Old Navy Credit Card Review (2017)

By: Brittney Mayer • November 15, 2017

Opinions expressed here are ours alone, and are not provided, endorsed, or approved by any issuer. Site may be compensated through the issuer affiliate programs.

Old Navy, a popular purveyor of clothing and accessories, was established as a subsidiary of The Gap, Inc. almost 25 years ago in 1984. Old Navy is typically considered the most affordable of the corporation's mainstream fashion brands, and currently has over 1,100 locations across the US, Canada, and Puerto Rico.

Designed for dedicated Old Navy shoppers, the Old Navy Credit Card provides an easy way to earn rewards and savings on your purchases at any Gap Inc. brand location, both in-store and online. This means you can shop — and earn rewards — on any Old Navy, GAP, Banana Republic, or Athleta purchase made with your Old Navy card. However, purchasing is limited to these brands with the closed-loop Old Navy Credit Card and you won't be able to pay your bill in-store.

Old Navy Card Overall Rating: 2.5/5.0

With a high 25.99% APR, the Old Navy Credit Card isn't for those who like to maintain a balance, as the interest fees will likely add up fast, especially if you're a big spender. In addition, overall limits are reported to be low, and some reviewers mention having their credit limits lowered due to carried balances. That said, for frequent shoppers, the card may still be worthwhile despite the APR and low limits.

To start, new cardholders can enjoy 15% off their first Old Navy Card purchase made within 90 days of account opening. Cardholders will also be eligible for ongoing Old Navy Rewards, earning points at a rate of 5X points per $1 spent on Gap Inc.-brand purchases, in-store or online. Members can earn a $5 Reward for every 500 points redeemed, and Rewards can be used toward any qualifying brand purchases.

Old Navy Credit Card

★★★ 2.5/5.0
  • APR: 25.99% as of Nov 2017
  • Annual Fee: $0
  • Rewards: Earn 5X per $1 on Gap Inc.-Brand Purchases

To really score a deal, combine your Rewards with an Old Navy coupon from DealCrunch.com. While rewards are capped at $250 per billing cycle, the remaining points are added to Rewards in a future billing cycle, so you won't lose out if you earn more than allowed. Of course, as with most store cards, the best perks and rewards are given to those shoppers who spend the most, and the Old Navy Card is no exception.

In fact, those who earn 5,000 or more points on their Old Navy Card in a single calendar year will qualify for Navyist status, the highest cardholder status offered by the company. Those with Navyist status earn 20% extra Reward points every quarter, free shipping on any online order, and free basic alterations on Banana Republic purchases. Navyist members will also have access to a private, toll-free priority line anytime they need assistance.

Approval Requirements & Application

As a store credit card, the Old Navy Card will be easier to qualify for than a regular credit card and will be more likely to approve those with poor or limited credit. Although you can't pay your credit card bill in-store, you can apply for the card at any Old Navy location. You can also apply online through the Old Navy website using the link below.

Better Cards to Use at Old Navy

If the majority of your clothing sports an "Old Navy" tag, you'll probably find the Old Navy Credit Card to be a great tool for earning useful rewards. At the same time, those who aren't so enamored with the brand as to earn Navyist status will likely find a flexible, all-purpose rewards card more worthwhile — and significantly more valuable.

Cash Back

Cash back credit cards award a percentage of your purchases as cash back rewards, which can be redeemed for gift cards, a check, or a statement credit. Most programs offer unlimited rewards at a low rate, while some will offer bonus rewards at a higher rate for purchases in specific categories. For added variety, try a card offering bonus rewards in rotating categories that change each quarter.

0% APR

Introductory 0% APR offers allow cardholders to carry a balance interest-free for a year or more. Considering the average credit card interest rate tops 16%, a good intro APR offer can save you thousands in interest fees. Pair an introductory 0% APR offer with cash back or travel rewards to really make the most of your savings.

Travel Rewards

Whether you're a weekend jet-setter or just an annual-tripper, a good travel rewards card can make your next adventure more affordable by saving you money on flights, hotels, and other travel-related expenses. Cardholders can earn points or miles for every purchase, and some cards offer bonus miles for spending in specific categories. You can jump-start your savings with a travel card signup bonus, which can be worth thousands of miles if you can meet the spending requirement.

If your annual Old Navy budget is enough to earn you elite Navyist status, then the Old Navy Card can be a worthwhile addition to your wallet. If you're only in your local store for sales and clearance bargains, you'll likely get much more value out of a card that will earn you rewards on more than a few pairs of $3 flip-flops.

What Others Say About the Old Navy Credit Card

Although the Old Navy Card undoubtedly has its benefits, the consensus seems to be that it's not very valuable to the average cardholder. Take a look at some other Old Navy Card reviews from around the web.

A review from
CreditCardForum.com says:

As with all store cards, you need to ask yourself how much do you spend at this store per year? Old Navy’s clothes are low priced to begin with, so just to earn $50 in rewards (5,000 points) once per year, you would need to be spending $1,000 there. If you do spend thousands per year there then the Old Navy credit card might make sense. If not, their credit card may not be worth the hassle. So, bottom line, the Old Navy card along with any other store credit card is a fairly bad deal when you look at the other options available to most people with decent credit in the marketplace. If you like Old Navy that probably means you’re a shopper – so why not shop around for a better deal? — CreditCardForum.com

★★★ 2.5/5.0
A review from
CreditKarma.com says:

I had a $300 balance. Paid my card on time each month and never once maxed it out. They decided to LOWER my credit limit without notice meaning it dropped my credit score. No reason when you're paying your card and being responsible with it!!! — CreditKarma.com

1.0/5.0
A review from
MyBankTracker.com says:

For the hardcore Old Navy shopper, the Old Navy store credit card is definitely worth it, especially if you can obtain the Navyist status. The premium status means that you earn an effective 6% rewards on all purchases at Old Navy, The Gap, Banana Republic, and Athleta...If you don't fit the optimal criteria as an Old Navy store credit card customer, you're much better off with one of the cash back credit card alternatives. These alternatives will offer nearly as many rewards, but the rewards come in the form of cash. It is more versatile because you're not forced to use your rewards just for Old Navy purchases. — MyBankTracker.com

★★★ 3.0/5.0

Is the Old Navy Card Right for You?

Old Navy aficionados will enjoy the extra savings from the points and Rewards earned with their Old Navy Credit Card, especially if they also frequent the other Gap Inc. brands. The best value comes from reaching Navyist status, which unlocks extra points and other perks. Anyone who'd rather earn rewards on everything they buy — instead of being limited to a handful of mall stores — should stick with an all-around rewards card.

Editorial Note: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

About the Author

Brittney Mayer

Brittney is a Contributing Editor for Digital Brands, Inc., where she uses her extensive research background to develop comprehensive guides and in-depth company profiles for BadCredit.org and CardRates.com. Brittney specializes in translating complex ideas into readable, engaging content for B2C and B2B audiences.