Old Navy credit card review: is it worth it?

If you are constantly seeking new tendencies in fashion, the Old Navy credit card is for you. You'll gain reward points in every purchase at GAP Inc. stores.


Old Navy credit card: rewards for shopping enthusiasts and exclusive discount offers

Logo Old Navy
Check out the Old Navy credit card review. Source: Old Navy.

If you love shopping for new clothes, the Old Navy credit card will come in hand for you. You’ll get exclusive offers to shop at Gap, Gap Factory, Banana Republic, Banana Republic Factory, Old Navy, Athleta, and Hill City.

We’ll tell you more about the pros and cons in this review.

Old Navy credit cards

How do you get the Old Navy card?

The Old Navy card will give you reward points for every purchase at any GAP Inc store. If you like to keep up with fashion tendencies, learn how to apply!

Credit ScoreFair/Good
Annual Fee$0
Regular APR25.99% Variable
Welcome bonus20% off on your first purchase in any GAP Inc. store.
Rewards5x points for shopping at Gap Inc. brands (in-store and online)
* For the Old Navy Visa: 1x at other merchants that accept Visa.

Old Navy credit card

The Old Navy credit card is a Synchrony Bank credit card for exclusive use at GAP Inc. brand stores. It has the option of a Visa signature that you can use wherever Visa is accepted.

It has a reward points program for purchases at the GAP Inc. brand stores. These points can not be used to pay your card bill, only on direct purchases in-stores or online.

Each time you complete 500 points, they turn into a $5 reward. You’ll receive a rewards certificate of a maximum of $50, with an expiration date. These certificates can be used at your purchases, maximum of 3 certificates in stores and 5 certificates online.

When you reach 5,000 points, your card is upgraded to the Navyist Credit Card, which offers some new benefits, like free shipping at Old Navy brands.

Old Navy Credit card: should you get one?

The Old Navy Credit Card is a store credit card. Source: Freepik.

Old Navy credit card is suitable only for purchasing clothes, specifically GAP Inc. brand stores. If you are affectionate by these brands and spend $1000 or more annually on clothes, this card will serve you. If that’s not the case, you should consider other credit card options with a more flexible reward points program that gives you cashback and other benefits.


  • No annual fee.
  • You can earn 1,000 points if you choose to go paperless and submit to GAP Inc. mailing.
  • Gain a $5 reward for every 500 points.
  • Early access to sales and discount offers


  • The reward points are not flexible and can’t be redeemed as cashback. The only way to redeem them is by buying at GAP Inc. stores.
  • The points turn into rewards certificates with an expiration date, so you may lose points if you don’t use them with a certain frequency.
  • High-Interest rates.

Multiple personalized credit card offers

Applying won't hurt your credit score

You will be redirected to another website

Credit scores required

The recommended credit score is 630. But these store brand cards have high APR and are not very demanding to approve applications. If you apply at a store, you can get approved and start shopping right away.

Old Navy credit card application: how to do?

You can apply in any GAP Inc. store, online, or through the phone. You can check more detail about the application in the following content. Stay with us to learn how to get your credit card.

Old Navy credit cards

How do you get the Old Navy card?

The Old Navy card will give you reward points for every purchase at any GAP Inc store. If you like to keep up with fashion tendencies, learn how to apply!

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