If you’re a frequent shopper at Old Navy, you might be wondering whether getting an Old Navy Credit Card is a good idea. From rewards to credit score requirements, this guide covers everything you need to know about the Old Navy Credit Card in the USA.
Does Old Navy Still Have a Credit Card?
Yes! Old Navy still offers a credit card through Barclays, previously issued by Synchrony Bank. The card provides exclusive perks for Gap Inc. brands like Old Navy, Gap, Banana Republic, and Athleta.
What Are the Benefits of the Old Navy Credit Card?
Here’s why many shoppers consider applying:
- 5 points per $1 spent at Old Navy, Gap, Banana Republic, and Athleta.
- 1 point per $1 spent everywhere else (if using the Old Navy Mastercard).
- No annual fee.
- Special cardholder discounts and bonus point events.
- Free shipping benefits when shopping online.
What Credit Score Is Needed for an Old Navy Credit Card?
To qualify for the Old Navy Credit Card, you typically need a fair to good credit score. Here’s a breakdown:
- Old Navy Store Card: Requires a credit score of around 620 or higher.
- Old Navy Mastercard: Requires a score of 670 or higher.
How Hard Is It to Get an Old Navy Card?
The Old Navy Credit Card is relatively easy to get if you have at least fair credit (620+). However, approval also depends on factors like:
- Your income.
- Existing debts.
- Credit history length.
- Recent hard inquiries on your credit report.
If you’re new to credit, you may qualify for the Old Navy Store Card, which can only be used within the Gap Inc. network.
How to Apply for an Old Navy Credit Card
Applying is simple and can be done online or in-store:
- Visit the Old Navy Credit Card website.
- Fill out the application with your personal details.
- Submit and wait for approval, which may be instant or take a few days.
Is the Old Navy Credit Card Worth It?
The Old Navy Credit Card is great for frequent Old Navy and Gap Inc. shoppers, but consider:
✔ Best for: Those who shop regularly at Old Navy or Gap brands.
✖ Not ideal for: Those who prefer flexible rewards or lower interest rates.
If you’re a loyal Old Navy shopper, the Old Navy Credit Card can help you earn rewards and enjoy exclusive discounts. Just make sure to:
- Pay your balance in full to avoid high interest rates.
- Check your credit score before applying to boost your chances of approval.
- Maximize rewards by using the card strategically.
Thinking about applying? Make sure it fits your shopping habits and financial goals!