If you shop at Old Navy a lot, you’ve probably seen signs or heard someone mention the Old Navy credit card. It sounds great, right? Rewards, discounts, and special perks? But is it really a smart move?
Let’s break it down in simple words. In this guide, you’ll learn how the card works, what it offers, and what you should watch out for. Whether you’re thinking of applying or just curious, you’ll get everything you need to decide.
What Is the Old Navy Credit Card?
Old Navy has two credit cards. One works only at Old Navy and its sister stores (Gap, Banana Republic, Athleta). The other one, a Visa card, works at any store that accepts Visa.
Both cards are offered by Barclays Bank. This changed in 2022 when Barclays took over from Synchrony Bank. But the rewards and main features stayed the same.
Why Do People Like the Old Navy Credit Card?
There are some solid reasons why people get this card—especially if they love shopping at Old Navy or similar stores. Here’s what makes it stand out:
1. Easy-to-Earn Rewards
- Earn 5 points for every $1 you spend at Old Navy, Gap, Athleta, or Banana Republic.
- If you have the Visa version, you also earn 1 point per $1 at other stores.
Every 500 points = $5 reward. That adds up fast if you shop there often.
2. Nice Sign-Up Bonus
New users usually get 20% off their first order. Sometimes the offer changes, but it’s always something to help you save money right away.
3. Extra Perks for Cardholders
When you get the card, you also get:
- Special sales
- Birthday gifts
- Early access to big deals
- Free shipping on some orders
4. Reach Navyist Status
Spend $1,000 a year or earn 5,000 points, and you get extra perks:
- Faster shipping
- Free basic clothing repairs at Banana Republic
- VIP sales and bonus point events
What’s Not So Great?
Like any credit card, there are things you need to be careful about. Let’s talk about those.
1. High Interest
This card has a very high interest rate—usually around 30%. That means if you don’t pay off your bill each month, you’ll end up paying a lot in fees.
2. Limited Use (for Store-Only Card)
The basic card only works at Old Navy and Gap Inc. stores. If you want to use it everywhere, you’ll need the Visa version.
3. Rewards Can Take Time
Points don’t show up right away. And sometimes rewards can expire if you don’t use them soon enough. Some people say they had to wait longer than expected to get their points.
4. Might Make You Spend More
Let’s be real—rewards can tempt you to buy more stuff. It’s easy to spend just to earn points. That’s great for the store, not always for you.
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Is the Old Navy Credit Card a Good Choice?
It depends on your habits.
You might love it if you:
- Shop at Old Navy and its sister stores often
- Always pay your balance in full
- Like saving money and getting perks
But it might not be for you if you:
- Don’t shop there much
- Usually carry a balance
- Prefer cash back or general travel rewards
Smart Tips to Use the Card Right
If you want to get the most out of this card, here’s how to do it:
1. Pay Your Balance in Full
Avoid paying interest. Always pay the full amount each month. Set up reminders or automatic payments.
2. Shop During Big Sales
Use the card when the store has big sales or clearance deals. That way, your points go further.
3. Watch for Bonus Events
Old Navy sometimes gives extra points for shopping during certain days. Try to shop during these events.
4. Use the Mobile App
The app lets you check your balance, track points, and shop all in one place. It’s easy and helpful.
5. Don’t Spend Just to Earn Rewards
It’s easy to fall into the trap. Only buy what you need. Don’t chase Navyist status—it’s not worth it if you’re going into debt.
How Does It Compare to Other Store Cards?
Let’s look at how the Old Navy credit card stacks up against others.
| Feature | Old Navy Card | Target RedCard | Amazon Store Card |
|---|---|---|---|
| Reward Rate | 5% at Gap brands | 5% at Target | 5% at Amazon |
| Use Outside Store | Visa only | No | No |
| Interest Rate | ~30% | ~30% | ~29% |
| Sign-Up Bonus | 20% off (varies) | 5% on first order | Varies |
So yes, the Old Navy card does well if you love shopping there—but like most store cards, the high APR is the downside.
FAQs: Your Top Questions Answered
Final Thoughts
The Old Navy credit card can be a good deal—but only if you use it the right way. That means:
- Paying off your bill every month
- Shopping smart
- Using the rewards, but not overspending to earn them
It’s a good fit for loyal Old Navy shoppers who want to save. It’s not great for people who shop there once or twice a year or who tend to carry a balance.
