Looking to save big on your next fashion haul? The Old Navy Credit Card could be your perfect companion for earning rewards, enjoying exclusive perks, & making every purchase count—whether you’re shopping in-store or online.
Table of Contents
In this complete guide, you’ll learn how the Old Navy Credit Card works, how to apply, its pros & cons, and how it stacks up against similar retail cards. We’ll also cover common questions & share practical tips to maximize your benefits
What is the Old Navy Credit Card?
The Old Navy Credit Card is a store-branded credit card offered through Barclays, designed for frequent shoppers of Old Navy, Gap, Banana Republic, & Athleta. It offers loyalty rewards, cashback, & special discounts.
There are two main types:
- Old Navy Credit Card (Store Card): Can only be used at Old Navy and sister brands.
- Old Navy Visa® Card: Can be used anywhere Visa is accepted.
Types of Old Navy Credit Cards
Old Navy offers three card levels:
| Card Type | Where You Can Use It | Key Features |
| Old Navy Card | Only Old Navy, Gap Inc. stores | Earn 5 pts/ at Gap Inc. brands |
| Old Navy Visa® | Anywhere Visa is accepted | Earn 5 pts/ in-store, 1 pt/ elsewhere |
| Navyist by Old Navy | Higher tier status (via points) | Bonus perks, early sales access |
Pro Tip: Get upgraded to Navyist after earning 5,000 points annually.
Benefits of the Old Navy Credit Card
Here’s what makes this card a good choice:
1. Rewards on Every Purchase
- 5 points per spent at Old Navy, Gap, Banana Republic, Athleta.
- 1 point per on other purchases (Visa version only).
- $5 reward for every 500 points earned.
2. First Purchase Discount
20% off your first purchase when you open an account.
3. Exclusive Access
- Cardholder-only sales
- Early access to events
- Bonus point promotions
4. Mobile App Convenience
Track rewards, pay your bill, and get alerts using the Gap Inc. Credit Card App.
Step-by-Step: How to Apply
Follow these simple steps to apply for an Old Navy Credit Card:
- Go to: Old Navy Credit Card Page (Barclays)
- Click “Apply Now”
- Choose between Store Card or Visa® Card
- Fill out the form with:
- Personal info (SSN, address, income)
- Employment details
- Review and submit your application
- Get instant decision (in most cases)
You must be 18+ with a valid U.S. SSN and a fair-to-good credit score (~640+).
Old Navy Credit Card Pros and Cons
| Pros | Cons |
| 5x points on brand purchases | High APR (29.99% variable) |
| Can be used across Gap Inc. brands | Points expire if inactive for 24 months |
| Early access to deals and sales | Limited to Gap brands unless you have Visa card |
| Mobile app for easy management | No sign-up bonus beyond 20% off first purchase |
| Upgrade to Navyist for more perks | No 0% intro APR |
Fees, Interest Rates & Terms
Here’s a quick breakdown of what to expect:
| Feature | Details |
| APR (Purchases) | 29.99% variable |
| Annual Fee | $0 |
| Late Payment Fee | Up to $41 |
| Returned Payment Fee | Up to $30 |
| Minimum Interest Charge | $2 |
Tip: Always pay your balance in full each month to avoid the high APR!
Old Navy Rewards vs Other Retail Cards
| Card | Rewards Rate | Best For |
| Old Navy Credit Card | 5x at Gap brands, 1x elsewhere (Visa) | Fashion & casualwear shoppers |
| Target RedCard | 5% off Target purchases | Grocery & household essentials |
| Amazon Store Card | 5% for Prime members | Online shopping & tech gear |
| TJX Rewards Card | 5x at TJ Maxx, Marshalls, etc. | Discount fashion & home shoppers |
Final Thoughts
The Old Navy Credit Card is a smart choice for loyal shoppers of Old Navy, Gap, Banana Republic, and Athleta. With solid rewards, exclusive perks, and no annual fee, it’s a great way to stretch your dollars further—as long as you avoid carrying a balance due to the high interest rate.
If you frequently shop at Gap Inc. stores and want a straightforward way to earn rewards, this card may be a great fit. But if you’re looking for versatile cashback or travel perks, consider a general-purpose rewards card.
Ready to Save More at Old Navy?
Apply for your Old Navy Credit Card today and get 20% off your first purchase.
👉 Apply Now on the Official Site
Have questions? Contact us or visit our blog for more money-saving tips.
What credit score is needed for the Old Navy credit card?
A minimum score of 640 (fair credit) is generally needed. Higher scores may qualify for the Visa version.
How do I check my Old Navy card balance?
Log into your Barclays account or use the Gap Inc. Credit Card app to view your balance, transactions, and available credit.
Can I upgrade from the store card to the Visa?
Yes, Barclays may upgrade you automatically based on your creditworthiness and spending habits.
