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Old Navy Credit Card Review

Navyist Rewards Credit Card
Card Category: Consumer
Card Type: Unsecured
Credit Needed: Excellent/Good/Fair Credit
Card Rating:
Old Navy is a clothing and accessories retailer and one of the largest apparel brands in the world. The retailer is a part of Gap Inc. and it was founded in 1994 to offer affordable fashion apparel.

Old Navy Credit Card is one of the ways to save at retailer's stores and online. The card gives access to Old Navy Rewards Program and allows earning point rewards. The card is available for online application. It can be used at all Gap Inc. brands - Old Navy, GAP, Banana Republic, and Athleta.

Old Navy Credit Card Details


  • Get a 5 Points for every $1 spent in our brands, in-stores and online.93
  • Earn $5 for every 500 points you earn.93


Max. Rewards: 5 Points for every $1 spent93
Sign-up Bonus: No bonus offer93


Purchase Intro APR: No intro APR93
Purchase Regular APR: 29.74%93
Cash Advance Fee: See terms93
Cash Advance Regular APR: See terms93
Balance Transfer Intro APR: See terms93
Balance Transfer Regular APR: See terms93
Balance Transfer Fee: See terms93
Annual Fee: $093

Old Navy Credit Card Benefits

The credit card gives five points per every dollar spent at Old Navy and other Gap brands. If you are a cardholder of the Visa Credit Card version, then you will additionally earn 1 point per dollar on all purchases outside Old Navy. Also, cardholders will receive special offers and exclusive deals all year round. New cardholders can get a discount of 15% off their first purchases on the Old Navy card.

Old Navy Credit Card Drawbacks

First of all, the Old Navy Credit Card can only be used at brand stores. Even though the card gives good rewards per dollar spent, you won't be able to use them everywhere. Earned points can be redeemed at Old Navy and other Gap Inc. brands only. Another thing you may not like, is the card's interest rate. The interest rate on purchases is 25.24% and will vary with the Prime Rate. So if you tend to carry a balance from month to month, you may accumulate an unpayable debt.

Contact Information

Questions about your Old Navy Credit Card

Old Navy Card: 866-450-5294
Navyist by Old Navy: 866-450-5295

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Gap Inc./Synchrony Bank
PO Box 965004
Orlando, FL 32896-5004

Latest Credit Card Reviews

User Comments about Navyist Rewards Credit Card

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Got Upgraded!
I had simple Old Navy card for nearly 3 years. I shop there frequently and pay off everything on time. And a month ago i receive an UPGRADE offer that got me Old Navy visa card with $2500 limit and a coupon!!! I'm pleased with the card and looking forward for mooooore shopping
bad card
Horrible customer service woman was rude and made me wait forever. Also ridiculous interest rates practically just a robbery
Easy to earn many points and to redeem for cash. No bonus for applying but if you shop frequently you will earn much more.
card arrival
My payment for this card i just applyed is due but it still has not arrived and there is no opportunity to pay for it without a card!!! not even in-store! help!
Good card
Heard about fraudulent charges on the same card from one of my friends - set up email alerts and receive emails after every purchase. Card definitely works for me and i have no complains so far