December 6, 2018

Old Navy Credit Card Review

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What could make shopping Old Navy sales with an additional promotion or coupon better? What if you could earn points towards Old Navy merchandise just by doing your regular shopping? If you are eligible for an Old Navy credit card, you'll earn points, which you can turn into rewards.

Old Navy
Old Navy © Mike Mozart (CC BY 2.0) via Flickr

Old Navy is a household name for children and adults. They offer fashionable clothing at affordable prices. You'll often find sales and other promotions going on to help you save even further. However, Old Navy advertises even greater savings with use of their credit card.

Is it too good to be true? Keep reading to find out.

Who Should Get the Old Navy Credit Card?

  • You shop at Old Navy or any of its brand-affiliated stores often. Old Navy is a part of the Gap family, which includes Gap, Old Navy, Banana Republic, and Athleta. If you regularly shop at any of these stores, you may be able to take advantage of the extra savings offered to credit card holders.

  • You like to earn points to use towards clothing. You won't earn airline miles or even cashback, but you may earn points towards Old Navy award certificates. You can use the certificates in combination with sales and even one additional Old Navy promo, which may help you save significantly on your clothing purchases.

  • You spend at least $1,000 per calendar year at Old Navy. Spending at least $1,000 per year with your Old Navy credit card makes you a "Navyist." This entitles you to more benefits, including percentage off coupons each quarter, free shipping from the Old Navy brand stores, and free "basic" alterations at Banana Republic. We expand on this benefit below.

3 Old Navy Credit Cards

  1. The standard option is the store-branded Old Navy Credit Card. You can use this card only at Old Navy or its sibling stores. It's not tied to any payment networks.

  2. Certain applicants may qualify for the Old Navy Visa. This card offers the same benefits as the standard Old Navy credit card, but you have the benefit of using it at any store that accepts Visa. In addition, your purchases outside of Old Navy or its family of stores may earn you points (1/2 of what you earn on your purchases at Old Navy, Gap, Banana Republic, or Athleta). You can then use these points to earn Old Navy reward certificates.

  3. The third Old Navy credit card is the Navyist. This is the highest Old Navy credit card in their tier of options. If you achieve this status, you earn the benefits discussed above. You also have access to a private priority customer service line. Again, this status is achieved on a year-by-year basis. If you don't meet the qualifying requirements, you'll be back to the standard Old Navy credit card.

Qualifying as a Navyist: It takes more than just spending at least $1,000 in a year at Old Navy to be a Navyist. You must also have an account in good standing, which means making your minimum payments by their due date. You must also requalify for the Navyist status each year.

Reasons We Like the Old Navy Credit Cards

  • You can earn points for your purchases without worrying about categories. Unlike other reward credit cards, you get rewarded for any purchase you make with your Old Navy credit card. If you have the Old Navy Visa, you can use the card anywhere that accepts the Visa card. Even though it's not an Old Navy purchase, you'll earn points - just fewer points than you'd earn on Old Navy purchases.

  • The welcome bonus is good for 90 days. Many store branded credit cards offer a welcome bonus to help encourage consumers to apply for the credit card. Unlike many stores, though, Old Navy gives you 90 days to redeem your welcome bonus, but you can only redeem it at

  • There's no annual fee. Paying an annual fee can take away from the benefits you may receive with a store credit card. The fact that the Old Navy credit card doesn't charge an annual fee makes it easier to decide if the card is right for you.

  • You can use your Old Navy credit card at all Gap Family stores. Even if you only have the Old Navy credit card and not the Visa, you can use it for purchases at Gap, Banana Republic, and Athleta too. Of course, these stores also have their own store-branded credit cards, but you may rack up more points by keeping one card. This may help you reach your reward quota quicker.

  • The Old Navy Visa credit card utilizes chip and sign technology. This gives you a little more security when using your Visa at chip-enabled terminals. Your information is encrypted before it's transmitted, lowering the risk of unauthorized use of your Visa.

  • If you sign up for eBilling, you may receive bonus reward points. Old Navy encourages you to skip the paper bill and to sign up for electronic billing. In exchange for signing up, Old Navy will award you with bonus reward points within two billing cycles.

  • You can set up your Old Navy credit card in your mobile wallet. You can now set up your Old Navy card on Apple Pay, Samsung Pay, and Google Pay. This makes it easy to pay while at your favorite stores and lowers the risk of a stolen credit card, since you can leave it at home.

  • You can manage your Old Navy credit card online. You can view transactions, make payments, view old bills, and set up alerts. You can access your account on your computer or mobile phone using the Old Navy app.

Reasons You May Want to Consider Other Credit Cards

  • You can't get cash back or statement credit as a part of your rewards. All rewards are Old Navy certificates, which you can redeem like cash when you make a purchase at Old Navy or one of its family-branded stores. If you'd prefer points you can redeem for other rewards or even a statement credit, you'll want something other than a store-branded credit card.

  • If you already have a low credit score, this credit card can damage it even further. Consumers with low credit scores may still obtain approval for the Old Navy credit card, but with a low credit limit. If you are the type that will max out your credit limit, or even use half of it, you increase your credit usage, which can lower your credit score.

  • The APR tends to be higher than many other reward credit cards. In general, store-branded credit cards have higher APRs than other credit cards. If you know you'll carry a balance (not pay your bill in full each month), you may want to find a card with a more affordable APR.

Bottom Line

The Old Navy credit card options are good for Old Navy enthusiasts. If you clothe your children or entire family in Old Navy apparel, you can benefit from the reward certificates. If you are an occasional Old Navy shopper, though, you won't see as much of a benefit, making the card just another credit card in your stash of credit cards.

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