Everything You Need to Know about the Old Navy Credit Card

A credit card might not be the first thing that comes to your mind when you think about Old Navy. This clothing brand has one of the finest collections of the latest clothing items. Only a few know that the company also offers its own Old Navy Credit Card to loyal customers, as part of its reward scheme.

For the loyal customers of Old Navy looking to fill their wardrobe with the latest clothing, but don’t have enough money, the Old Navy credit card is there for your rescue. The card is issued by Synchrony Bank and it offers rewards on purchases at Old Navy, Banana Republic, Gap Factory, and Athleta. While the card has many benefits, it has a few pitfalls too. In this article, we will walk you through the features, pros, and cons of the Old Navy card. Let’s take a look:

What is the Old Navy Credit Card?

The Old Navy Credit card is a reward-based card that earns points for every purchase made at the Gap family of brands. The company has also launched a Visa variant of this credit card, allowing customers to use it at any retail store. For every dollar you spend at the retail stores listed above, you get 5 redeemable points. Once you have collected enough points, you can redeem them for in-store purchases at Gap Inc. 

The more you buy using the Old Navy credit cards, the higher the reward points you will earn and the more you can use it for the rewards. For example, customers who cross 5000 reward points will become eligible for a card upgrade. This upgrade comes with additional perks, such as free shipping for certain Old Navy products. 

Key Features of the Old Navy Credit Card

  • For every dollar spent at the Gap Inc brands, you will be eligible for 5 points
  • Get $5 for 500 points
  • Get access to the latest reward programs 
  • Be the first one to get access to the popular sales
  • Zero fraud liability
  • Zero annual fee
  • Additional benefits for those who have reached 5000 points
  • Use visa variant of the card to earn 1 point per dollar spent at just about any retail store

Redeemable at Gap Inc Stores Only

While the company has offered many perks to the Old Navy loyalists, these cards are not flexible. You can use them for only purchases at the Gap Inc Stores. The rewards do not come with any restrictions, but there are quite a few rules you need to know before you use these credit cards.

You get $5 for every 500 points earned from shopping at Gap Inc Stores. The maximum limit for these rewards is $250 per billing cycle. If the rewards are lower than $5 or higher than $250, they will be used for the next billing cycle. Note that you can use these rewards for two years following your purchase date. It expires after that.

Types of Old Navy Credit Cards

The company has launched a few credit cards, each offering different perks to the loyal customers of the Gap Inc brands. Here are the types of Old Navy credit cards you can try.

  • The Standard Card: New members who shop regularly from the Gap Inc store can sign up for the standard card and start collecting points with every purchase. Note that these cards can be used at the Gap Inc stores only.
  • Visa Credit Card: You can sign up for either the standard cards or the visa card, whichever looks suitable. The Visa card is designed to be used across all stores that accept visa cards. It means you can use the card at every store without any restrictions. Note that a Visa card earns you only 1 point per dollar.
  • Navylist cards: This is the upgraded version of the standard credit card. You need to earn 5000 points on your standard credit card to become eligible for an upgrade to the Navylist card. It works the same way as any standard credit card, but you get a few additional rewards, such as 20% extra points every quarter. Use the code “NAVYLIST” to become eligible for free shipping for online purchases at the Gap family of brands. You need to re-qualify for the card every year. 

Annual Fees and APR

Old Navy credit card does not come with an annual fee, but the card does not offer the introductory free APR period. You will be charged a flat 25.99% APR. This card is recommended for only those who are going to shop from Gap Inc stores regularly. You don’t want to pay a hefty APR fee unnecessarily. 

How Can you Apply for the Old Navy Credit Card?

New members can apply for the Old Navy credit card from the official website. The company offers 20% off on purchases at Gap Inc for new users. Once your credit card is approved, you will get the old navy credit card login details that you can use for checking your account balance, current points, redeemable points, and the latest offers. Note that you need a good credit score (preferably above 670) to be approved for the Old Navy credit card.


  • 5 points for $1 for purchases at Gap Inc Stores
  • Great product for those who shop regularly from Gap Inc stores
  • No annual fee
  • Zero fraud liability
  • Options available for upgrading the credit card


  • You can only redeem the points at Gap Store
  • A foreign transaction fee of 3% is applicable
  • 25.99% APR with no introductory offer

VerdictThe Old Navy card is a sensible choice for customers who shop from Gap Inc store regularly. Get your Old Navy card login details and sign up for this reward-based credit card online. Start collecting points on your cards for every purchase and upgrade it to the Navylist once you have reached 5,000. It is a decent deal, overall.

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