Key Takeaways. Old Navy offers both a closed-loop and open-loop card which is available based on your credit information. The Old Navy card can be used at any Gap brand to earn points within the rewards program. The card has an APR of 25.99%.
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Introduction. The Old Navy Credit Card*, issued by Synchrony Bank, is a store credit card that earns points that can be used across the Gap family of brands (Old Navy, Gap, Banana Republic, Athleta, Hill City, Gap Factory and Banana Republic Factory).
a 30% discount
Not only does the card score you a 30% discount on your first purchase at OldNavy.com made in the first 14 days of account opening, but it also awards you the points equivalent of 5% cash back at those stores. Plus, it doesn’t charge an annual fee.
No Annual Fee
No Annual Fee: There is no annual fee with the Old Navy Visa card. Exclusive Offers: Throughout the year, cardholders may also get presale access to sales as well as other special offers.
We recommend a FICO® Score of 620 or higher to apply for an Old Navy Credit Card. A fair credit score is usually necessary to get approved for a store credit card with Old Navy. The Old Navy Visa® Card has stricter requirements since it can be used outside of Gap Inc. brands.
Yes, you can use your Old Navy Credit Card anywhere Mastercard is accepted, and that’s pretty much anywhere that takes credit cards. More specifically, your Old Navy Credit Card is accepted at 10.7 million U.S. merchant locations and in more than 210 countries.
How Can I Pay My Old Navy Credit Card?
- Go to the Old Navy cardholder account services login page and log in with your username and password.
- Have your bank account number and the ABA routing number ready to pay your bill.
- Click on “Make a Payment” from the “Payments” menu.
- Follow the prompts to complete your payment.
How many credit cards should a person have?
It’s generally recommended that you have two to three credit card accounts at a time, in addition to other types of credit. Remember that your total available credit and your debt to credit ratio can impact your credit scores. If you have more than three credit cards, it may be hard to keep track of monthly payments.
The Old Navy Visa® Card can be used anywhere Visa is accepted. But the Old Navy Card is a closed-loop credit card. That means it can be used only at Old Navy and other stores owned by Gap Inc., including Gap, Banana Republic and Athleta.
The Old Navy Credit Card interest rate is 28.24% (V). This Old Navy Credit Card interest rate is variable, meaning it can change based on certain economic conditions. The Old Navy Credit Card gives you a 23-day grace period to avoid paying interest on your purchases.
There can be multiple reasons why your Old Navy credit card was cancelled. The most common – if you don’t use a credit card for a year or more, the issuer may decide to cancel the account. To find out exactly, give them a call at the number on the back of your card.
When applying for the Old Navy Credit Card, the issuer will most likely use TransUnion in order to assess your creditworthiness. The activity on your Old Navy credit card will be reported to the three major credit bureaus, TransUnion, Experian and Equifax on a monthly basis.
The credit score needed for the Old Navy Credit Card is 700 or better; this means you need at least good credit to get it. But you’ll need a score of 640+ (fair credit) to have a decent chance of being approved for the Old Navy Store Card.
Old Navy Visa Card
This is your basic step up from a store-branded credit card. The Visa distinction means this card can be used anywhere Visa is accepted. Old Navy Visa cardholders enjoy the same main benefits as Old Navy cardholders (above), PLUS: ? 1 point per $1 spent anywhere Visa is accepted.
Online: Log in to your online account to see your Old Navy Credit Card’s balance. Through the mobile app: Log in to the mobile app for iOS and Android. Your credit card balance will be shown on the home screen. Over the phone: Call (866) 928-8598 and follow the prompts to connect with a customer service representative.
Open a new Navyist Rewards Credit Card or Navyist Rewards Visa Credit Card to receive a 20% discount on your first purchase. If new Account is opened in Old Navy stores, discount will be applied to first purchase in store made same day.
The store will host promotional periods when customers can earn Super Cash vouchers. For example, if you spend $50, you’ll earn $20 in Super Cash. Shoppers can then redeem that Super Cash to save $20 on their next purchase. Old Navy will alert shoppers when a Super Cash promo period is coming up.
Call 866-450-5294 to make a payment by phone. Making a payment is free using a checking account and the automated system. You will need your Old Navy account number, your bank account number and the ABA routing number to complete the payment.
Points will expire if you don’t make at least one qualifying purchase within 12 months after earning them. Points have no monetary value.
Does canceling credit card hurt credit?
A credit card can be canceled without harming your credit score; just remember that paying down credit card balances first (not just the one you’re canceling) is key. Closing a charge card won’t affect your credit history (history is a factor in your overall credit score).
Does opening a credit card hurt your credit?
Opening a new credit card can temporarily ding your credit score. When a card issuer looks at your credit information because you’ve applied for a credit card, it is a so-called “hard pull.” That can lead to a slight drop in your credit score, whether you are approved or not.