30% off.
The Old Navy Credit Cards at a Glance
| Navyist Credit Card | ||
|---|---|---|
| Main Benefits | ? 30% off of your first purchase | |
| ? Free 3- to 5-day shipping on any online order from Old Navy, Gap, Banana Republic, and Athleta | ✔️ | |
| ✨ 20% bonus points each quarter | ✔️ | |
| ? Free basic alterations on Banana Republic purchases | ✔️ |
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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.
Highlights
- Enjoy 20% off your first purchase when you open an Old Navy Credit Card.
- 25.99% Variable APR on purchases.
- No annual fee.
- Earn 5 points for every $1 spent at Gap Inc.
- $5 Reward for every 500 points earned.
- Earn 20% bonus points each quarter.
- Redeem Rewards at any Gap Inc.
The rewards system assigns five points for each dollar spent at the company’s stores or online. Old Navy Visa card holders will earn one point for each dollar spent anywhere Visa is accepted. Every time a cardmember reaches 1,000 points, a $10 Reward Card is issued. Reward cards are different from Old Navy Super Cash.
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%.
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.
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. You will likely need a good credit score — a FICO® Score of 670, or close to that number to qualify.
Rewards Program Members may convert unused Old Navy Super Cash (a Cash Coupon) to Rewards points. Each dollar of the Cash Coupon value converts to 1 Reward Point. Rewards Program Members must convert unused Cash Coupon(s) to points within 30 days of the last day to redeem your Cash Coupon.
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.
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.
Points will expire if you don’t make at least one qualifying purchase within 12 months after earning them. Points have no monetary value.
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.
As of July 2021, the Navyist program is now one membership program that includes the entire Gap family of brands. That means any purchases you make at Old Navy, Gap, Banana Republic and Athleta are all applied to the same account, and you can redeem your points at any of the stores, as well.
Type your username and password into the text boxes on the Old Navy credit card login page and click on “Secure Login.” Choose “Rewards” from the “Rewards & Offers” drop-down menu. From this page you’ll be able to see your total available rewards and your rewards status.
Eligible program members receive free 3-5 day shipping on orders of $50 or greater. Icon members receive free 2. 3 day shipping on orders of $50 or greater.
No, Old Navy’s current policy does not allow cardholders to pay in-store. Individuals can pay their statement balance online, via the mobile app, by mail, or by phone.
On February 28, 2019, Gap Inc., announced that Old Navy and Gap Inc. would split into two companies, making Old Navy an independent company from Gap Inc. The move was designed to enable the consolidation of the company’s older brands, like GAP and Banana, with its newer Athleta and Hill City.
As part of the Gap Inc. Rewards Program, points earned when paying with a Gap Inc. Credit Card can be redeemed in 100 point, or $1, increments allowing for fast accumulation of rewards and quick redemption at Old Navy, Gap, Banana Republic, and Athleta.
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.
What credit score do you need for synchrony?
640-699
Synchrony mails prepaid offers to consumers who have at least a fair credit score (640-699). To receive a credit card through a pre-approved offer, you still need to apply. You can mail the application back or you can apply online or by phone. In the case of a store card, you can apply in person at the store.
What credit score does synchrony bank use?
Synchrony Bank uses all three major credit bureaus (TransUnion, Equifax and Experian) in order to assess your creditworthiness.