Old Navy and Gap Rewards: How Points, Tiers and Cards Work
By Laura Jordana · Editor
Published Oct 8, 2026 · 5 min read
In this guide
Old Navy, Gap, Banana Republic and Athleta all belong to Gap Inc., and they share one rewards program. Points you earn at one brand can be spent at the others. The rules differ between the US and Canada, and in the US the store card changes the math more than the free tiers do.
One program, four brands
In the US the program is called Encore. Membership is free, open to US residents (including Puerto Rico) aged 16 and up, and you can join in store or on any of the brands' sites. You earn points by giving your phone number at the register or by being signed in online.Points are only earned on merchandise. Purchases paid with gift cards or store credit, taxes and shipping do not earn points, and neither does the amount of any coupon or discount.
How points turn into money
Encore members earn 5 points per $1 at the family of brands. Gap Inc.'s terms say every 500 points becomes $1 in rewards, so 5 points per dollar is about 1% back: spend $100, get $1. Points can also go to the Encore Market, where redemptions are final sale. Up to 1 million points ($2,000) can be used in one transaction.At 1% back, the points are a small rebate. They matter only if you already buy basics there, and Gap Inc. can change the program at any time.
All points expire after 12 consecutive months with no earning or redeeming on the account, in both countries.
The tiers and what they unlock
| Tier | How you get it | Free shipping | Extras |
|---|---|---|---|
| Core | Free to join | Basic shipping on $50+ | Birthday gift |
| Premier | $350+ in a calendar year | Standard shipping on $50+ | Birthday gift plus one for a family member, 15% off on a sale day you choose once a year, returns up to 45 days |
| All-Access | Open a Gap Inc. credit card | Standard shipping on $35+ with the card | Birthday gift plus up to three family members, 20% off on your own sale day with the card, returns up to 60 days, free basic alterations at Banana Republic |
Status works on calendar-year spending at all four brands combined. If you reach Premier this year, you keep it through the end of next year; miss the $350 and you go back to Core.
Birthday perks
Every Encore member gets a birthday gift once a year, as long as your birthday is in your profile at least seven business days before your birthday month starts. Gap Inc. picks the gift and it can vary. Premier members get an extra gift to shop for one family member, and All-Access cardmembers get extras for up to three family members.
Other stores are compared in our birthday rewards roundup.
The credit cards (US only)
Gap Inc.'s cards are issued by Barclays, as a store card or a Mastercard, and put you in the All-Access tier. Per Gap Inc.'s rewards page and terms:- 25 points per $1 at Gap Inc. brands in the US, which is about 5% back.
- 15 points per $1 with the Mastercard at other clothing stores (by Mastercard category code; Amazon, Target, Walmart and wholesale clubs excluded).
- 5 points per $1 with the Mastercard everywhere else it is accepted.
- A 30% discount on your first Old Navy purchase with a new Old Navy card, valid for 14 days after the account opens and not usable at the other brands, per Old Navy’s rewards page.
Five percent back at the store is a real step up from 1%, but store cards usually carry high interest rates. Interest on a balance you carry can easily cost more than the points earn. Check the card’s current rates on the application before you apply.
Getting the most out of it
- Sign in or give your phone number every time; purchases without your account earn nothing.
- Spend points before 12 quiet months erase them.
- Add a cashback portal (best cashback apps) on top. If you shop H&M too, see our H&M membership guide.
Sources checked October 2026: Old Navy rewards page, Gap Inc. Encore program terms, Gap rewards page, Old Navy Canada rewards page, Gap Inc. Rewards Program terms (Canada).
Frequently asked questions
How much are Old Navy and Gap points worth?
In the US, Gap Inc.'s Encore terms say every 500 points is $1 in rewards, and members earn 5 points per $1, so it works out to about 1% back. In Canada the program pays 1 point per dollar and every 100 points is $1, which is also about 1%.
Do Old Navy and Gap points expire?
Yes. In both the US and Canada, all points expire if the account has no earning or redeeming activity for 12 consecutive months.
Is there an Old Navy or Gap credit card in Canada?
The Canadian program terms do not include a credit card. The Gap Inc. cards (issued by Barclays) are part of the US Encore program, where cardmembers earn 25 points per $1 at Gap Inc. brands.
Can I use Old Navy points at Gap or Athleta?
Yes. The program is shared across the family of brands, so points earned at one brand can be redeemed at Old Navy, Gap, Banana Republic or Athleta. Gap Inc.'s Clearance Center, gift cards and shipping are excluded in the US.
