subsequent bank card
Is the Navyist Rewards Mastercard price it?
Those that store regularly at Outdated Navy, Hole, Athleta, Banana Republic, Hole Manufacturing unit and Banana Republic Manufacturing unit will get respectable worth from the Navyist Rewards Mastercard because of incomes a set 5 factors per greenback spent at this household of manufacturers. Nonetheless, most customers will do higher with a distinct card with extra helpful incomes classes and advantages.
Backside line
Should you regularly store at Outdated Navy — or any of its sister manufacturers — then making use of to turn into a Navyist cardholder could make sense. You’ll be able to redeem earned factors as money reductions on future purchases and use your card together with Tremendous Money for optimum financial savings. Nonetheless, most customers will get extra worth from merely signing up for Outdated Navy’s rewards program and utilizing a cash-back or journey rewards bank card.
Associated: Retailer vs. cash-back bank cards
For charges and costs of the Amex Blue Money On a regular basis, click on right here.
