If you shop at Old Navy often, you’ve probably seen offers for their credit card. You might have even wondered if it’s worth it. The answer? It can be—if you use it the right way.
In this article, we’ll explain what the Old Navy Credit Card is, how it works, what rewards it offers, and whether it’s a smart choice for you. You’ll get the full scoop in plain language—no tricky terms, no confusing rules.
Let’s dive in and help you decide!
What Is the Old Navy Credit Card?
The Old Navy Credit Card is a card that lets you earn rewards when you shop at Old Navy and its sister stores. These include:
- Gap
- Banana Republic
- Athleta
There are two types of cards:
1. Old Navy Store Card
- Can only be used at Old Navy and other Gap Inc. brands.
- Great if you shop mainly at these stores.
2. Old Navy Visa Card
- Works everywhere Visa is accepted.
- Gives you points on all your purchases, even outside the store.
Both cards help you earn points every time you spend. You can then use those points to save on future shopping trips.
Why Get the Old Navy Credit Card?
Let’s be real—everyone loves a good deal. This card gives you ways to save money, earn rewards, and even get special deals just for being a cardholder.
Here’s why many people sign up:
Earn Points for Shopping
You earn points every time you use the card:
- 5 points for every $1 spent at Old Navy, Gap, Athleta, and Banana Republic.
- 1 point per $1 spent elsewhere (Visa version only).
- 500 points = $5 reward.
Let’s say you spend $100 at Old Navy. That gives you 500 points. You now have $5 to spend next time. Pretty simple, right?
New Cardholder Bonus
When you open an account, you often get a 20% discount on your first purchase. Some offers even include bonus points if you spend a certain amount in the first 30 days.
Exclusive Perks
Cardholders often get:
- Early access to sales
- Special discounts
- Free shipping days
- Birthday surprises
These perks come just for having the card—even if you don’t use it all the time.
Pros and Cons of the Old Navy Credit Card
Like all credit cards, this one has good and bad sides. Here’s a quick look:
Pros
- Earn rewards fast at popular stores
- No annual fee
- Easy to use and redeem rewards
- Extra perks for loyal customers
- Visa version gives wider use
Cons
- High interest rate if you carry a balance
- Can only use rewards at Gap Inc. stores
- Store card can’t be used outside of brand
- Late fees if you miss a payment
So, it’s best to pay off your full balance every month. That way, you enjoy all the perks without paying extra.
What Is Navyist Status?
Spend enough with your card, and you get upgraded to Navyist status. This is a VIP level for frequent shoppers.
Benefits of Navyist Status
- 20% bonus points on all purchases
- Free basic alterations at Banana Republic
- Choose your own sale day once a year
- Free shipping on online orders
- Special customer service line
To become a Navyist, you need 5,000 points in one year. That equals about $1,000 in spending at Gap Inc. stores.
If you shop a lot for yourself or your family, that’s not too hard to reach.
How to Apply for the Old Navy Credit Card
Applying is quick and easy. You can do it:
- Online at the Old Navy website
- In a store during checkout
- By mail, if you get an offer
What You’ll Need
- Your name, address, and income info
- A fair to good credit score (around 640 or higher)
- Be ready for a credit check
If you’re approved, you can usually start using the card right away with a temporary number. The real card arrives in the mail a few days later.
Understanding the Old Navy Rewards Program
Even without the card, you can join the Old Navy Rewards program. But the card boosts your rewards and gets you perks faster.
Here’s how it works:
- You earn points for every dollar you spend.
- 500 points = $5 reward.
- Points don’t expire if your account stays active.
- You can redeem rewards online or in-store.
- You can combine rewards with promo codes for even more savings.
It’s a simple way to earn while you shop.
Should You Get the Old Navy Credit Card?
Let’s break it down. Is the Old Navy Credit Card the right fit for you?
It Might Be a Good Fit If:
- You shop at Old Navy or its sister brands often
- You pay off your credit cards every month
- You like earning points and getting discounts
- You want free shipping and early access to sales
Maybe Not the Best Choice If:
- You rarely shop at Gap Inc. stores
- You carry a balance month to month
- You prefer cash back or travel rewards instead
- You already have too many credit cards
If you fall in the first group, the card could save you a lot. If not, you might want to look for a general rewards card instead.
Tips for Using the Old Navy Credit Card Wisely
Want to make the most of the card? Use these tips:
- Always pay on time to avoid late fees
- Pay your full balance each month to avoid high interest
- Check your rewards before you shop to plan your spending
- Watch for sales where you can stack rewards and promo codes
- Set alerts so you never miss a payment
This way, you enjoy all the benefits without falling into debt.
Final Thoughts
The Old Navy Credit Card can be a smart way to save money and earn rewards—if you use it the right way. With no annual fee, good rewards, and fun perks, it’s a great tool for frequent shoppers.
But it’s still a credit card. So treat it like one. Stay on top of your payments and don’t spend more just to earn points.
If you shop at Old Navy a lot, this card could make your shopping trips a little more exciting—and a lot more rewarding.