Old Navy Credit Card

For People with
Fair Credit



The Old Navy Credit Card is a store card that can be used at Old Navy and affiliated locations. Affiliates include: Gap, Banana Republic, and Athleta.

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

For an Old Navy card that can also be used for other purchases, check out the Old Navy Visa Card (Review).

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 5X points per dollar spent at Old Navy and affiliated stores, in-store and online
  • $5 reward for every 500 points you earn
  • 20% off your first card purchase
  • 10% off 60-day welcome pass
  • Navyist status after reaching 5,000 points in a calendar year
  • No annual fee

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 affiliated stores, in-store and online
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 None
Chip Technology None
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 -
Cash Advance Fee -

Card Benefits

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

  • $10 Reward

    For entering your email address and going paperless on oldnavy.com.

  • Cardholder-Only Offers

    Offers to earn extra points.

  • 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.

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:  
 2 reviews
by Hellen Jonas
Don't get this card. Not worth the non existent benefits they claim.

Supet high interest, late fees is outrageous, more than minimum amount due. Don't ever be late or else. You can't pay over the phone with customer service agent, you will get charged $10. Hard to go from store credit to their visa card. No benefit, coupons are very strict used , limited on items . Everything with them is about money.

by Veronica
Don’t do it

I have had my card for 3 years and I started out with a 309 limit and I paid the card off and they increased my limit to 500, that was great then all of a sudden they decreased my limit to 400 and then a year later they decreased my limit to 310, I am paying it off and closing out this account and never shopping with them again. I always pay on time and pay extra, now they are messing with my credit, I will get my clothes some place else that wants my money.

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