Old Navy Credit Card

In this Old Navy credit card review, you will be able to found the pros and cons, rewards and disadvantages of each of the credit cards of Old Navy. Apart from it, you will also get detailed guides on how to make a login or how to make payment on your Old Navy card. After all, you will also learn how to submit an application – in case if you haven’t got this credit card yet.

🔍 Old Navy Credit Card Review

As you will see in this Old Navy credit card review, there are four types of credit cards from Old Navy. We will disclose benefits, disadvantages and requirements of each of these credit cards in this review. Thus, you will be able to compare and get a credit card that you truly want.

Considering that Old Navy appears to be owned by Gap, even store branded credit cards (not connected to major networks, such as Visa) can be used not only at Old Navy, but across the entire Gap Family Brands. It actually includes Old Navy, Gap, Banana Republic, and Athleta. At the same time, you can use Visa cards anywhere. Also, keep in mind that each of the Old Navy cards features zero annual fee and the same interest rate (standing at 26.49%).


💳 Old Navy Store Credit Card

Old Navy Credit Card Review

Annual fee: $0.

Purchase APR: 26.49% variable.

Recommended credit score: from 620 to 850.

CHECK YOUR CREDIT SCORE FOR FREE — NO CREDIT CARD REQUIRED

Most suitable for: customers who regularly shop at Old Navy and want to receive high rewards for it.

Credit card features:

  • Earn 5 points for every $1 spent across the Gap Family Brands (includes Old Navy, Gap, Banana Republic, and Athleta).
  • 20% off your first purchase.
  • Receive a 10% Savings Pass for 60 days.
  • Enjoy access to cardholder promotions, discounts, and special events.
  • Get access to Bonus Point Shopping Days.

APPLY HERE

This credit card appears to be a usual store branded credit card, which means that you can use it only at Old Navy stores and other stores of the Gap Family Brands. But despite that, this seemingly banal credit card may be a sound option for many consumers. Let’s dive deeper into it in this review.

As we have pointed out in this Old Navy credit card review above, you will get a credit card with a zero annual fee and the interest rate of 26.49%. We also estimate that you should have a credit score of at least 620 in order to apply for this credit card. At first glance, this Old Navy card seems to be a usual store credit card.

Yet, this credit card comes with pretty decent rewards. You will receive 5 points for every $1 spent at Old Navy, Banana Republic, Gap, or Athleta. Once you accumulate 500 points, you can exchange them towards a $5 certificate, which can be used at Old Navy. This actually leaves you with a reward rate of 5% – same as, for example, the Hot Topic credit card offers.

Apart from this, this credit card also opens up access to additional rewards. In the first place, it is going about a 20% discount on your first purchase. Therefore, we highly recommend you to get this credit card before going on a big purchase spree at Old Navy. But keep in mind that you must complete the first purchase within 90 days after opening a credit card account in order to get this discount.

Among other benefits, we should point out that you will also receive a savings pass for 60 days – this will allow you to save 10% off your purchases during this period. You will also get access to occasional bonus point shopping days, which will boost your reward rate from 5%. Additionally, you will gain access to cardholder sales, promotions, and special events.

Verdict:

As you could read in this Old Navy credit card review, even the most basic credit card from Old Navy sounds like a great deal. If you tend to shop at Old Navy rather often, we definitely recommend you to get this credit card.

Pros:

  • No annual fee.
  • 5% reward rate on purchases at Old Navy and other stores of the Gap Family Brands.
  • 20% discount off your first purchase
  • Plenty of additional benefits.


Cons:

  • You can use this card only at Old Navy and other stores of the Gap Family Brands.
  • A very high interest rate.
  • You can redeem the rewards only towards certificates.


💳 Old Navy Visa Credit Card

old navy visa credit card

Annual fee: $0.

Purchase APR: 26.49% variable.

Recommended credit score: from 620 to 850.

CHECK YOUR CREDIT SCORE FOR FREE — NO CREDIT CARD REQUIRED

Most suitable for: customers who regularly shop at Old Navy and want to receive high rewards for it.

Credit card features:

  • Earn 5 points for every $1 spent across the Gap Family Brands (includes Old Navy, Gap, Banana Republic, and Athleta).
  • 20% off your first purchase.
  • Receive a 10% Savings Pass for 60 days.
  • Enjoy access to cardholder promotions, discounts, and special events.
  • Get access to Bonus Point Shopping Days.
  • Special cardholder promotions and offers from Visa.
  • Earn 1 point for every $1 spent anywhere else.

APPLY HERE

Actually, the only difference of this Old Navy card from the one we reviewed above is that it tends to be a Visa credit card. Given that this card is a part of a larger network, you can use this credit card basically anywhere. Same as the previous credit card, this credit card features all the same bonuses that the previous one with some extra benefits.

In terms of extra benefits, you will get numerous offers and promotions that enjoy all Visa cardholders. This is rather a decent benefit, whereas Visa offers a variety of useful features. Apart from that, you will also receive 1% reward rate on all purchases beyond Gap Family Brands. But in either case, we recommend you to use other credit cards for paying beyond the stores of the Gap Family Brands (check out the best cash back credit cards for this purpose).

Verdict:

You may definitely opt to get Old Navy Visa credit card, as it features some really worthwhile and beneficial bonuses from Visa. But we don’t recommend you to use this credit card beyond Gap Family Brands, as the reward rate tends to be rather low – there are plenty of better card options for this purpose.

Pros:

  • No annual fee.
  • 5% reward rate on purchases at Old Navy and other stores of the Gap Family Brands.
  • 20% discount off your first purchase
  • Plenty of additional benefits.
  • Additional benefits from Visa.


Cons:

  • A very low reward rate on purchases made beyond the Gap Family Brands stores.
  • A very interest rate.
  • You can redeem the rewards only towards certificates.


💳 Navyist Store Credit Card

old navy credit card interest rate

Annual fee: $0.

Purchase APR: 26.49% variable.

Recommended credit score: from 620 to 850.

CHECK YOUR CREDIT SCORE FOR FREE — NO CREDIT CARD REQUIRED

Most suitable for: customers who regularly shop at Old Navy and want to receive high rewards for it.

Credit card features:

  • Earn 5 points for every $1 spent across the Gap Family Brands (includes Old Navy, Gap, Banana Republic, and Athleta).
  • 20% off your first purchase.
  • Receive a 10% Savings Pass for 60 days.
  • Enjoy access to cardholder promotions, discounts, and special events.
  • Get access to Bonus Point Shopping Days.
  • 20% bonus points every quarter.
  • Enjoy free 3 to 5 business day shipping across Gap Family Brands.
  • Dedicated Navyist Cardholder hotline.
  • Basic alterations on purchases at Banana Republic for free.

APPLY HERE

The Navyist store credit card appears to be an enhanced version of the Old Navy store credit card (the one we reviewed the first). You can’t get this credit card outright. Instead, you must receive the Navyist status while having a usual store (or Visa) Old Navy credit card.

These are the requirements to get the Navyist status:

  • Receive 5,000 reward points (not counting returns and bonus points) within a calendar year.
  • Make the minimum payment after reaching that number of reward points by the due date.
  • Keep your account in good standing.


It may take from 90 to 120 after qualifying for the Navyist status in order to get this status update processed. Moreover, you should retain the Navyist status by fulfilling these requirements every year. If you fail to do so, your Navyist status will be taken from you in the next year.

As you can you see from this part of the Old Navy credit card review, you need to spend at least $1,000 per year at Old Navy and other stores of the Gap Family Brands in order to get this status. With this Navyist store card, you will enjoy the same benefits you will get with the store credit card from Old Navy. But apart from that, there are additional rewards.

First of all, you will get 20% additional reward points every quarter, which also means that you will find it easier to retain the Navyist status. Apart from that, you will be able to enjoy a free 3-to-5-day business shipping across all the stores from the Gap Family Brands. Additionally, you will be able to make basic alternations on Banana Republic purchases and enjoy a dedicated hotline for Navyist cardholders.

Verdict:

If you tend to spend at Old Navy rather a lot per year, having a Navyist status is rather beneficial. After all, you will boost your reward rate to 6 points for every $1 spent. But if you don’t spend a lot at Old Navy, there is no need to pursue this status.


Pros:

  • No annual fee.
  • 6% reward rate on purchases at Old Navy and other stores of the Gap Family Brands.
  • 20% discount off your first purchase
  • Plenty of additional benefits.
  • Free 3-to-5-day standard shipping at all stores of the Gap Family Brands.


Cons:

  • You can use this card only at Old Navy and other stores of the Gap Family Brands.
  • A very high interest rate.
  • You can redeem the rewards only towards certificates.


💳 Navyist Visa Credit Card

old navy credit card approval status

Annual fee: $0.

Purchase APR: 26.49% variable.

Recommended credit score: from 620 to 850.

CHECK YOUR CREDIT SCORE FOR FREE — NO CREDIT CARD REQUIRED

Most suitable for: customers who regularly shop at Old Navy and want to receive high rewards for it.

Credit card features:

  • Earn 5 points for every $1 spent across the Gap Family Brands (includes Old Navy, Gap, Banana Republic, and Athleta).
  • 20% off your first purchase.
  • Receive a 10% Savings Pass for 60 days.
  • Enjoy access to cardholder promotions, discounts, and special events.
  • Get access to Bonus Point Shopping Days.
  • 20% bonus points every quarter.
  • Enjoy free 3 to 5 business day shipping across Gap Family Brands.
  • Dedicated Navyist Cardholder hotline.
  • Basic alterations on purchases at Banana Republic for free.
  • Special cardholder promotions and offers from Visa.
  • Earn 1 point for every $1 spent anywhere else.

APPLY HERE

Actually, this is the same Visa credit card from Old Navy, but this one features a Navyist status. Just a bit above, you can see the requirements for getting a Navyist status. In short, you need to spend $1,000 in a year at Old Navy or other stores of the Gap Family Brands in order to receive the Navyist status.

All in all, this Navyist Visa credit card is basically same as the one we have reviewed above. But in addition to that, you will also receive 1 reward point for every $1 spent elsewhere than the Gap Family Brands stores. And, apart from that, you will also receive special features and promotions from Visa, which are extremely beneficial for many customers.

Verdict:

As you could understand from this Old Navy credit card review, this is the most premier credit card from Old Navy. But we don’t recommend you to use this credit card anywhere else than the Gap Family Brands stores anyway.

Pros:

  • No annual fee.
  • 6% reward rate on purchases at Old Navy and other stores of the Gap Family Brands.
  • 20% discount off your first purchase
  • Plenty of additional benefits.
  • Free 3-to-5-day standard shipping at all stores of the Gap Family Brands.
  • Additional benefits from Visa.


Cons:

  • A very low reward rate on purchases made beyond the Gap Family Brands stores.
  • A very high interest rate.
  • You can redeem the rewards only towards certificates.


🏦 Old Navy Credit Card Login

Once you have got a credit card from Old Navy, you can sign up for online banking. That will allow you to check your rewards or standing balance from time to time. But in order to do that, you have to make an Old Navy credit card login and access your card account online. In this part of the review, we will show you how to do it.

  • In the first place, you have to open your browser and click on the following button:

OPEN URL

  • Once you have got to see a page of Synchrony Bank, you will notice an online banking form that is placed on the left – that’s the place where you can make an Old Navy credit card login.

old navy credit card login

  • Start typing your username in the first field of that online banking form.

old navy credit card payment

  • Then, you should enter your password in the second field of that form.

pay old navy credit card

  • You are also able to check the button next to “Remember User ID,” and this will allow you to save your username for future sessions.

old navy credit card pay

  • After all, you can click on the “Secure Login” button and log in to your credit card account. In a moment, you will be able to do the things you wanted with your Old Navy card account.

💵 Old Navy Credit Card Payment

Obviously, you also need to make payments on your Old Navy card from time to time. As of the present time, there are three ways how you can pay Old Navy credit card. We will disclose all the three ways in this part of our Old Navy card review.

The easiest and most convenient way to pay your Old Navy card is to do so via online banking. For this, you should follow the guidelines from the previous section and log in to your Old Navy card account online. There, you will be able to pay your card with ease.

Another way how you can pay your Old Navy card is to do so by phone. You can do that by calling 866-450-5294. Following it, you will have to follow the instructions from the operator and make a payment on your credit card.

After all, you can also send your Old Navy card payment by mail. For that, you have to mail your payment to the following address:

Old Navy Payments

P.O. Box 530942

Atlanta, GA 30353.


📑 Apply for Old Navy Credit Card

If you haven’t got a credit card from Old Navy yet but you want to get one after reading this review, you may consider to submit an Old Navy credit card application. As you can see, you can complete the entire application process online, and we will show you how to do it at this point of our article.

  • The first thing you have to do is to launch your browser and click on the following button:

APPLY HERE

  • On the website of Old Navy, you will get to see an advertising of the Old Navy card. At that point, you should click on the “APPLY NOW” near it.

old navy credit card payment online

  • Right after doing so, you will get to see an application form. Start filling out that application form and provide all necessary information.
  • Once that form is filled in, you can proceed further and click on the “Continue” button.

old navy credit card application

  • On the next page, you should select a type of credit card you want to get from Old Navy (either a Visa card or a usual store card). Then, click on the “Continue” button again.

old navy credit card rewards

  • Eventually, you will get to see the page that will contain the results of your application. If there are no results yet, the bank may need a few days to consider your application.

📌 FAQ

Q: Where can I use my Old Navy credit card?

As we have pointed out in this Old Navy credit card review, this depends on a type of your Old Navy card. If you have a store or Navyist card that is not connected to Visa, you can use them only at Old Navy, Gap, Banana Republic, and Athleta stores. But if you have a Visa credit card (regardless whether it is Navyist or not), you can use it anywhere you want.


Q: What bank issues Old Navy credit card?

Synchrony Bank, one of the largest credit card issuers in the U.S., issues credit cards for this store. Apart from that, there are plenty of other Synchrony credit cards, available on our website.


Q: What stores can I use my Old Navy credit card at?

As we have pointed out, this depends completely on what type of a credit card from Old Navy you have. If you have a Visa credit card, you can use it anywhere you want. If you have a usual store branded credit card (regardless whether it is Navyist or not), you can use it only at the stores of the Gap Family Brands: Old Navy, Gap, Banana Republic, and Athleta.


Q: What does your credit score have to be to get an Old Navy card?

Even though there are no exact requirements regarding the credit score, we recommend you to have a credit score of no less than 620 (or fair). However, that is not a guarantee that you will get this credit card.

CHECK YOUR CREDIT SCORE FOR FREE — NO CREDIT CARD REQUIRED


Q: How hard is it to get an Old Navy credit card?

As we have pointed out in the answer to the previous question, you should have a credit score of at least 620. This, however, doesn’t guarantee you being awarded this credit card. So, even though it is not that hard to get this credit card, it might be not that easy either.

CHECK YOUR CREDIT SCORE FOR FREE — NO CREDIT CARD REQUIRED


Q: When is the best time to get an Old Navy credit card?

We recommend you to wait for getting a credit card from Old Navy until you need to make big purchases in this chain of stores. Since the credit card gives you a 20% discount on your first purchase, that would be a pretty good deal and this will allow you to save a large sum of your money.


Q: How to apply for Old Navy credit card?

You can submit an application for this credit card completely online. For exact details how to do it, please follow to the guidelines from the “Application” section of this review.


Q: How long does it take for Old Navy to mail credit card?

After being approved for an Old Navy card, it may take from a few days to a few weeks for your credit card to arrive in your mail.


Q: How to activate Old Navy credit card?

You can activate your Old Navy credit card by heading to our “Login” section and clicking on the button there. Then, you have to click on the “Register” button beneath the online banking form and get started there.


Q: How to pay Old Navy credit card?

There are several ways how you can pay your Old Navy card. First of all, you can do it online – follow the guidelines from the “Login” section of this review for that. Another way to make a payment on your Old Navy card is to call 866-450-5294. After all, you can mail your payment to the following address:

Old Navy Payments

P.O. Box 530942

Atlanta, GA 30353.


Q: Where do I send my Old Navy credit card payment?

As we have pointed out in the answer to the previous question, you should mail your payment to the following address:

Old Navy Payments

P.O. Box 530942

Atlanta, GA 30353.


Q: How do I get cash advances from my Old Navy credit card?

You can get a cash advance from an Old Navy card only if you have a Visa card. In such a case, you can get a cash advance literally from any ATM.


Q: What is interest of purchase Old Navy credit card?

As we have pointed out in this Old Navy credit card review, the interest rate of any Old Navy card currently stands at 26.49%.


Q: How to get free shipping when using your Old Navy credit card?

You can get free shipping with the Old Navy card only if you have a Navyist status. Once you have obtained this status, you should enter the “NAVYIST” code at the check-out. Then, your goods will be delivered for free.


Q: How to find out my total on Old Navy credit card?

For that, you should simply log in to your Old Navy card account. For this purpose, please stick to the guidelines from the “Login” section of this review. There, you will get to see your current balance and rewards.


Q: Do you get 10% off when you use your Old Navy credit card?

At the time of writing this article, the discount you get with the Old Navy card stood at 20%. In order to take advantage of this discount, you must make your first purchase (with this credit card) at an Old Navy store within 90 days after opening your account. Therefore, we don’t recommend you to open this credit card until you plan to buy something big at Old Navy.


Q: How does an Old Navy credit card help credit?

Your credit rating will improve in case you pay your card responsibly and on time. But if you tend to have frequent late payments, your credit score will definitely be lowered.


Q: Old Navy card: How much does it charge when you miss a payment?

The bank will charge you a fee of up to $38 for a late payment.


Q: What happens if I close an Old Navy credit card?

This will definitely worsen your credit score. Therefore, you may consider keeping this credit card closed in a safe or elsewhere locked and in good standing. If Old Navy closes the card on its own, this will affect your credit score not as badly.


Q: How to deactivate Old Navy credit card?

There is only one way to deactivate your credit card from Old Navy: you should call 855-662-2693 for that purpose.


Q: How to close Old Navy credit card?

As we have pointed out in the answer to the previous question, you can do it only via a phone call. For that, you have to call 855-662-2693 and follow the guidelines from the operator.


Q: How to cancel Old Navy credit card?

As you can read above, this is possible by calling 855-662-2693.

Old Navy Credit Card
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