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Old Navy Credit Card

old navy credit card
Required Credit Score:
Good
2.5 232 reviews   Write a Review
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.
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Old Navy Credit Card’s Rewards

Bonus
15%
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 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

Intro Rate on Purchases
Not Offered
Intro Rate on Transfers
Balance Transfers Not Allowed
Regular Rate
24.99% (V)
  • ANNUAL FEE None

Old Navy Credit Card’s Additional Info

  • MAX LATE FEE   $38
  • MAX OVERLIMIT
    FEE  
    None
  • MAX PENALTY APR   None
  • GRACE PERIOD   23 days
  • ONLINE RESPONSE   No
  • CASH ADVANCE
    RATE
    26.99% (V)
  • CASH ADVANCE
    FEE
    4% (min $10)
  • FOREIGN
    TRANSACTION FEE  
    3%
  • SMART CHIP   Yes, chip-and-signature
Apply Now
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Old Navy Credit Card Reviews

 
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1 2 3 4 5
 
2.6
Overall Rating: 2.6 / 5
Total Ratings: 232
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Aug 3, 2015
Photo of Arnie A.
3
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.
May 24, 2015
Photo of Sarah B.
5
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.
May 18, 2015
Photo of Michelle E.
3
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.
May 12, 2015
Photo of Anna L.
4
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!
Apr 30, 2015
Photo of Matt H.
2
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.
Apr 16, 2015
Photo of Shawn U.
3
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?!
Mar 27, 2015
Photo of Melody L.
1
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
Mar 16, 2015
Photo of Elizabeth K.
1
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
Mar 12, 2015
Photo of Dawn L.
4
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.
Mar 11, 2015
Photo of Mercedes W.
2
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
Feb 25, 2015
Photo of John S.
3
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!
Feb 9, 2015
Photo of Quincy L.
3
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
Jan 20, 2015
Photo of Laura H.
4
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
Dec 8, 2014
Photo of Rachel R.
4
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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Apr 21, 2015
Photo of Lynn C.
Apr 21, 2015
Can you look up my old navy credit card while shopping at old navy if I don't have it on me
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Last updated on: Aug 3rd, 2015 at 11:16 EDT