Old Navy credit card review | finder.com

Old Navy Credit Card review

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

Old Navy Credit Card

Earn a 5% rewards rate at select Gap Inc. brands.

  • Get this card if you’re a frequent shopper in the Gap Inc. network, which includes Old Navy.
  • Pick something else if you rarely shop in the Gap Inc. network.
  • You may qualify with fair credit. However, you’ll have much better odds with a good to excellent credit score of 670 or higher.
Product NameOld Navy Credit Card
Card TypeVisa
Annual Fee$0
Purchase APR27.24% variable
Intro Purchase APR


Intro Balance Transfer APR


Cash Advance Rate29.24% variable
Foreign Transaction Fee3% of the transaction value
Cash Advance Fee$10 or 4% of the cash advance amount, whichever is greater
Cash Advance Fee DescriptionOnly applicable if you're approved for the Visa version of the card
Interest Free PeriodUp to 23 days
Late Payment FeeUp to $38
Minimum Age18 years of age
Rewards5x points at Gap, Inc. brands and 1x points on all purchases if approved as a Visa cardholder
Base Rewards1x points

The basics

The Old Navy Credit Card is a smart choice if you’re a frequent shopper at select Gap Inc. brands — which include Old Navy, Gap, Banana Republic, Athleta among other retailers.

You’ll earn a strong 5% rewards rate on spending at these brands, in-store and online.

After you apply, Synchrony Bank checks your credit profile. If you qualify, you’ll receive the Visa version of the card. You can use this wherever Visa is accepted, earning an additional 1x points outside of Gap Inc. brands.

Otherwise, you’ll receive the Old Navy Credit Card, which you can use only within the Gap Inc. network.

Another store credit card

Target REDcard™ Credit Card

  • Get a coupon for $35 off a $70+ qualifying purchase when you are
  • approved for a debit or credit REDcard in-stores and at Target.com between
  • 5/19/19–6/15/19. The coupon will be mailed to approved cardholders with
  • their REDcard and will be valid through July 20, 2019
  • $0 annual fee
  • Save 5% on purchases at Target stores and Target.com
  • Early access to special events, products and promotions
  • 10% off coupon on your card anniversary
Read less
Read more

The perks

  • No annual fee.
    A $0 annual fee helps you get more value out of your rewards.
  • Signup bonus: 20% off on your first purchase with your Old Navy Credit Card.
    This offer is valid up to 90 days after your account open date. Use it at the Old Navy website.
    • Signup bonus: 10% off Welcome Shopping Pass for 60 days.
      For the first 60 days after account opening, you’ll qualify for 10% off all purchases at eligible Gap Inc. stores.
  • Rewards: Up to 5x points.
    Earn 5x points on spending at Gap Inc. brands, including Gap, Old Navy, Banana Republic and Athleta. This gives you an excellent 5% rewards rate. If you have an Old Navy Visa Card, you’ll earn 1x points when you use your card outside Gap Inc. brands. This isn’t a spectacular rate, so consider using your card for this only if you’re shooting for Navyist status. Plenty of cashback cards offer better rewards

How points redemption works

Your points are automatically redeemed each billing cycle. When you earn 500 points, you’ll receive a $5 Reward.
For example:

  • If you earn 1,000 points in a billing cycle, you’ll receive a $10 Reward.
  • If you earn 2,700 points in a billing cycle, you’ll receive a $25 Reward and 200 points will carry over to the next billing cycle.

Redeem Rewards at eligible Gap Inc. stores.

You’ll also like …

  • Cardmember benefits. Receive special offers throughout the year. Also, get presale access to select sales.
  • Work toward Navyist status. If you earn 5,000 points in a calendar year, you’ll reach Navyist status. Your card will be upgraded to The Navyist Card. This status tier includes a 20% boost in reward points each quarter, free shipping on eligible online orders, complimentary basic alterations on Banana Republic purchases and a priority customer service line.
  • Earn up to 1,000 points by opting in for Gap Inc. promotional emails. Do this after you receive your Old Navy Credit Card account number. Earn 500 points by entering your email address. Earn another 500 points by opting in to paperless billing.

What to watch out for

  • You may receive the Old Navy Visa Card or Old Navy Credit Card. You’ll receive one or the other depending on your credit profile. Synchrony Bank, the issuing bank of this card, will decide after you apply.
  • High APR. Regardless of which card you get, there’s a 27.24% variable APR for purchases. If you plan on carrying a balance, the Old Navy Credit Card might not be the best choice. Consider a card with a lower purchase APR.

How does credit card interest work?

Compare store credit cards

Name Product Filter values Annual Fee Purchase APR Recommended Minimum Credit Score
24.9% variable
A no-annual-fee credit card and discounts when you shop at Target.
See terms
See issuer's website
Build your credit history with low monthly payments.
See terms
See issuer's website
Get access to purchase items in the Fingerhut store with no overlimit fees.
Get a $500 credit limit to make purchases on the Horizon Outlet website.
Build your credit history with an unsecured line of credit.

Compare up to 4 providers

Bottom line

You may receive the Old Navy Credit Card or Old Navy Visa Card. Don’t be discouraged if you don’t receive the latter. It offers the same rewards within the Gap Inc. network and its other rewards are so-so.

You might want to check out other store credit cards. Also, consider rewards credit cards, which could offer strong points, miles or cash back.

Frequently asked questions

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site