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Old Navy Credit Cards Review

Old Navy Credit Cards Review

*Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any credit card issuer. This site may be compensated through a credit card issuer partnership.

This article was last updated Dec 26, 2019. Terms and conditions may have changed. For the most accurate information, please consult the issuer website.

If Old Navy is your go-to store for a wardrobe refresh, you might be interested in signing up for an Old Navy credit card. There are two available: the Old Navy Visa Credit Card and the Old Navy Card. The former can be used anywhere Visa is accepted, while the latter is a store card you can only use at Old Navy. We’ll break down where you might find them useful and when you might want to consider going with a general-purpose cashback card instead.

In this article:

Where the Old Navy credit cards stand out

Chance to earn more points. The base rewards rate on the Old Navy Visa Credit Card is 5 points for every $1 spent on Old Navy and related brands, in-store, and online and 1 point per $1 spent elsewhere. For the Old Navy Card, the base rewards rate is also 5 points for every $1 spent on Old Navy and related brands, in-store, and online. Related brands included are Athleta, Banana Republic and Gap.

Both cards offer the chance to reach Navyist status by earning 5,000 points in a calendar year. Navyist status means you’ll receive 20% extra reward points every quarter.

Navyist status also comes with the following perks:

  • Free shipping for online orders at Old Navy, Athleta, Banana Republic and Gap when you use the code NAVYIST.
  • Free basic alterations on Banana Republic purchases.
  • A private, priority toll-free line: 866-450-5295.

Additional benefits

Earn up to $10 in bonus rewards. When you share your email address with Old Navy, you can earn 500 points. You can earn another 500 points for enrolling in paperless billing. That’s a total of 1,000 points, which is equivalent to $10 in rewards.

Potential for easier approval. Store credit cards tend to be more friendly to applicants with less-than-stellar credit histories. If you’re working to rebuild your credit, you may be more likely to be approved for the Old Navy Card, and could use it to build a responsible payment history.

Where the Old Navy credit cards fall short

You might only get a store card. You’ll find out after applying if you’re approved for the Old Navy Visa Credit Card or the Old Navy Card. There’s no guarantee you’ll get the Visa — which means you could end up with a store card you can’t use on outside purchases.

Limited rewards. For every 500 points you accrue, you’ll get $5 in rewards value. That means each point is worth 1 cent. When shopping at Old Navy and related brands, you’re effectively earning a 5% rewards rate, which is generous. But the Old Navy Visa Credit Card will only earn an effective 1% rate elsewhere, and you can’t use the Old Navy Card anywhere else.

Limited redemptions. Your rewards can only be redeemed toward purchases at Old Navy and related brands. Having a card that allows you to earn cash back into your bank account, or miles toward airline tickets, would offer more flexibility.

Read: How Credit Card Points & Miles Work

High APR. The regular purchase APR for the Old Navy Visa Credit Card is 27.49% variable. For the Old Navy Card, it’s also 27.49% variable. We always recommend paying your balance in full each month, but if you need to revolve a balance from month to month, you should know the high APR on these cards means you will be hit with expensive interest charges.

Points expire. If you go 24 months without making a purchase on your card, your points will expire.

Compare them with the Citi® Double Cash Card – 18 month BT offer

The Citi® Double Cash Card – 18 month BT offer is one of the front-runners when it comes to flat-rate cashback credit cards. No matter where you’re shopping, you’ll earn a competitive rewards rate.

Here’s how it stacks up against the Old Navy credit cards:

Old Navy Visa Credit Card Old Navy Card Citi® Double Cash Card – 18 month BT offer
Rewards 5 points for every $1 spent on Old Navy and related brands, in-store, and online and 1 point per $1 spent elsewhere. 5 points for every $1 spent on Old Navy and related brands, in-store, and online. Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay..
Regular purchase APR 27.49% variable 27.49% variable 13.99% – 23.99% (variable)
Annual fee $0 $0 $0
Foreign transaction fee 3% of each transaction. N/A 3%

It’s true the Old Navy credit cards earn more than the Citi® Double Cash Card – 18 month BT offer as long as you’re shopping at Old Navy and retailers in the same family of brands. But the Citi® Double Cash Card – 18 month BT offer earns more everywhere else — and even if you shop a lot at Old Navy, it’s probably not the bulk of your spending overall. Plus, you can redeem the cash back you earn with the Citi® Double Cash Card – 18 month BT offer as a statement credit, by direct deposit or check or converting it to ThankYou® points.

The bottom line

If you love Old Navy and related stores — Athleta, Banana Republic and Gap — the Old Navy Visa Credit Card and Old Navy Card offer some great perks. But beware of carrying a balance on either card as they both come with very high APRs, which can make it difficult to pay off over time.

In most cases, a better choice is probably to apply for a cashback or travel card, if you can qualify. The Citi® Double Cash Card – 18 month BT offer is a good choice. You’ll earn 2% cash back on purchases: 1% when you buy plus 1% as you pay. This means you’ll be able to earn a better rate when shopping outside Old Navy, and you’ll also have more flexibility in how you can redeem your rewards.


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