Old Navy Credit Card Review: Should You Sign Up?

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Old Navy Credit Card Review: Should You Sign Up?

The Old Navy credit card makes buying at Old Navy, and its sister brands, all the more rewarding.

Offering stylish, fashion-forward basics, Old Navy is an iconic clothing brand that caters to the whole family.

Their selection of clothing focuses on wardrobe staples that transcend the seasons, making them a practical go-to brand for a wide range of buyers.

If you count yourself as one of the many Old Navy die-hard shoppers, then the Old Navy credit card, which is issued by Synchrony Bank, might find a rightful place in your wallet.

But is it a practical choice for you? Let’s dive into the details about the Old Navy credit card to understand if it’s worth it or not:

Old Navy Credit Card in a Nutshell

The Visa credit card is a branded Old Navy card that offers benefits every time you transact with the brands under the Old Navy umbrella. That includes Gap, Athleta, and Banana Republic purchases.

The Old Navy credit card is issued by Synchrony. Their website is one of the online portals where you’ll be able to access the Old Navy credit card login.

The Old Navy website (oldnavy.com) also has a dedicated portal for rewards management.

By accessing the facility with your registered card, you’ll gain access to the management dashboard where you can view your points, transaction history, and more.

Minimum Credit Score Necessary

First comes your credit history. The minimum credit score required to get approval for a card account for an Old Navy credit card is a “good” score. Some people got approval with a score between 602 and 670, but it is not guaranteed.

APR and Interest Rates

Old Navy’s card doesn’t charge an annual fee and there is no interest-free introductory period.

Interest rates are extremely high, which can be an issue. Their high APR variable of 28.24%, this rate is above the average when compared to other similar cards. Also, late fees can be as high as $39.


The Old Navy Credit Card’s Benefits

With the Old Navy credit card, you stand the chance to earn points with every valid purchase at Old Navy stores and other The Gap, Inc stores.

Your store card points vary depending on the amount you spend and on the brand you’re buying from.

For every valid transaction, you’re entitled to earn:

  • 5 points for every $1 spent at Gap Inc. and all of its sister brands, whether you purchase in-store or online
  • 1 point for every $1 spent at other qualified merchants that accept Visa credit cards either in-store or online

So, where exactly can you earn 5 points for every dollar you spend? 

Here’s a list of the Old Navy brands that grant the biggest points for each transaction:

  • Old Navy
  • Old Navy Outlet
  • Banana Republic
  • Banana Republic Factory Store
  • Gap
  • Gap Body
  • Gap Outlet
  • babyGap
  • GapKids
  • Gap Maternity
  • Gap Factory Store
  • Athleta

Points are cumulative and can be used towards future purchases from Gap Inc. and its family of brands.

There isn’t a cap on the of points you can earn at a time, and that’s one of the card’s biggest benefits.

On top of the points, it’s also possible to earn a small rebate when you reach a specific point cap.

Every 500 points you earn on a single-receipt purchase also earns you a $5 rebate. This is capped at $50 per transaction.

The card caps the rebate at $250 within a single billing cycle. Any amount you earn in excess will be rolled over to the next billing cycle giving you the benefit of a balance transfer.

For example, if you earn 1,700 points, you earn a $15 rebate and the remaining 200 points will be credited to your next billing cycle.

Points and rebates can be used on all Gap Inc. family brands, including sale items.

Aside from purchases, the ‘s rewards program offers there are other ways you can earn points with your Old Navy credit card.

When you visit the Old Navy credit card website, you’re given the option to sign up for their newsletter, which earns you 500 extra points.

If you decide to go paperless with your billing, you earn another 500 points.

If you spend your points on a purchase and there’s a residual amount left, then you’d have to pay for said amount with an Old Navy credit card.

Any rewards that aren’t redeemed within 2 years of your last purchase from any of the mentioned brands will expire.

Hardcore Old Navy Shoppers Get Extra Benefits

If you’re a frequent Old Navy and Gap family brand shopper, then you might be able to achieve Navyist status by getting the Navyist credit card.

Shoppers who accumulate 5,000 points in a single calendar year are granted this elite status which opens up the opportunity for even more perks and credit card offers. These include:

  • An extra 20% on top of the rewards points you accumulate every 3 months
  • Zero shipping fees on all on-line Gap family website purchases with the special code NAVYIST
  • An exclusive customer support hotline for all your shopping and after-sales concerns
  • Free of charge basic alteration services on all purchases from the Banana Republic. It does not apply to products made of suede or leather.


Renewing your Navyist status entails earning another 5,000 points within the next calendar year.

This makes the card an ideal choice for frequent shoppers, or bulk buyers preparing gifts for the holidays or even for corporate giveaways.

The Downsides

There is no such thing as a perfect credit card. Even with all these perks, there are some limitations that make the Old Navy credit card suitable for only a select few. For starters, the points themselves – although quite generously given — are not as flexible as the points you’d earn through other types of credit cards.

Keep in mind that they’re points, not cash backs. So whatever you earn is not as good as cash that you can spend anywhere you choose.

Points earned through the system can only be spent towards future Gap Inc. family brand purchases. The same goes for the $5 rebate you get for every 500 points earned.

Another thing you might want to consider is the interest rate that goes with these cards. While the card doesn’t charge an annual fee, there is no interest-free introductory period. Moreover, interest rates can be pretty steep at 28.24% APR variable. Late fees can be as high as $39.

All that considered, it’s easy to see how fees and charges can accumulate if you’re unable to make your payments on time.

Finally, the Navyist status isn’t simply granted when you reach the required of points. Cardholders need to maintain good standing and must make payments on time to qualify for the elite status.

Gap Inc. brands advise cardholders to call the customer phone listed on the back of your card or website if any questions or concerns come up. You can also call their customer if you need assistance with account opening, first purchase benefits, reward points, or any other topic.

The Old Navy Visa Credit Card – Is It Worth It?

As with any other financial product, that depends on your spending habits.

Buyers who patronize Old Navy and its sister brands for most — if not all – of their clothing needs might be able to maximize the points system, rewards, and rebates to the full extent that the card offers.

And because the points and cash backs are valid only against purchases from Old Navy or Gap Inc. family brands, recurring shoppers who buy heavily from these stores are most likely to get the best of the perks.

If you’re not too big on Gap Inc. and their partner brands, then you might want to save that card slot in your wallet for something else.

There is a wealth of other credit cards out there that offer perks for different products and services you might be more inclined to purchase, like airfare, restaurant dining, groceries, or gas.

All in all, it ultimately depends on where you prefer to spend your money. For those who buy thousands of dollars worth of products from Gap Inc. in a year, then the Old Navy credit card may be a smart move.

Is the Old Navy Rewards Credit Card for You?

Old Navy and Gap Inc. patrons can reap impressive rewards with the Old Navy credit card.

Offering big points and rebates, the card allows shoppers to grab a hold of discounted prices and lots of eye-popping perks that make the shopping experience more rewarding.

Of course, there are other cards that might be more flexible, offering points for money spent on a wider scope of brands, products, and services.

But for the die-hard Gap Inc. shopper, the Old Navy Visa card can find a worthy card slot in your wallet.