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Old Navy Credit Card

old navy credit card
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Info about the Old Navy Credit Card has been collected by CardHub to help consumers better compare credit cards. The card issuer did not provide the details.
Existing Cardholders
Change my rating to: Excellent

Old Navy Credit Card’s Rewards

15% discount
Base Earn
1 point / $1
Max Earn
5 points / $1
  • Earn 5 points for every $1 spent at Old Navy, Gap, Banana Republic and Athleta.
  • Earn 1 point for every $1 spent everywhere else you use your card.
  • Get $5 Rewards Card for every 500 points you earn.
  • Get 15% off on your first purchase upon approval.
  • Earn 500 bonus Rewards points if you Go Paperless.
  • Earn 500 bonus rewards points when you sign up for email updates.
  • Reach Navyist status by earning 5,000 points in a calendar year and you’ll have access to exclusive extras.

Old Navy Credit Card’s Key APRs & Fees

Purchase Intro APR
Not Offered
Transfer Intro APR
Balance Transfers Not Allowed
Regular APR
25.24% (V)

Old Navy Credit Card’s Additional Info

  • MAX LATE FEE   $37
  • GRACE PERIOD   23 days
    27.24% (V)
    4% (min $10)
  • SMART CHIP   Yes, chip-and-signature
Apply Now
at Synchrony Bank ’s
secure site

Customer Questions and Answers

Don't see what you're looking for? Submit your question about Old Navy Credit Card to our community.

Can they look up my Old Navy credit card if I don't have it on me?

Photo of Card H.
Dec 29, 2015
Yes, an associate in the store will be able to look up that info for you. Just make sure you have your ID handy, as it will be required to verify your identity. Best of luck!
14 Votes 20 6

How to withdraw cash?

Photo of Card H.
Dec 4, 2015
You can do so at any ATM if you have your cash advance PIN. If you don’t have a PIN, you will need to call customer service (1-877-222-6868) to request one. With that being said, we advise against performing a cash advance if you can help it, as such transactions are very expensive with credit cards.

The Old Navy Visa charges a fee of $10 or 4% of the amount withdrawn, whichever is greater, and the cash advance APR applies immediately. It’s also important to note that the Old Navy Store Card (without the Visa logo) does not allow cash advances. You can learn more about how cash advances work more
8 Votes 10 2

How long does it take to get approved?

Photo of Card H.
Feb 17, 2016
You should receive an approval decision instantly, but in some cases it can take 10-14 business days. You can find more information here: . Best of luck!
1 Votes 3 2

Customer Reviews

Share your insights and review the Old Navy Credit Card.

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2.7 out of 5

254 reviews
Photo of Card H.
Feb 22, 2016
The Old Navy Credit Card is an excellent offer for anyone who loves to shop at its namesake. This powerful piece of plastic provides a 15% discount on your first purchase at; gives you 5% off all other purchases at Old Navy, Gap, Banana Republic and Athleta; and doesn’t charge an annual fee. That’s pretty much all you need to know, as long as you’re aware that you’ll need at least good credit to get approved.

You can learn more about this rewarding retail card, including how it compares to the store-only version for fair credit, in our full Old Navy Credit Card review: . more
Photo of Heather S.
Dec 13, 2015
Applying for this card in store was super easy, and it's a great card as long as you plan on paying off your balance each month. Otherwise, it's high interest rates and negates your in store savings (usually 15-30% each month). The rewards are great though, offering 5 points for every dollar spent. I highly recommend this card if you frequently shop at Old Navy, Gap and Banana Republic.
Photo of Adrienne H.
Oct 26, 2015
I think this Old Navy credit card is a great deal. The 5 points for every $1 spent is amazing. It's not hard at all to think of spending $500, and getting the Rewards Card. Plus then just sign up for emails and the paperless option, and there's another $10 to use at their stores. I also like that there's a rather low maximum limit for the late fee, as I'm sure we all have had a late payment from time to time. The 23 day grace period is also a great plus for this offer.

The reason I didn't give 5 stars is that I think the cash advance more
Photo of Linda M.
Oct 12, 2015
I so regret the day I bothered with this company, and this credit card. To be short, they are charging me over $170 for $47 worth of merchandise. Incorrect late fees, not acknowledging returns or payments. I've had it, never again.
Photo of Robin S.
Aug 25, 2015
This is one of the few credit cards that give you usable rewards on a regular basis, based on your spending. You do need to use the rewards money at Old Navy/Gap/Banana Republic though. So, if you don't shop there enough, it's not worth it. The variable rate is what makes this card only 3 stars - it's typically 24.99% despite credit rating. I've called for reductions and they flat out won't do it. Also, when you are using the rewards cash, they now make you pay WITH your credit card. They used to let you use a debit card or cash. Not any more.
Photo of Arnie A.
Aug 3, 2015
The card has some advantages, but you really need to shop a lot at Old Navy, Banana Republic, and/or the Gap. No overlimit fee, but the variable rate is now at 24.99%, so it's best to pay it off at the end of the month. Cash advances are available, but that rate is even higher.
Photo of Sarah B.
May 24, 2015
Awesome card - no fees and for every dollar you spend you earn points to redeem for cash! The store runs great sales and there are lots of card holder exclusive deals that are worth getting the card for even if you don't use it! I LOVE that you can also use this card at mutiple stores like The Gap and Banana Republic. I would recommend this card to anyone who shops at Old Navy or wants a nice store card for special clothing or gift purchases.
Photo of Michelle E.
May 18, 2015
Unless you frequently shop at Old Navy, this is just a run of the mill credit card. You do get a little bit of rewards (1% back if not at Old Navy) but nothing that really sets the card out from the rest of cards available. All in all, if you're a frequent shopper of Old Navy or affiliated brands, this card would probably be worth it for the rewards you get from shopping in their stores. Otherwise, I say go with a card that offers higher rewards/cash back.
Photo of Anna L.
May 12, 2015
I've had an Old Navy credit for almost ten years. I would say it's a must have for anyone that shops frequently at Old Navy, or even Gap stores. When shopping online you can use this credit card not only for Old Navy, but also it's partners Gap and Piperlime. One of the best things about this card is the store discount you get, as well as almost monthly coupons with between 15% and 30% off any purchases paid for with your card. The interest rate is a bit high but if you plan to pay off this card every month you really have nothing to lose!
Photo of Matt H.
Apr 30, 2015
The Old Navy Credit Card is actually pretty nice for people that shop at Old Navy and it's affiliated stores frequently. I would recommend this card to people that already frequently shop at these stores because it would essentially save them money without having to change shopping habits. However, as an everyday credit card I would not recommend it instead I would recommend the Wells Fargo cash back card because you can get up to 5% cash back on everyday purchases.
Photo of Shawn U.
Apr 16, 2015
My wife and I had this Old Navy Credit Card for awhile but is seems that the APR has goon up a bit. The points that you get from spending are always great. If you are a person that loves Old Navy than this is probably a card that you should get. of course any card is great as long as you pay it on time and don't let the balance sit and accrue interest. You also get a 500 point bonus when you go paperless so why not do that?!
Photo of Melody L.
Mar 27, 2015
The reward program on this Old Navy card are excellent if you are like me and shop there often. The points add up quickly and you get a lot of exclusive offers. The down side is that as soon as they changed from GE bank to Synchrony Bank my APR went up. When I called to complain, I was on hold for over 40 minutes. When I finally got in touch with a manager they told me it was because of my credit history which is a lie because my Apr was lowered a couple of months ago on both of my Chase accounts and my Capital One card. I more
Photo of Elizabeth K.
Mar 16, 2015
I enjoyed my card until Synchrony Bank too over...poor customer service all around. I had been penalized/card frozen for paying off my balance as I used the card, so to prevent further freezes, I made smaller payments to only have my limit reduced. This never happened with GE Capital. I just thought this was a poor way to treat a 10yr + customer. This time when I pay off my balance I will not need to worry as I will not be using my card or shopping with them again. I have found that H & M has similar clothing for my tastes and can compete with Old Navy/Gap and more
Photo of Dawn L.
Mar 12, 2015
This card rates higher than a lot of the department store cards I have had. The points add up quicker and you get points at Gap and Banana Republic, since you get 5 points for every dollar spent. The downside to this card, as with JCPennys and Victoria's Secret cards, is the high apr. If you can use it and pay it off before the next billing cycle, then it can save you some money. Love that this card offers you birthday incentives, unlike the JCPennys card. Overall a good card.
Photo of Mercedes W.
Mar 11, 2015
This card was a good idea a first, but I realized you had no choice on whether you get the store card or the actual credit card. I was approved for the actual credit card. The amount that I was told was off by 1k by the time I actually received the card. I think the good things changed when they switched over to a different financial company. The first thing that got me a bit upset was I have everything pretty much on auto draft. I would have if drafted out to pay 2 weeks before the payment is due, but ON would sometimes clear the payment after it more
Photo of John S.
Feb 25, 2015
I shop at Old Navy and Banana Republic a lot so I decided to get this card in hopes of it reducing some of my costs or adding some value to my typical shopping habits. I enjoy the 23 day grace period and the max late fee is reasonable. 5 points per dollar at participating stores seems to be about the average for this kind of card (thus the 3 stars) and I have racked up quite a bit of points and am happy with the Old Navy credit card so far!
Photo of Quincy L.
Feb 9, 2015
Overview: this card is great if consistently shop at Old Navy and their affiliates. It’s not that useful if you rarely buy clothes.
Recommended for parents with kids.

The Pros:
1) Excellent rewards. The $5 per $100 you spend is really good compared to my Chase MasterCard rewards (they change the reward categories every quarter and it’s frustrating).
2) You still earn 1 point per 1 dollar that you spend at different stores.
3) The 500 bonus Rewards for Paperless is great (my Chase MasterCard and American Express do not offer this).

The Cons
1) Mainly beneficial if you shop at lot at Old Navy/affiliates and always need clothes. more
Photo of Laura H.
Jan 20, 2015
The Old Navy Credit Card is a pretty good deal if you're a regular shopper of Old Navy. One trip will get you a lot of rewards points quickly, and the 500 bonus points which they offer for going paperless is a nice initial bonus! The 10% off bonus every Tuesday is a great deal, as well. However, the APR of 23.99% is quite high. As such, I'd recommend only using this card at the stores where it gets the discounts and bonuses, and paying off the entirety of your balance monthly. For use within this limited capacity, this is a great card, particularly for a family. If you avoid more
Photo of Rachel R.
Dec 8, 2014
The Old Navy credit card is great for in-store and online purchases. My favorite feature of this card is its ability to be used at Gap, Old Navy, and Banana Republic. I have enough other cards in my wallet, and it is nice to be able to use one card for many stores. Compared to my other credit cards, the Old Navy credit card carries a higher interest rate, which can be frustrating at times. I guess it's also a good thing because it forces me to pay off my bill promptly!
Photo of Megan D.
Nov 19, 2014
I really enjoy using the Old Navy credit card. I would call it a basic necessity for anyone who has young children and are looking to clothe their ever-growing brood in fashionable and practical outfits. They offer a lot of buying incentives, like free shipping and extra discounts which comes in handy when you are shopping for three kids like I do. Its much easier to order on line for all three then to take them to the store itself! Also, they give you these $5 off coupons when you use the card – that really adds up after a while. As far as customer service is concerned, there was more
Photo of Lewis G.
Nov 11, 2014
The Old Navy credit card is simply a must have for anyone who ever shops at Old Navy because of all of the rewards that it offers. You get all these little seasonal perks around the holiday and the purchases you make at Old Navy count toward reward points. To top that off, the card has a pretty low interest rate and the late fees are reasonable. Overall, this card is a very solid deal and I would recommend it.
Photo of Debbie L.
Nov 3, 2014
Synchrony Bank is the issuer of the Old Navy Credit Card. They're horrible!!!! At first they didn't send statements so I had late fees before I even received a statement. You can't pay in the store. When I paid online something happened in the final processing so I accrued more late fees even though it had shown me a transaction number. Had the same problems with my Sam's Card which was also issued by Synchrony Bank. Closed both accounts. Good Riddance
Photo of Sherri L.
Oct 20, 2014
This card seems like a good card for a "store card". It has very good benefits like $5 reward for every $100 spent, or 1 point for every $1 spent. I wouldn't recommend taking a cash advance on this card though...those rates are pretty high. The regular interest rates are pretty high as well, but if you're like me and pay off the card every month then you don't have to really deal with the high interest rates, but you still get to enjoy the benefits of having the Old Navy Credit Card. And unlike a lot of store credit cards this one isn't only for Old Navy but also more
Photo of Leidi A.
Oct 10, 2014
With the Old Navy credit card I take advantage of all the benefits it gives me. I love the fact that I Earn 5 points for every $1 spent at Old Navy, Gap, Banana Republic, and all three of those stores I love to shop at. Last month I earned over 3000 points and used it for a nice discount on my next purchase. I remember when I applied for the card the cashier told me next time I use the card I will get 500 points just by buying this purchase I was so happy.
Photo of Tony C.
Oct 2, 2014
It's a good card because I can buy what from Old Navy and at the same time in any other store. It's a Visa card. I love it.
Photo of Jennifer T.
Sep 26, 2014
Overall, this card looks ok. The interest rate is reasonable for a "store credit" type of card. The rewards program is appealing, and I like the stated maximum late fee. However, the standard (not tied to a specific store / brand) cards generally offer a much lower interest rate and would likely be the better option. It worries me that there is no maximum penalty APR as this can really hurt someone who is just a little late.
Photo of Nate A.
Aug 28, 2014
The old navy credit card is a great card to have when buying clothes for a child that is constantly growing like mines. I was originally not to high on the old navy credit card because of the grace period, but you can see the rewards near school time when you purchasing clothes for two kids. The savings rack up with no point limit. on rewards. The old navy card isn't perfect, but nice to have around.
Photo of Albert C.
Aug 6, 2014
I like the fact that you are not limited to getting rewards points just at Old Navy with the Old Navy Credit Card. The Cash advance fee is a bit excessive because you will still have to pay back including interest. Most grace periods are 28 days and this card is 23 which doesn't seem like a good deal. I like that you earn bonus points for going paperless. Anything to help the environment is good in my book. I have used the Target Redcard and like that it gives me an instant 5% back in savings and wish more company's would go this route.
Photo of Angie H.
Jul 29, 2014
I like the Old Navy card because I can earn points at Gap, Banana Republic, Athleta, and Piperlime as well. It seems like I receive a rewards certificate pretty much every time I shop. Also, they don't limit the number of rewards you can use in a single transaction, so as long as you accumulate them before they expire, you can have a "free" splurge. Personally, I try not to shop there unless there's a special offer. However, several times a year Banana has 40% off everything with the sale code, and at times when Gap and Old Navy have an offer, you get an extra 5% off with your more
Photo of Brian D.
Jul 17, 2014
Part of the reason I use my Old Navy card is store offers great rewards. I love you can earn points that are converted to dollars that you can spend in the store. Just yesterday I receive an email that I had earned a five dollar certificate good to any purchase. The last time I used one of these certificates I got a Hoodie on sale and actually received 4 cents change. In total I earn 1 point per dollar spent and with all of the shopping I do at Old Navy, it is well worth it.
Photo of Branda E.
Jun 17, 2014
I love my Old Navy credit card, it is easy to use and the interest is not bad. It is an excellent card to have when you have a family to buy clothing for on a regular basis.
Photo of Bianca H.
Jun 5, 2014
It’s hard to find a benefit of having this card when there are so many other Visa’s out there. You get 10% off at Gap, Old Navy and Piperlime on Tuesdays, 5 points for every $1 spent in store and 1 point for purchases where Visa is accepted. That doesn’t justify dealing with a 23.99% interest rate when there are cards out there like the Visa, where you earn points that can be redeemed for cash. You can find coupons online if you want 10% off at Old Navy. I would never recommend applying for their Visa. If you have the Excellent credit required to get this card, apply more
Photo of Emily P.
May 8, 2014
This Old Navy Credit Card doesn't offer me as good a deal rewards-wise as my Visa Travel Rewards Card. This card only offers the equivalent of 1% back through the points system. Conversely, I receive at least 1.5 percent back through the points system of my Visa Travel Card and they don't take on any foreign transaction fees for purchases made abroad. This card tacks on an extra 3 percent.
Photo of Jenifer A.
Mar 28, 2014
I think the Old Navy Credit Card is a great idea for parents who have to shop for teens that grow out of their clothes so fast. You get to save money on the clothes and get rewarded for shopping in your favorite stores. I love that you can collect points and get rewards back for your purchases. The only thing I dislike about this card is that the interest rate is very high and other cards have a much lower interest rate. Other than that I think it's a great way to shop and save.
Photo of Devon S.
Mar 19, 2014
Last year i was looking for a credit card to get, i considered which stores i visit the most. I came across this Old Navy Credit Card. Looking at how many points you get per dollar spent, it's incredible. It makes you feel like you're really earning a lot. However one very good fact about this card is that not only do you get to use it at Old Navy, but Gap, Banana Republic, Piperlime and Athleta. SO AMAZING! You also get 10% off your first purchase, this made me very happy. I am very happy with this Old Navy credit card so far. I love how they tell me more
Photo of Alexandra E.
Mar 6, 2014
The Old Navy Card is an overall good card, but definitely not the best card out there.  My favorite part about the card is that it can also be used at Gap and Piperlime as well. I do not feel that the savings are that great, because they already have great sales and coupons on their website. I also have a Banana Republic card that is quite similar to this as far as the rewards, however, with the Banana Republic Card, the more you spend, the more your savings increase, while the Old Navy card does not do this.

Photo of Dave A.
Feb 20, 2014
All in All this card is pretty average. It doesn't offer any exceptional savings that can't normally be had without the card. The one perk that I keep the card for is that occasionally I do get a few random coupons when shopping that are good for about 25% to 50% off my next purchase. I am not a very frequent old navy shopper so that could be why I rarely seem to save much money with the card.
Photo of Sabira L.
Feb 6, 2014
The Old Navy credit card has no surprising annual fee and can be used at multiple stores. Its credit card is comparable to its sister company credit card Banana Republic. It has no overlimit fee and has no max on bonus points. Its initial bonus is 5% lower than Banana Republics initial bonus. This card can offer lots of saving if you are a frequent Old Navy shopper.
Photo of Celeste M.
Jan 19, 2014
I have been a fan of Old Navy for a long time and finally gave in to getting one of their store credit cards. I was in a rush at the time that I signed up for this and did not pay attention to the interest rate. This card has one of the higher interest rates (23.99%), especially compared to my bank card (no interest rate). I do appreciate that this card does not require an annual fee. Those annual fees usually get me because I forget about them. I also like that this card does not charge an over-the-limit fee. I don’t regret having this card, but will be more
Photo of Tina M.
Dec 17, 2013
This card is only an average store card in my opinion. It has a high rate and you only earn 1 point in their reward program for every dollar spent. You then can cash in those points at 500 for a $5 reward card. This isn't a very exciting rewards plan. On the positive side, there is a 10% savings on your initial purchase. You can also earn points at a higher rate when shopping at Old Navy and their sister stores (5 points for every $1 spent). I could spend $100 at one of these stores and save $5 - not too bad! Overall though, the rate is high more
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Last updated on: Jul 15th, 2016 at 6:27 EDT

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