Old Navy Credit Card Review

The Old Navy Credit Card, released by Synchrony Bank, earns 5 points per buck on all purchases at Old Navy, Gap, Banana Republic, Athleta, Hillside City, Void Manufacturing Facility and also Banana Republic Factory. Synchrony likewise provides a Visa variant of the card that earns 1 factor on all purchases, redeemable for merchandise at the Void Inc. family members of brands.

Eventually, the rewards-earning capacity of this card is limited by both a cap on the rewards you can make and the fact that benefits can just be retrieved toward goods purchases at the Void Inc. family of brand names. Lots of people would certainly be better offered by a card that gains flexible factors or cash-back incentives in a number of classifications.

Old Navy Credit Card
Old Navy Credit Card – FintechZoom

Annual Fee


Old Navy Credit Card Main Features

  • Enjoy 20% off your very first purchase when you open up an Old Navy Credit Card.
  • 25.99% Variable APR on acquisitions.
  • No annual fee.
  • Make 5 factors for every single $1 invested at Space Inc. brand names.
  • $ 5 Compensate for each 500 factors made.
  • Earn 20% reward factors each quarter.
  • Retrieve Incentives at any kind of Void Inc. brand.
  • Special deals throughout the year, plus very early access to preferred sales.
  • Zero fraud responsibility.


The Old Navy Credit Card, released by Synchrony Bank, is a store credit card that gains points that can be utilized throughout the Space household of brands (Old Navy, Gap, Banana Republic, Athleta, Hill City, Gap Factory as well as Banana Republic Factory). The card can be found in 2 variants: An in-store credit card that can only be used at Gap Inc. stores and also a Visa card that can be made use of anywhere Visa is approved.

The card provides a benefits program in which cardmembers earn 5 points per dollar spent at Space Inc. brand names, redeemable for in-store credit score. Furthermore, after earning 5,000 factors, the card will be upgraded to the Navyist credit card, which provides free delivery at qualified Old Navy brands, a factors reward as well as complimentary basic modifications at Banana Republic.

At a Look:

  • Gain 5 points per dollar spent at Gap Inc. brand names
  • Make a $5 incentive for every 500 factors earned
  • Unique deals throughout the year
  • Early accessibility to prominent sales
  • Zero scams liability


The Old Navy Credit Card gains rewards as in-store credit rating towards the purchase of merchandise. Rewards can be retrieved at any one of the Space Inc. brand names. Space Inc. brand names consist of Old Navy, Void, Banana Republic, Athleta, Hillside City, Space Manufacturing Facility as well as Banana Republic Factory

This card gains 5 points per dollar spent on acquisitions at the Space Inc. family of brands, consisting of Old Navy, Space, Banana Republic, Athleta, Hill City, Space Manufacturing Facility and Banana Republic Factory.

In addition, the Visa version of this card earns one factor for every single buck invested at all various other vendors.

Once you have actually made 5,000 factors, your account will be upgraded to the Navyist Credit Card, as well as you will certainly gain a 20% benefit on your factors gained each quarter. You can manage your account here.

Compensatory Incentives

Rewards will certainly be immediately provided with each declaration in which you have actually accumulated 500 or more points. Incentives are released in increments of $5, with an optimum benefit certificate value of $50. As an instance, if you make 6,000 factors in one declaration cycle, you will certainly obtain one incentive certification for $50 and one for $10.

You can retrieve approximately 3 rewards on a solitary product bought in store or through mail, and also up to 5 rewards for an order positioned on-line or through phone.

Each incentive certification is provided with its own expiry date. No more than $250 in rewards will be provided on any invoicing cycle. Any factors that are not issued as benefits will certainly roll over to the next invoicing cycle.

Old Navy Credit Card Pros

Due To The Fact That the Old Navy Credit card earns 5 points per dollar on purchases spent at Old Navy as well as the Gap Inc. household of brands, a lot of the reward potential originates from spending at those stores.

Utilizing information from numerous government firms, Forbes Consultant has actually established price quotes for how much a household in the 70th percentile of income spends each year in different classifications. The 70th percentile of wage-earning families generates $100,172 each year as well as invests $2,377 at outlet store. For the functions of this calculation, we’ll think that half of that is spent within the Gap Inc. household of brands.

For the objectives of calculating incentive potential, we assume that you will certainly make a 20% discount rate off a $250 acquisition when opening up the card which you value price cuts on goods the same as you would certainly a cash-back benefit. Further, we presume that you are just utilizing this card for clothing acquisitions, as there are numerous credit cards without any annual cost that make much more charitable 1.5% or 2% cash-back rewards on general acquisitions.

In the first year, the reward possibility for this card is:

  • $ 50 discount rate on your $250 acquisition
  • $ 55 in benefits for your very first $1,000 in purchases at Space brand names

If you invested this much at Void Inc. shops making use of the card, you would certainly be upgraded to the Navyist credit card, so the incentives gained in your second year of card subscription would be $65. Keep in mind that you require to gain the 5,000 benefits for Navyist within a fiscal year, suggesting you efficiently would need to spend over $1,000 annually at Space Brands.

Various Other Card Benefits

Along with earning points for acquisitions within the Gap Inc. family of brands, the card offers a couple of advantages for constant Old Navy consumers.

  • Exclusive deals throughout the year
  • Early accessibility to prominent sales

When you are upgraded to the Navyist credit card after gaining 5,000 factors in a fiscal year, you gain the following advantages:

  • Free delivery: Free three to five day delivery on any kind of online order from Old Navy, Space, Banana Republic as well as Athleta.
  • Free fundamental alterations on Banana Republic purchases: Banana Republic will certainly shorten hems on trousers, skirts and gowns completely free.
  • Exclusive toll-free concern line: Cardmembers can access a priority telephone customer support line.
  • APR: 25.99% variable.
  • Annual Charge: N/A.
  • Foreign Deal Cost: 3% of each purchase.
  • Equilibrium Transfer Costs: N/A.
  • Cash Advance Fee: Either $10 or 5% of the amount of each cash loan, whichever is better.

While the Old Navy Credit card needs you to earn points as well as retrieve benefits in increments of $5, the Target Red Card gives a prompt 5% off Target in store or on-line acquisitions. This awards framework is much better than making points as well as compensatory certificates since you get the benefit of using the card immediately and also on every purchase.

Additionally, the Target Red Card uses ongoing perks from your initial day of card subscription, consisting of cost-free shipping from Target.com and also an additional 30 days to return items you purchase.

Old Navy Credit Card Cons

  • Rewards only redeemable from Gap Inc.
  • You need to earn 5,000 points before accessing point bonus and free shipping benefits

Old Navy Credit Card * vs. Chase Freedom Unlimited ®

The Chase Flexibility Unlimited ® is a no-annual-fee card that makes 5% cash money back on traveling acquired through Chase Ultimate Incentives ®, 3% cash back on eligible eating as well as drugstores as well as 1.5% on all other acquisitions. If your spending patterns resemble a lot of Americans, the approximately 5% money back on traveling, eating, medication stores and more will certainly be far more useful than 5% at Space Inc. brands.

If you aspire to make adaptable points that you can retrieve for travel rewards, the Chase Freedom Unlimited ® is a great initial step into the world of transferable factors. You can earn cash money back today and upgrade to earning Chase Ultimate Rewards ® points if you combine it with one of Chase’s premium cards in the future.

Old Navy Credit Card * vs. Citi ® Double Money Card.

For those desiring worth and simplicity in a no yearly fee card, it is tough to defeat the Citi Dual Cash. The Citi Dual Money gains 2% cash money back on all purchases– 1% when acquisitions are made and another 1% when they’re paid off.

If you’re approved for the Citi Double Money, you’ll be trading 5% back on a fraction of your spending at Old Navy brands for 2% cash back on all qualified acquisitions. If you utilize this credit card for all of your day-to-day purchases, the incentives you make from carrying the Citi Double Money will quickly overshadow what you can have gained using the Old Navy Credit Card.

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