Skip to content

Old Navy Credit Card

Advertiser Disclosure

Credit Card Insider is an independent, advertising supported website. Credit Card Insider receives compensation from some credit card issuers as advertisers. Advertiser relationships do not affect card ratings or our Editor’s Best Card Picks. Credit Card Insider has not reviewed all available credit card offers in the marketplace. Content is not provided or commissioned by any credit card issuers. Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. Credit Card Insider and CardRatings may receive a commission from card issuers. A list of these issuers can be found on our Editorial Guidelines.

Designed for shoppers of Old Navy and its affiliated stores, the Old Navy Credit Card provides 5X points per dollar therein as well as discounts at Old Navy. The affiliated stores include Gap, Banana Republic, and Athleta.

Apply Now Read our Review
Our rating
Min. credit level: Fair
Annual Fee: $0
Regular APR: 25.99% Variable

Old Navy Credit Card

Our rating
Fair Min. credit level
$0 Annual Fee
Apply Now Read our Review

Highlights & Features

Rewards

  • 5X points per dollar in store and online at:
    • Old Navy
    • Gap
    • Banana Republic
    • Athleta
    • Hill City
Introductory Bonus
  • 30% discount code for oldnavy.com

Balance Transfers

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR N/A
Balance Transfer Fee N/A
How to Transfer a Balance on a Credit Card

Fees

Penalty APR N/A
Late Fee Up to $39
Returned Payment Fee N/A
Additional Cards Annual Fee N/A
Foreign Transaction Fee None
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR N/A
Cash Advance Fee N/A
How to Get a Cash Advance with a Credit Card

Card Benefits

SECURITY
  • Zero Liability on Unauthorized Charges
Old Navy Credit Card

Highlights

  • 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
ABOUT THE ISSUER

Synchrony

Synchrony has several card types depending on your needs.

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-877-222-6868 or

Try a different phone number
See all Issuer Cards

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.

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 2020 Review: Old Navy Credit Card and Old Navy Visa Card – Rewards for Old Navy Shoppers.