If you’re a frequent Old Navy shopper or love scoring great deals on fashion, the Old Navy Credit Card could be your perfect retail companion. Issued by Barclays, this store-branded credit card comes packed with rewards, exclusive discounts, and special financing options. But is it really worth adding to your wallet?
In this guide, we’ll dive deep into what the Old Navy Credit Card offers, how it compares to similar cards, and how you can maximize every purchase. Whether you’re shopping for back-to-school outfits or upgrading your wardrobe, this card could help you do it smarter and cheaper.
What is the Old Navy Credit Card?
The Old Navy Credit Card is a store-branded card available in two versions:
-
Old Navy Store Card – Can only be used at Old Navy, Gap, Banana Republic, and Athleta.
-
Old Navy Visa Card – Can be used anywhere Visa is accepted, in addition to Old Navy and its sister brands.
Both cards are managed by Barclays and offer rewards through the Navyist Rewards Program.
Key Benefits of the Old Navy Credit Card
Here are the top reasons U.S. shoppers love the Old Navy Credit Card:
-
Earn 5 points per $1 spent at Old Navy, Gap, Banana Republic, and Athleta
-
Earn 1 point per $1 everywhere else (Visa version only)
-
$5 reward for every 500 points earned
-
20% discount on your first purchase after account opening
-
Early access to sales and special offers
-
Birthday surprise offers
-
No annual fee
These benefits make the Old Navy Credit Card a compelling option for loyal brand shoppers.
How to Apply for the Old Navy Credit Card
Applying for the Old Navy Credit Card is simple and can be done online through the official Old Navy website or in-store.
Requirements to Apply:
-
Must be at least 18 years old
-
U.S. resident with a valid Social Security Number
-
Fair to good credit score (typically 640+)
Approval decisions are usually quick, and you may even receive a temporary card for same-day use.
Old Navy Credit Card vs. Competitors
Here’s a comparison of the Old Navy Credit Card vs. other popular store cards:
| Feature | Old Navy Credit Card | Target RedCard | Kohl’s Credit Card |
|---|---|---|---|
| Rewards Rate | 5x points at brand stores | 5% off every Target purchase | Extra 30% off select offers |
| Use Outside Store | Visa version only | No | No |
| Welcome Bonus | 20% off first purchase | None | Yes, occasional promo |
| Annual Fee | $0 | $0 | $0 |
| Birthday Rewards | Yes | Yes | Yes |
Tips to Maximize the Old Navy Credit Card
To get the most out of your Old Navy Credit Card, consider the following strategies:
-
Use during sales – Combine your rewards with Old Navy’s frequent sales and clearance deals.
-
Shop across all Gap Inc. brands – Your rewards points accumulate faster when you shop at Old Navy, Gap, Banana Republic, and Athleta.
-
Pay in full monthly – Avoid high interest rates by paying your balance in full each month.
-
Use Visa version for gas and groceries – Earn 1 point per $1 on everyday spending if you have the Visa variant.
-
Track your points – Stay on top of rewards using the Navyist Rewards app or website.
Common Fees and Interest Rates
Like most retail credit cards, the Old Navy Credit Card comes with high APRs. Here’s what you need to know:
-
Regular APR: 30.24% variable
-
Late Payment Fee: Up to $41
-
Returned Payment Fee: Up to $41
-
Cash Advance APR (Visa version): 30.24%
Always read the fine print and be mindful of due dates to avoid unnecessary charges.
Pros and Cons of the Old Navy Credit Card
Pros:
-
Generous rewards for loyal shoppers
-
Exclusive access to sales and promotions
-
No annual fee
-
Visa version adds everyday usability
-
Easy online management
Cons:
-
High APR if you carry a balance
-
Limited to Gap Inc. stores for best rewards
-
Requires fair credit or better for approval
Is the Old Navy Credit Card Worth It?
If you regularly shop at Old Navy or its sister stores, the Old Navy Credit Card is a great way to earn rewards and access exclusive discounts. It’s especially useful if you pay your balance in full each month to avoid interest. However, occasional shoppers or those looking for broader rewards might want to consider a general cashback card.
FAQs About the Old Navy Credit Card
1. Can I use my Old Navy Credit Card anywhere?
If you have the Visa version of the Old Navy Credit Card, you can use it wherever Visa is accepted. The store card version is limited to Gap Inc. stores.
2. How do I redeem Old Navy credit card rewards?
Rewards are automatically issued as $5 reward certificates for every 500 points earned. You can apply them during checkout online or in-store.
3. Does the Old Navy Credit Card help build credit?
Yes. Responsible use of your Old Navy Credit Card (on-time payments and low credit utilization) can help you build a positive credit history.
4. How do I contact Old Navy credit card customer service?
For help with your Old Navy Credit Card, you can call Barclays at 866-450-5294 or visit the official Barclays website.
5. What credit score is needed for the Old Navy Credit Card?
Most applicants are approved with a credit score of 640 or higher, although approval depends on multiple factors like income and credit history.
Final Thoughts
The Old Navy Credit Card is a top choice for U.S. shoppers loyal to Old Navy, Gap, Banana Republic, and Athleta. With its robust rewards program, Visa flexibility (for eligible users), and member-only perks, this card can offer serious value when used wisely.
Just be sure to manage your account responsibly and avoid carrying a balance to make the most of your rewards without accumulating debt. Whether you’re shopping for your family or yourself, the Old Navy Credit Card can help you stretch your budget while staying stylish.