Old Navy Credit Card

Apply for Old Navy Credit Card

Earn 5 points for every $1 spent at Old Navy, Gap, Banana Republic and Athleta.

Earn 1 point for every $1 spent everywhere else you use your card.

Get $5 Rewards Card for every 500 points you earn.

Get 25% off on your first purchase upon approval.

Earn 500 bonus Rewards points if you Go Paperless.

Earn 500 bonus rewards points when you sign up for email updates.

Reach Navyist status by earning 5,000 points in a calendar year and you’ll have access to exclusive extras.
Rate Detail
Type Rewards First Use 25% off
Store Bank
Intro APR Balance Transfer APR
Regular APR 25.24% (V) Annual Fee None
Rewards 5pts./$1 on brand + 1pts./$1 others. 500pts.=$5 Credit Levels
Excellent, Good
Network Visa Avg.Rating

All info comes from Old Navy , which is subject to change according to their updates. Terms and Conditions may apply.


Robin Schwartz

This is one of the few credit cards that give you usable rewards on a regular basis, based on your spending. You do need to use the rewards money at Old Navy/Gap/Banana Republic though. So, if you don't shop there enough, it's not worth it. The variable rate is what makes this card only 3 stars - it's typically 24.99% despite credit rating. I've called for reductions and they flat out won't do it. Also, when you are using the rewards cash, they now make you pay WITH your credit card. They used to let you use a debit card or cash. Not any more.

Heather Sorsby

Applying for this card in store was super easy, and it's a great card as long as you plan on paying off your balance each month. Otherwise, it's high interest rates and negates your in store savings (usually 15-30% each month). The rewards are great though, offering 5 points for every dollar spent. I highly recommend this card if you frequently shop at Old Navy, Gap and Banana Republic.

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