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Old Navy Credit Card

old navy credit card
Required Credit Score:
Excellent, Good
2.5 216 reviews   Write a Review!
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Old Navy Credit Card’s Rewards

Bonus
10%
Base Earn
1 point/$1
Max Earn
5 points/$1
Earn / Redeem Limit
No
  • Earn 5 points for every $1 spent at Old Navy, Gap, Banana Republic, Piperlime and Athleta.
  • Earn 1 point for every $1 spent everywhere else you use your card.
  • Get $5 Rewards Card for every $100 you spend at our stores or sites.
  • Get 10% off on your first purchase upon approval.
  • Earn 500 bonus Rewards points if you Go Paperless.
  • Advance notice of new trends and sale events, special birthday offers, exclusive offers and promotions, deals every Tuesday: 10% off at Gap, Old Navy and Piperlime.

Old Navy Credit Card’s Key APRs & Fees

Intro Rate on Purchases
Not Offered
Intro Rate on Transfers
Balance Transfers Not Allowed
Regular Rate
23.99% (V)
  • ANNUAL FEE None

Old Navy Credit Card’s Additional Info

  • MAX LATE FEE   $35
  • MAX OVERLIMIT FEE   None
  • MAX PENALTY APR   None
  • GRACE PERIOD   23 days
  • ONLINE RESPONSE   No
  • CASH ADVANCE RATE 25.99% (V)
  • CASH ADVANCE FEE 4% (min $10)
  • FOREIGN TRANSACTION
    FEE  
    3%
  • SMART CHIP   No
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Old Navy Credit Card Reviews

 
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2.6
Overall Rating: 2.6 / 5
Total Ratings: 216
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Dec 8, 2014
Photo of Rachel R.
4
By:
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!
Nov 19, 2014
Photo of Megan D.
5
By:
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
Nov 11, 2014
Photo of Lewis G.
4
By:
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.
Nov 3, 2014
Photo of Debbie L.
1
By:
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
Oct 20, 2014
Photo of Sherri L.
3
By:
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
Oct 10, 2014
Photo of Leidi A.
5
By:
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.
Oct 2, 2014
Photo of Tony C.
5
By:
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.
Sep 26, 2014
Photo of Jennifer T.
3
By:
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.
Aug 28, 2014
Photo of Nate A.
4
By:
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.
Aug 6, 2014
Photo of Albert C.
3
By:
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.
Jul 29, 2014
Photo of Angie H.
4
By:
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
Jul 17, 2014
Photo of Brian D.
5
By:
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.
Jun 17, 2014
Photo of Branda E.
5
By:
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.
Jun 5, 2014
Photo of Bianca H.
1
By:
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 Amazon.com 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
May 8, 2014
Photo of Emily P.
3
By:
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.
Mar 28, 2014
Photo of Jenifer A.
4
By:
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.
Mar 19, 2014
Photo of Devon S.
5
By:
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
Mar 6, 2014
Photo of Alexandra E.
3
By:
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.

 
Feb 20, 2014
Photo of Dave A.
3
By:
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.
Feb 6, 2014
Photo of Sabira L.
3
By:
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.
Jan 19, 2014
Photo of Celeste M.
3
By:
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
Dec 17, 2013
Photo of Tina M.
3
By:
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
Dec 13, 2013
Photo of Karen C.
3
By:
Dec 13, 2013
I got an Old Navy Card so I could get 10% off my purchase when I was Christmas shopping. I made sure to pay it off quickly to avoid paying interest. The APR on this card is very high, though no higher than my Macy's Card. I like that you can earn points with the card, and if I had a large purchase to make again, I would use it to take advantage of this perk.
Dec 6, 2013
Photo of Jessica N.
3
By:
Dec 6, 2013
The Old Navy card is an OK card. It has pretty high interest rates, and bonuses, but they are minimal. I think it is nice that it is a Visa, which is more widely accepted, but the interest rates are high! They also don’t have promotional periods, which I think is great for a store credit card to have. It does have a 23 day grace period, which is very generous. Especially in this economy, where people sometimes are a little more hard up for cash, and are unable to make the minimum payment on time. Not having to worry about late fees as soon as the due date passes more
Dec 4, 2013
Photo of Alysha H.
2
By:
Dec 4, 2013
What is nice about this card is that it is a Visa and this means that I can use this card at other places than just Gap, Banana Republic, Piperlime and Athleta. When signing up for this credit card, I am offered a 10% discount, which is okay but not great. Macy's offers a 20% discount. Another thing about the Old Navy credit card is that it gives out points upon spending a certain dollar amount. If it takes me 500 points to earn $5 back, then I would have to spend $100 dollars at Old Navy, Gap, Banana Republic, Piperlime or Athleta. Also, if I am using the credit more
Nov 26, 2013
Photo of Dennis W.
2
By:
Nov 26, 2013
This is obviously a store credit card for the Old Navy department store. This means the interest for this card is really high. When you look at the points (Rewards) system, you will not save any money due to the interest rate. If used outside the U.S. they tack on an extra three percent to your total and call it a foreign transaction. A couple good things to note though is there is not an over limit fee for overcharging the card. The second thing to note is when signing up they give a 10% bonus on the first transaction when used.
Nov 22, 2013
Photo of Jay F.
2
By:
Nov 22, 2013
This card has a pretty high interest rate (24%) that I am not comfortable with. They offer a 10% initial bonus if you open an account with them, so this may be appealing and something that people who are big shoppers may want to consider if they plan on spending a large amount at Old Navy. The other advantage to this card is that you can earn reward points at not only Old Navy, but at other Gap stores as well (Gap, Banana Republic, Piperlime and Athleta). You earn 5 points for every dollar spent at these stores so after you spend $100 you qualify for the 500 point/$5 reward more
Nov 19, 2013
Photo of Chris O.
4
By:
Nov 19, 2013
Absolutely loving my Old Navy Credit card. Rewards build quickly and I can also use it at Gap and Banana Republic. The initial bonus was great and helped my rewards build quickly. I tend to shop at these stores frequently so I may as well have their card to give me some bonus points! I've heard of others getting declined for the card but I have pretty decent credit so I got approved without any issue at all.
Nov 11, 2013
Photo of Krystal M.
2
By:
Nov 11, 2013
I'm not too excited about the Old Navy Credit Card. It can also be used at Gap, Banana Republic, Piperlime and Athleta. You need to have pretty good credit to be able to qualify and I think that excludes a lot of their consistent shoppers. Most of them are high school kids and college students who would only qualify for student credit cards with little or no credit. Their 10% initial bonus is about average compared to other store cards. Their reward system is pretty nice, I think its above average compared to other store cards. I do like that they offer card holders advance notice of sales and offer more
Nov 4, 2013
Photo of John L.
4
By:
Nov 4, 2013
If you shop at Old Navy, Gap, Banana Republic, Piperlime or Athleta this is a decent store card. I got the Old Navy credit card about six months ago and I pretty satisfied with it. It's just like any other store card, it has a higher interest rate and a basic rewards program. With an interest rate of 24 percent it's a little lower than my Khols card and the rewards program is about the same dollar for dollar. One thing this card does do that most don't is it's acceptable at multiple stores. With 5 points for every dollar spent you get back a 5 dollar gift card for more
Oct 31, 2013
Photo of John R.
4
By:
Oct 31, 2013
This Old Navy credit card has a generous reward program, especially considering that it allows you to earn points on every purchase, and not just at Old Navy stores. There’s also a bonus for you to go paperless. On the plus side, there’s no annual fee. Unfortunately, the APR is higher than on my Capital One card—which is 18%, compared to 23.99%. Meanwhile, the card is reserved for people with good or excellent credit. Although there’s a 10% bonus, there’s no introductory APR. The store sends you advance notices of upcoming sales, making this a great card for fans of Old Navy.
Oct 18, 2013
Photo of Thomas B.
3
By:
Oct 18, 2013
This is a good deal for someone who's going to spend the money anyway at these places and wants the discount and coupons for members. I wouldn't carry a balance at these APR rates, if you have good credit you can do much better on a Chase card or another like a credit union issued card. I could see it being good if you have kids and shop at these places a lot anyway. The points do add up, as long as the math works compared to shopping around. I can see the appeal to some families or cloth hounds, I personally like the 1% cash back cards on everything, more
Oct 15, 2013
Photo of Abby L.
2
By:
Oct 15, 2013
The Old Navy credit card is mainly good if you shop there a lot. If you do not shop at old navy, then you can skip this credit card. You will not get any bonus or cash back when you have this credit card. You will just get some discounts in the mail and some online too. Old Navy basically has a sale every weekend, so there not really a good reason to open this credit card. Only get this if you really think that you can save money at old navy. If not then, you might as well skip it and get something better, like the amazon credit card more
Oct 8, 2013
Photo of Dan G.
3
By:
Oct 8, 2013
The Old Navy Visa card is a store specific card among a lot of similar ones for niche people. This card has some perks, but also is pretty generic when compared to other cards that are like this one. The feature that stands out to me the most is the fact you get 5 cents per dollar back on select clothing stores, and birthday deals, but other than that this is just your average card. A card I would recommend instead is the Amazon CC, not only do you get better cash back options, you don't have to just shop at a select few stores to get a decent incentive more
Oct 4, 2013
Photo of Jon S.
3
By:
Oct 4, 2013
The bonus rewards points awarded for purchases on the Old Navy Credit Card rack up quickly if you are a regular shopper at Old Navy or their affiliates. Also, if you go with their paperless program (which many people choose to do anyways), you automatically reach the first milestone for rewards. The rates and fees for this card, unfortunately, are fairly standard for a store credit card. Overall, though, I would say this is a decent card for anyone that really likes shopping at Old Navy or the Gap, but otherwise it is out-shined by other cards on the market today.
Sep 26, 2013
Photo of Ben M.
4
By:
Sep 26, 2013
The Old Navy Credit Card is pretty good for a store card. You can get 5% back not only at Old Navy, but the other stores within their chain such as Gap, Banana Republic, Piperlime and Athleta. Rewards start at $5 coupons for every $100 spent, so the rewards are easy to obtain too. They also have a $10 bonus when you decide to go paperless with your statements which is really nice, most credit card companies don't give you any benefit for doing something that saves them money. You can also use this card anywhere which is nice too. It only gives 1% back on your every day purchases, more
Sep 25, 2013
Photo of Timpani P.
1
By:
Sep 25, 2013
The Old Navy store card is so easy to sign up for, for a very good reason. Within a week, I had received my card and was told that I needed to pay shortly for what I had charged at the store. I had a $30 late fee slapped on my account to fast my head was spinning, on a balance that was only $20 itself! I paid that payment, lost another bill envelope, and then ANOTHER $30 late fee shows up. I signed up to pay online and paid off the balance. A $1.13 fee shows up out of nowhere on a balance that had been $0. I made more
Sep 25, 2013
Photo of Brook M.
4
By:
Sep 25, 2013
This card is a great choice for anyone who shops at old navy frequently. I use this card to build credit as I only use it when I can immediately pay it off. The interest on the this credit card isn't too bad but it isn't the greatest either. So long as you keep on top of your payments you should have no issue with that though. I also like that when I am doing my regular shopping now I can use the card to gain points and reward, I would say that aspect is the most attractive part of this credit card to me and why I gave it more
Sep 19, 2013
Photo of Tao A.
3
By:
Sep 19, 2013
The Old Navy Credit Card might be a good choice if you can't find anything better and you do a lot of shopping at Old Navy. As a general purpose rewards card, though, there are plenty of better cards out there. The interest rate on this is pretty high, especially for a card that requires "Excellent" or "Good" credit ratings. There's no reduced intro rate. The rewards come out to 5% for shopping at Old Navy, which is pretty standard on a rewards card, but 1% everywhere else isn't worth it. The thing that makes me give this card 3 stars instead of 2 is the 10% discount at Old more
Sep 10, 2013
Photo of Sarah C.
2
By:
Sep 10, 2013
I love to shop at Old Navy, but I don’t know that I would apply for this card based on what I am seeing here. I like that there is no annual fee and that there are member benefits for shoppers. But the interest rate is quite high. Being rewarded with $5 for every $100 I spend at Old Navy doesn’t seem worth the interest rate to me. There are many companies who will give the same rewards just by joining their free loyalty program, like Michael’s Crafts for example. While it is nice that there is a discount associated with using the card, it is restricted to Tuesdays, which more
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Last updated on: Dec 8th, 2014 at 9:21 EST