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Old Navy Credit Card Review

Old Navy is a popular option for clothing shoppers of all kinds. Who does their credit card make the most sense for?

Old Navy is paradise for bargain hunters, especially those looking for stylish and inexpensive children's clothing that doesn't evoke buyer's regret when they are outgrown months later.

Old Navy's upscale sister – The Gap – has long provided a classic, casual American styles and extended their Gap Inc empire by founding Old Navy in 1994.

The new enterprise, named after a bar in Paris, hit a record $1 billion in sales within its first four years of business.

Gap Inc also owns the Banana Republic and Athleta brands, as well as the Intermix designer series and Weddington Way, a virtual showroom for bridesmaid dresses.

About Old Navy

Old Navy Headquarters

2 Folsom St
San Francisco, CA 94105

Old Navy Customer Relations

6007 Green Pointe Drive
Groveport, OH 43125
US toll-free:800-653-6289
International: 614-744-3908
Dial 711 for relay service
Hours: Every day from 7am to 1am EST

Old Navy Cardholder Customer Service:

Gap Inc/Synchrony Bank
PO Box 965004
Orlando, FL 32896-5004
Old Navy Card: 1-866-450-5294
Navyist by Old Navy: 1-866-450-5295

Old Navy Credit Cards

Like most modern retailers, Old Navy offers a store brand credit card as well as an Old Navy Visa.

The basic difference is the store brand card can only be used at Gap Inc stores and the Visa card can be used anywhere that accepts Visa.

Both cards have only one application so which card you are granted is based entirely on credit worthiness – those with higher credit scores are more likely to be approved for the Visa.

old navy credit card

Learn more about the differences betweenstore brand cards and credit cards here.

The Old Navy credit cards are most beneficial to those who shop very frequently at Gap Inc affiliated stores and can save money on purchases through the Gap Inc Rewards Program.

Gap Inc Rewards Program

The Old Navy Rewards Program is point system earned through purchases made online or inside Gap Inc affiliated stores (Gap, GapBody, BabyGap, GapKids, Gap Maternity, Gap Outlet, Gap Factory Store, Banana Republic, Banana Republic Factory Store, Old Navy, or Athleta), and Visa purchases made anywhere for Old Navy Visa cardholders.

Upon approval, Old Navy cardholders receive 15% off their first purchase made within 90 days either online or at any Old Navy store.

There is also 500 point bonus for making your account paperless and another 500 points for signing up for email updates.

Gap Inc Rewards Program

Here are the details:

$1 spent at Old Navy, The Gap, Banana Republic or Athleta = 5 points
$1 spent anywhere using Old Navy Visa = 1 point
500 points = $5 credit at Gap Inc stores

Text Me My Rewards

Gap Inc also offers a program called "Text Me My Rewards" where cardholders receive news on their rewards, or any Rewards Program updates, texted to their mobile device.

Navyist Status

Navyist status is reserved for shoppers who have earned 5,000 or more rewards points in one calendar year.

The benefits include 20% more points quarterly, 3-5 day free shipping on online orders and free basic alterations on Banana Republic items, as well as exclusive shopping offers.

Other qualifiers are to pay at least the minimum payment on your Old Navy card after achieving 5,000 points and to maintain your account in good standing.

navyist screenshot

Parents love to shop online for kids

Synchrony Financial

Old Navy credit cards join a majority of other store brand cards issued by Synchrony Financial. This institution does not always receive great reviews on their policies or customer service.

Daunting Interest Rates

No surprise that both Old Navy credit cards have high-interest rates.

Most store brand cards do.

The Variable Purchase APR is 25.74% and the minimum interest to Synchrony Financial is $1 for the Old Navy card and $1.50 for the Old Navy Visa.

Variable purchase apr is 25.74%

Low Initial Credit Limits

Credit limits, like card approval, are based on your creditworthiness.

If your FICO score is low (around 600) you may only be approved for $200 on an Old Navy store brand credit card, however, if you make your payments on time you can ask to have your credit limit raised.

It is rare that applicants receive an initial credit limit over $1,000.

credit score info

How to Apply

You can apply for an Old Navy credit card at the store or online.

There is one application for both cards and which one you are approved for depends entirely on your creditworthiness.

how to apply screenshot

The online application is easy and requires your contact information, annual net income and Social Security Number.

Card Eligibility Requirements

To apply for an Old Navy card, you must be 18 years old, reside in the U.S., have no bankruptcies or history of credit card denial by Synchrony in last six months.

However, to qualify for the Old Navy Visa card, your credit score must be higher.

Check your credit score online now for free here.

Other factors Synchrony Financial will consider are debt-to-income ratios, credit inquiries and current credit amounts.

screenshot rewards page

Account Management

Old Navy credit card accounts are managed through the Synchrony Financial portal on the Old Navy website. By creating an account, you can see view your account activity, balances, and rewards, as well as change your information and make payments. You can also add authorized users to your account.

Approval Wait Times

If you apply for your Old Navy credit card in the store, the representative should be able to tell you if you have been approved instantly.

Online applications can take a few weeks.

How can I check the status of my credit card application?

To check the status of your credit card application, contact customer service at 1-866-450-5294.

Payment Options

There is a 23 day grace period after each purchase before interest kicks in.

Old Navy Credit Cards are issued by Synchrony Financial so all account management of cardholders must be done by mail or online. You cannot make credit card payments at any Gap Inc store including Old Navy.

Mail check or money order to:

Old Navy Credit Cards
Synchrony Bank
P.O. Box 960061
Orlando, FL 32896-0061

Old Navy Visa Cards
Synchrony Bank
P.O. Box 960013
Orlando, FL 32896-0013


You can pay online through your Old Navy account using electronically submitted payments from your financial institution.

manage account screenshot


Synchrony Financial charges a fee for phone payments, but if you must use the service, the number is 1-800-427-7895.

Minimum Payments

The minimum payments due on Old Navy credit cards is the greater of $25 or past due amounts plus interest/late fees.

However, your minimum payment will never be larger than your new balance.

Late Payments

Paying your Old Navy credit card bill late will cost you $27-$37.

Make sure you mail payments a week ahead of the due date.

Old Navy also reports late payments to the credit bureau so not paying on time will ding your credit rating.

late fees

The more kids the greater the order

The Pros & Cons


  • Can qualify with a low credit score
  • 15% discount on first time purchase
  • No annual fee
  • 5 points for each $1 spent at participating stores
  • $1 for each $1 spent in stores that accept Visa cards

pros icons


  • Risk of deferred interest rates
  • High APR
  • 3% foreign transaction fee

cons icons

Customer Reviews

online shopping quote

Pain Points

  • pain point icon

    The complaints from customers are less about Old Navy the store and more about Synchrony Financial, the bank that issues their credit cards.

Payment Pending

There are many outraged cardholders online who feel like Synchrony purposely processes payments at a snail's pace in order to reap late payments.

Synchrony regularly reports to the credit bureaus so late payments can lower your credit score, and since you cannot make payments in the store, customers feel like the payment processing is less transparent.

Customer Service

There are many Old Navy cardholders who have had horrible customer service experiences dealing with Synchrony Financial.

From their complex automated system to difficulties paying online to rude customer service agents on the phone, there are horror stories galore.

High APR & Low Credit Limits

Another popular complaint is about the very high-interest rates and the low credit limits which average around $500.

Happy Campers

  • old navy strengths icon

    On the other end of the spectrum are cardholders who absolutely love the rewards they receive from their Old Navy credit cards.

More Than One Store

Customers enjoy that the Old Navy card can be used at the Gap Inc affiliated stores and that they can accrue 5 points shopping at Gap, Banana Republic, and Athleta as well as Old Navy.

Combining Sales with Rewards

Many cardholders also take advantage of the great sales Old Navy and the other stores offer and use their rewards for ridiculously low-priced purchases.

Online Ratings

  • WalletHub: 2.5 out of 5
  • Credit Karma: 2.3 out of 5
  • Consumer Affairs: 1 out of 5
  • Credit Card Insider: 2 out of 5

online ratings


What can I use my Old Navy credit card for?

Old Navy Store Brand credit cards can be used to purchase merchandise online or in-store at any Gap Inc affiliated store: Gap, GapBody, BabyGap, GapKids, Gap Maternity, Gap Outlet, Gap Factory Store, Banana Republic, Banana Republic Factory Store, Old Navy, or Athleta.

Where can I use my Old Navy credit card?

The Old Navy Store Brand credit card can be used online or inside any Gap Inc affiliated store Gap, GapBody, BabyGap, GapKids, Gap Maternity, Gap Outlet, Gap Factory Store, Banana Republic, Banana Republic Factory Store, Old Navy, or Athleta in the U.S., Canada or Puerto Rico.

Old Navy Visa cards can be used anywhere that accepts Visa payments.

How long does it take Old Navy to refund my credit card?

If you pay by mail, you are asked to wait 7-10 days, but online payments made before midnight will be posted the same day.

How can I check my Old Navy credit card balance?

The easiest way to manage your Old Navy account, including checking balances, is online through the Gap Inc Synchrony portal.

Can I get a cash advance from Old Navy credit card?

Only the Old Navy Visa cards offer cash advances and the fee is the greater of $10 or 4% on top of the APR of 27.74%.

Can I pay for my Old Navy credit card with a debit card? Or PayPal?

Synchrony Financial only accepts checks or money order payments mailed or electronically submitted payments online from your bank.

Can I use my Old Navy credit card without the card?

Yes, if you have photo identification the salespeople can look up your card for you.

How to add an authorized user to Old Navy credit card?

Add an authorized user to your Old Navy credit card by logging into your Old Navy Account and selecting the Add Authorized User menu item.

Are there any upgrades on Old Navy credit card?

Old Navy cardholders can be upgraded to Navyist status by collecting 5,000 or more rewards points in one year. Navyists receive 20% more points quarterly, 3-5 day free shipping on online orders and free basic alterations on Banana Republic items, as well as exclusive shopping offers.

How soon can I use my Old Navy credit card once I receive it?

Your Old Navy card can be used as soon as you it has been activated through your online account or over the phone at 1-800-653-6289.

How to contact Old Navy credit card services?

Gap Inc/Synchrony Bank
PO Box 965004
Orlando, FL 32896-5004
Old Navy Card: 1-866-450-5294
Navyist by Old Navy: 1-866-450-5295

How can I increase the credit limit on Old Navy credit card?

If you have been paying your bills on time, you can contact customer service at 1-866-450-5294 and ask about having your credit limit increased.

How to report a stolen Old Navy credit card?

If your credit card is lost or stolen, contact Old Navy immediately at 1-866-450-5294.

How can I cancel my Old Navy credit card?

You can close your Old Navy credit card or Visa card account by mail or by phone, however, you are still responsible to pay the balance on your card.

Can someone co-sign for an Old Navy credit card?

You can add someone to your Old Navy credit card account, but there is no section to add a co-signer on the application form.

Can I use my card overseas/abroad? If yes, what are the related fees?

Old Navy credit cards can be used in Canada and Puerto Rico, and the Old Navy Visa can be used anywhere that accepts Visa outside of the U.S. for a 3% foreign transaction fee.

Which credit bureaus does Old Navy credit card report to?

Old Navy credit cards are issued by Synchrony Financial who will report any late payments or defaults to all three credit bureaus: Equifax, Experian and TransUnion.

What credit score do I need to get approval for a Visa card?

Your credit score should be at least 600 to be approved for an Old Navy Visa.

Is there a time limit to redeem the rewards?

Yes, rewards points must be used within 24 months or you lose them.

Can the rewards points be used to pay off my credit card bill?

No, your reward points can only be used toward a purchase in a Gap Inc affiliated store.

Aside from the interest rates and late fee, are there any hidden fees on this card?

Although there is no annual fee, there are costs involved depending on how you use your card.

To receive a cash advance on your Old Navy Visa, you will pay either $10 or 4% on top of the APR of 27.74%. There is also a 3% foreign transaction fee for any purchases made outside of the U.S.

Is it worth getting the Old Navy if I don't shop there or at its affiliate stores often?

Not at all. Not only is the APR very high, but you could damage your credit if you do not pay your card off monthly.

Will I be charged for shipping if I use my credit card online?

Yes, unless you have achieved Navyist status by collecting 5,000 or more in one year. This upgraded status allows you free 3-5 day shipping.

What credit score do I have to maintain so my account is not closed?

Synchrony Financial will continue to check your credit and if your score falls, they can either lower your credit limit or close your account altogether. Try to maintain a credit score of at least 600 to avoid these measures.

Will my credit score drop when my account gets closed?

Unfortunately, it can. There have been complaints about accounts with no balances being closed without explanation.

Can I cancel the e-bill and go back to paper statements?

You can change your information on your account profile to receive paper statements, but you cannot re-enroll to the program to get another 500 reward points.

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The credit card offers that appear on this site are from credit card issuers from which receives compensation. This compensation may impact how and where products appear on this site, including the order in which they may appear within listing categories. does not include all credit card offers that might be available to consumers in the marketplace.

Editorial Note:

Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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