Old Navy Credit Card: Benefits, Rewards & Application Guide

Old Navy Credit Card Guide: Benefits, Rewards & Application Process

If you regularly shop at Old Navy, Gap, Banana Republic, or Athleta, the Old Navy Credit Card can help you save big with rewards, discounts, and exclusive perks. This guide covers everything — benefits, application steps, account management, and tips to maximize rewards.

Table of Contents

1. What is the Old Navy Credit Card?
2. Benefits and Rewards
3. Application Process
4. Managing Your Account
5. Maximizing Rewards
6. Is It Right for You?
7. FAQs

What is the Old Navy Credit Card?

The Old Navy Credit Card is issued by Synchrony Bank and is designed for loyal Gap Inc. customers. Two versions exist: the standard Old Navy Card (store use only) and the Old Navy Visa Card (usable anywhere Visa is accepted).

Both allow you to earn points on purchases that can be redeemed for discounts. Choosing between them depends on your shopping habits and credit profile.

Benefits and Rewards

Key perks of the Old Navy Credit Card include:

• 5 points per $1 spent at Gap Inc. brands.
• $5 reward for every 500 points earned.
• Special welcome offers and birthday rewards.
• Early access to sales and exclusive events.
• Free standard shipping for cardholders.

The Visa version also earns 1 point per $1 spent everywhere else Visa is accepted.

How to Apply

You can apply online at Old Navy’s official website or in-store. Required details include your name, address, date of birth, Social Security number, and income. Approval is often instant, and approved applicants may get a temporary shopping pass.

Strong credit improves approval odds, especially for the Visa version.

Managing Your Account

Cardholders can manage their account through Synchrony Bank’s online portal, where you can:

• Check balance and transactions.
• Pay bills online or set autopay.
• Update personal info.
• Access monthly statements.

Customer service is also available by phone.

Tips for Maximizing Rewards

• Use the card for all Gap Inc. purchases to earn 5x points.
• Shop during bonus points promotions.
• Reach Navyist or Icon status for extra perks.
• Redeem rewards for larger purchases.
• Use the Visa card everywhere for extra point accumulation.

Is the Old Navy Credit Card Right for You?

This card is ideal for frequent Gap Inc. shoppers who pay balances in full monthly. It may not suit those who rarely shop at these stores or carry balances, as high APR can outweigh rewards.

Frequently Asked Questions

Can I use my Old Navy Credit Card anywhere?

The store card works only at Gap Inc. stores, while the Visa version is accepted everywhere Visa is.

What credit score is required?

A fair-to-good credit score is typically needed. The Visa card often requires stronger credit.

Do rewards expire?

Yes, Old Navy rewards generally expire within 12 months if unused.

Is there an annual fee?

No, both versions of the card have no annual fee.

How do I pay my bill?

You can pay online via Synchrony Bank, by phone, by mail, or in-store.

The Old Navy Credit Card offers significant value for loyal shoppers. Use it wisely, manage your account carefully, and enjoy exclusive rewards.

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