| Discount | Offer description | Expires |
|---|---|---|
| Up to 80% off | Old Navy clearance from $5 — styles up to 80% off | Dec 19, 2026 |
| Up to 60% off | Today's Deals at Old Navy: up to 60% off for the family | Dec 19, 2026 |
| Extra 30% off | Extra 30% off your first purchase with the new credit card | Dec 19, 2026 |
| Free shipping $50+ | Free shipping on $50+ orders for Navyist Rewards members | Dec 19, 2026 |
The loyalty layer here is no longer a card you occasionally remember. Encore spans Old Navy, Gap, Banana Republic and Athleta, and it decides two numbers on every order that no coupon touches: what delivery costs and how long you have to change your mind. Qualifying items ship for $9 on a nonmember order. A free member ships free from $50 and pays $7 below it. An All-Access cardmember ships free from $35. On returns, Premier members get up to 45 days and cardmembers up to 60, with anything sent back after day 30 coming home as merchandise credit rather than to the card. Joining costs nothing, which makes it the first saving on this page.
Points are earned across the four brands rather than at Old Navy alone, and the card tier changes the earn rate by a factor of five.
| Tier | Points earned | Delivery | Returns |
|---|---|---|---|
| Core, free to join | 5 points per $1 at the family of brands | Free basic shipping on purchases $50+; qualifying items ship for $7 below that | The standard window |
| Premier, from $350 of annual spend | 5 points per $1 | Free standard shipping on purchases $50+ | Up to 45 days; after day 30 it comes back as merchandise credit |
| All-Access cardmember | 25 points per $1 at the family of brands, 15 per $1 at other eligible retail apparel brands, 5 per $1 everywhere else Mastercard is accepted | Free standard shipping on purchases $35+ | Up to 60 days; after day 30 it comes back as merchandise credit |
| No membership | None | Qualifying items ship for $9 | The standard window |
Super Cash is what regulars actually plan around, and it is not a percentage off anything. Spend $25 or more during an earn window and one universal coupon code is issued per qualifying transaction, while supplies last. That code is then worth $20 off a basket of $50 to $99.99, $40 off $100 to $149.99, or $60 off $150 or more, redeemed during a later window. The rule that costs people money is the forfeiture clause: you are free to spend less than the full required threshold, but you then receive only the corresponding lower value discount and forfeit the remaining potential value of that coupon outright. Super Cash is not valid at any other Gap Inc. brand or at the clearance centers, and the earn calculation excludes gift cards and merchandise sold and shipped by third parties.
Returns are free on all orders, which removes the usual reason to hesitate over a size. By mail, the interactive returns process generates a prepaid UPS return shipping label. In a store, bring the shipping confirmation email, printed or on a phone, plus the card used for the purchase. Two categories sit outside all of it. Final sale items cannot be returned or exchanged at all. And items sold and shipped by a partnered seller can only be shipped back to that seller by mail, never handed across a counter, unless they are marked final sale in which case they cannot go back either. Worth knowing before the basket is built rather than after the parcel arrives.
Anyone treating this shop as a single trip is paying the maximum. The structure of the year is a rotation of Super Cash earn windows followed by redemption windows, and the store advertises when each one opens rather than tying them to fixed dates. The pattern that beats the rotation is mechanical. Cross the $25 earn threshold on the trip you were making anyway, wait for the redemption window, then build the second basket to land just above one of the three ladder steps rather than just below it, because the difference between a $49 basket and a $50 basket inside a redemption window is twenty dollars. Membership compounds the effect, since the free-shipping floor and the extra return days ride on the tier rather than on the coupon.
| Old Navy | Target | |
|---|---|---|
| How long you have | Up to 45 days at Premier and 60 for cardmembers, as merchandise credit after day 30 | 90 days on most items it sells; 365 days on Target brand items with a receipt |
| What loyalty adds | Days and a lower shipping floor, not dollars off | An extra 30 days with a membership or the store card |
| Cost of sending it back | Free on all orders, by mail or in a store | Free however you send it back |
| What cannot go back | Final sale items; partnered-seller goods by mail only | Gift cards, trading cards, digital downloads and open breast pumps |
When Old Navy is the wrong shop: for clothing bought a size ahead for growing children, a short window is a real risk and Target publishes ninety days on most of what it sells. For a single full-price item with no earn window running, the Super Cash machinery has nothing to work with, so Kohl's and Walmart are worth pricing first. Old Navy wins on the opposite trip: a large, planned family basket placed inside a redemption window, where the ladder and free member shipping beat any single code the others will hand you.
Open the bag on oldnavy.com, enter the code in the promotion field and check the total before paying. Sign in to your Encore account first, because member shipping and any saved offers are attached to the account and are not applied to a guest checkout.
No. It cannot be redeemed alongside another coupon, and your eligible purchase total is worked out after the Super Cash discount has been applied — which matters when a second offer has a minimum spend of its own.
One per transaction. There is no limit on how many you redeem overall, so several coupons can be spent across separate transactions on the same day, but they will never combine into one basket.
Online shoppers are emailed the code within approximately 24 hours of completing the qualifying purchase. In-store shoppers receive a paper coupon at the register. Encore members also have their codes saved to their member profile under Encore Offers.
No. It is calculated on the order total after discounts and before taxes, and the order has to be shipped to a single address anywhere in the US, Puerto Rico included. Choosing a faster shipping option can add charges back on.