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The store card can only be used at Old Navy and affiliated stores, but the other can be used anywhere Visa is accepted.
Cardholders get discounts and special rewards for using the cards, but watch out for the high APR’s.
When it comes to the card rewards, the regular Old Navy store card offers a basic set of features, and the Visa card offers a few more on top of that.
Cardholders earn 5 points for every 1 dollar spent at Old Navy or affiliated stores. The affiliated stores are the Gap, Banana Republic, Piperlime, and Athleta. Visa cardholders will earn 1 point for every 1 dollar spent elsewhere.
Up to 2,000 bonus points can be earned if the cardholder signs up for email and voice message updates. Every 500 points will be rewarded with a $5 gift card to Old Navy and affiliated stores.
After being approved for the card online, cardholders will get a 10% discount on their next online purchase from Old Navy.
For cardholders whose accounts are in good standing and have provided their email address, special birthday savings will be sent annually. Exclusive discounts and sales will be available as well, and members will be sent advance notice about upcoming sales and events.
Cardholders can request additional cards to add other authorized users to their account.
These cards come with the high interest rates that are typical of retail credit cards – read about the dangers of store credit cards. The cards have slightly different interest rates for purchases, and the Visa card comes with some extra terms for the types of transactions it can handle. Neither card has an annual fee.
The regular Old Navy store credit card has a purchase APR of 24.99%, while the Visa version comes at 23.99%. The Visa card can also be used for cash advances, which come with an APR of 25.99%.
Cash advances also have a fee of $10 or 4% of the advance, whichever is greater. Foreign transactions with the Visa card cost 3% of the transaction.
Late payments, with the regular store card or the Visa card, will cost up to $35.
The Bottom Line
As store cards, the Old Navy credit cards have the high APR’s you would expect. However, the discount at Old Navy and affiliated stores is not bad at all: it works out to be 5%. If you can use credit cards responsibly, paying off your account each month before it accrues interest, you can use this discount to your advantage and avoid being stung by the high APR.
Read more about how to make retail store credit cards work for you, instead of the other way around.
This review was not endorsed or approved by Old Navy or its affiliates.