Old Navy Visa Card

For People with
Fair Credit



The Old Navy Visa is a great choice if you shop at Old Navy and its affiliates frequently. Affiliates include: Gap, Banana Republic, Piperlime, and Athleta.

You’ll earn 5X points per dollar spent at Old Navy and its affiliates, in-store and online. For all other card purchases you’ll earn 1X point per dollar. You’ll also get a signup bonus of 20% off your first card purchase.

Old Navy offers another version of this card, the Old Navy Credit Card (Review), which can only be used at Old Navy and Old Navy affiliate locations.

To see our comparison of both cards, check out our Review of the Old Navy Credit Card and Old Navy Visa Credit Card.

Card Quick Facts

Card Quick Facts

  • Earn 5 points for every $1 spent on Old Navy brands, in-store and online
  • Earn 1 point for every $1 spent on all other purchases
  • 20% off your first card purchase
  • $5 reward for every 500 points you earn
  • Navyist status after reaching 5,000 points in a calendar year
  • Select accounts may be eligible for a Visa Signature version of this card

For People with
Fair Credit



Manage My Card

Want to pay a bill or check your balance?

Card Details



  • 5X points per dollar spent at Old Navy and affiliates, in-store and online
  • 1X point per dollar spent on all other purchases
How to Redeem

Introductory Bonus

  • 20% off your first purchase with this card on the same day for in-store applications and within 90 days of account opening for online
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 28.24% Variable
Intro Purchase APR -
Foreign Transaction Fee 3%
Chip Technology Chip-and-Signature
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score No
Penalty APR None
Late Fee Up to $39
Returned Payment Fee -
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR -
Balance Transfer Fee -
Cash Advances

Cash Advances

Cash Advance APR 29.24% Variable
Cash Advance Fee 4%, $10 minimum

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • Navyist Status

    Earn 5,000 points in a year to automatically upgrade to Nayist status, which features 20% extra rewards points every quarter, free shipping on online orders, free basic alterations, and a toll-free priority line: 1-866-450-5295.

  • Welcome Shopping Pass

    10% off 60-day Welcome Pass.

  • Pre-sale Access

    Get exclusive offers throughout the year and pre-sale access to popular sales.

  • $10 Reward

    Enter your email address and go paperless on Oldnavy.com.

  • Cardholder-only Offers

    Offers to earn extra points.

  • Exclusive Access

    Pre-sale access to popular sales, deals on new arrivals, and more.

  • Visa Benefits

    You’ll be provided with a list of available benefits once you’re approved for the card.

  • Visa Signature Benefits

    You may be eligible to receive a Visa Signature version of this card, and you’ll be provided with a list of available benefits if you’re approved.

  • Zero Fraud Liability

    You will not be held responsible for unauthorized charges made on your card.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

Submit your review

Create your own review

Average rating:  
 4 reviews
by John Michel
Poor customer service

Had the Old Navy Visa card for a number of years. Never went over the credit limit or made a late payment. Zero balance and responsible use but twice they refused to lower the exorbitant (24.99%) APR. Slashed the credit limit w/o notice or explanation by 90%. Ended up closing the account on my own. Just awful customer service.

by Alissa Rybicki
They do not value their loyal customers

Like another reviewer, the minute I paid off my balance, they slashed my credit limit, and I mean slashed. That's how they said thank you to me for buying thousands of dollars of their clothes for myself and my kids over the years. I will be shopping elsewhere from now on, I have choices.

by Andrea

I have the Nayvist Credit card with a great credit limit. I love that i can use my card for everyday purchases and I get free clothing rewards that stack with the in-store sales and coupons. Helps with my families clothing budget.

by Justee Martini
They closed my account

I love Old Navy, I used the card for the perks and always paid on time. The first time I had paid my balance off they decreased my credit limit, I was mad. My score dropped. I paid off my 100.00 balance (used it for the rewards) and they closed the whole account! What a joke! They offered no help online and gave me excuses that did not involve my perfect history with them.

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