Old Navy Credit Card: A Guide to Benefits, Features, and Application

If you’re a frequent shopper at Old Navy or other Gap Inc. brands like Gap, Banana Republic, or Athleta, the Old Navy Credit Card might be a smart addition to your wallet. Whether you’re looking to earn rewards, get exclusive discounts, or access special cardholder perks, this credit card offers several advantages. In this guide, we’ll cover everything you need to know about the Old Navy Credit Card—its features, benefits, how to apply, and things to consider before signing up.

What is the Old Navy Credit Card

The Old Navy Credit Card, issued by Barclays (previously by Synchrony Bank), is designed for loyal customers of Old Navy and its affiliated brands. It comes in two versions:

Old Navy Store Card: Can only be used at Old Navy and its affiliated stores (Gap, Banana Republic, Athleta, and Hill City).

Old Navy Visa Card: Can be used anywhere Visa is accepted and offers broader rewards on everyday purchases.

Key Features and Benefits

Reward Program

The Old Navy Credit Card is part of the Navyist Rewards Program, which offers points for every dollar spent:

5 points per $1 spent at Old Navy and affiliated brands.

1 point per $1 spent (Visa version) on all other purchases.

Earn 500 points = $5 reward.

Once you accumulate 500 points, you receive a $5 reward certificate that can be used toward future purchases at participating stores.

Welcome Bonus

New cardholders often receive a special discount (like 20% off) their first purchase using the card, although the exact offer may vary during promotions. Check the latest offer at the time of application.

Extra Perks and Offers

Cardholders can enjoy:

Early access to sales and special events.

Birthday gift or bonus points during their birthday month.

Exclusive cardholder-only promotions and offers.

No Annual Fee

Both the Old Navy Store Card and the Old Navy Visa Card come with no annual fee, making them a budget-friendly option for earning rewards without added costs.

How to Apply for the Old Navy Credit Card

Applying is simple and can be done online or in-store. Here’s what you’ll need:

A valid government-issued ID.

Social Security number or ITIN.

A good credit score (typically 670 or higher is recommended for approval).

To apply online:

Visit the official Old Navy or Barclays website.

Fill out the application form with your personal and financial information.

Submit and wait for instant approval (in most cases).

Who Should Consider the Old Navy Credit Card

This credit card is best suited for:

Frequent Old Navy shoppers who want to maximize their purchases.

Individuals who regularly shop at Gap Inc. brands.

People looking for a no-annual-fee rewards card for clothing purchases.

Shoppers who can pay off their balances in full each month to avoid interest charges.

Things to Keep in Mind

High APR

Like many retail cards, the Old Navy Credit Card comes with a high variable APR (typically around 28% or more). Carrying a balance month-to-month can quickly outweigh the benefits of rewards.

Limited Use (Store Card)

The Store Card can only be used at Old Navy and its affiliated brands. If you’re looking for more flexibility, the Visa version is a better option.

Rewards Expiration

Reward certificates may have expiration dates, so be sure to use them promptly after receiving them to avoid losing value.

Managing Your Old Navy Credit Card

Once approved, you can manage your card through the Barclays online portal or mobile app, where you can:

Check your balance.

Make payments.

Track rewards.

Set up alerts and payment reminders.

Timely payments not only help you avoid interest and fees but also contribute positively to your credit score.

Alternatives to the Old Navy Credit Card

If you’re looking for broader rewards or lower APR, consider these alternatives:

Cash-back credit cards (like Chase Freedom Unlimited or Citi Double Cash).

General rewards cards with rotating bonus categories.

Store cards from other clothing retailers with more flexible usage.

These options may offer more value if you don’t shop at Old Navy or its partner stores often.

FAQs

How does the rewards program work?

For every $1 spent at Old Navy and affiliated stores, you earn 5 points. On the Visa card, purchases elsewhere earn 1 point per $1. When you collect 500 points, you get a $5 reward certificate to use on future purchases.

What is the interest rate on the Old Navy Credit Card?

The card typically has a high variable APR, often around 28%. This means if you carry a balance, interest charges can add up quickly. It’s best to pay your balance in full every month to avoid interest.

Can I use the Old Navy Store Card outside of Old Navy stores?

No. The Store Card can only be used at Old Navy, Gap, Banana Republic, Athleta, and Hill City stores. If you want more flexibility, the Old Navy Visa Card can be used anywhere Visa is accepted.

How can I check my Old Navy Credit Card balance?

You can check your balance online by logging into your account on Barclays’ website or using their mobile app. You can also call customer service for assistance.

What should I do if my Old Navy Credit Card is lost or stolen?

Contact Barclays customer service immediately to report a lost or stolen card. They will freeze your account to prevent unauthorized charges and issue a replacement card.

How do I redeem my rewards points?

Once you reach 500 points, you will receive a $5 reward certificate via email or mail. Use this certificate toward purchases at Old Navy and affiliated stores. Be sure to check the expiration date on your rewards.

The Old Navy Credit Card is a great choice for frequent shoppers who want to earn rewards and save on clothing purchases. Understanding how the card works—from rewards to fees—can help you make the most of it. Always pay attention to the interest rates and try to pay your balance in full to avoid extra charges. If you still have questions about the Old Navy Credit Card, feel free to ask or visit the official Old Navy website for the latest details.

To Conclude

The Old Navy Credit Card can be a valuable tool for loyal customers of Old Navy and Gap Inc. brands. With its generous reward points, exclusive offers, and no annual fee, it’s ideal for frequent shoppers. However, the high interest rate and limited use of the Store Card are important considerations. As with any credit card, it’s crucial to use it responsibly—pay off your balance in full each month and keep track of your rewards.

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