WalletHub Rating
3.8/5
Old Navy Credit Card has a rating of 3.8/5 according to our proprietary credit card rating system. This rating reflects how appealing Old Navy Credit Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Earn Rewards (Store Cards)'. To break it down further, Old Navy Credit Card earned a score of 5.0/5 for Fees, 3.7/5 for Rewards, 3.8/5 for Cost, and 2.6/5 for User Reviews.Info about the Old Navy Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
WalletHub Rating Breakdown
User Reviews
2.6/5
347 reviewsRead and write reviews
Editor’s Review
4.7/5
John Kiernan, Credit Card EditorRead full review
Market Comparison
Market Comparison
3.8
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Earn Rewards (Store Cards)” for this card.
Fees
5.0
Rewards
3.7
Cost
3.8
Other Features
0.0
3.8/5
Compared against 1,500+ credit cards
KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit
Annual Fee
$0
APR on Purchases
29.99% (V)
Balance Transfer
APR: 29.99% (V)
Balance Transfer Fee
Rewards
Receive 30% Off your first purchase at Old Navy with your card within 14 days of account opening.
Earn 5 Points for every $1 spent at Gap, Banana Republic, Old Navy, and Athleta, and 1 Point for every $1 spent on all Mastercard purchases made outside the family of brands.
100 Points = $1 Reward redeemable across the family of brands, no merchandise restrictions.
Free Fast Shipping on all online orders $50 or more.
Cardmembers will unlock the Icon membership status on total qualifying purchases of $1,000 at family of brands or by earning 5,000 base points (points earned excluding bonus points) during a calendar year. Terms apply.
Old Navy Credit Card's Additional Info
Early Access to select sales.
Members Only Exclusive Offers.
By applying, you agree that you’ll first be considered for the Old Navy Credit Card which can be used anywhere Mastercard is accepted. If not approved for the Old Navy Credit Card, you’ll then automatically be considered for the Old Navy Store Card which can be used across all Gap Inc. stores and online.
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Learn More
at Barclays Bank US' secure site
Editor's ReviewFact checked
Fact checked
John Kiernan, Managing Editor
July 30th, 2024
Fact Checked by Alina Comoreanu
Senior Researcher
Old Navy Credit Card Pros & Cons
No membership fees
High rewards rate
30% discount initial rewards bonus
No intro APR on purchases
No intro APR on balance transfers
Foreign fee
Requires good/excellent credit
Old Navy Credit Card Review
4.7 / 5
- Pretty sweet welcome presents. Not only will you receive 30% discount on the first purchase that you make with your Old Navy Credit Card, but you’ll also get 250 bonus points each quarter that you make a purchase at the family of brands. That’s a lot of value there for the taking, providing reason enough to apply for the Old Navy Card.
- 5% back at a quartet of retailers. You will earn 5 points per $1 spent at Old Navy, Gap, Banana Republic and Athleta. That equates to 5% back, considering 100 points are worth $1 in store credit. In other words, the Old Navy Card gives you just as much rewards value as other leading retail-affiliated credit cards, while giving you more flexibility in terms of where you can shop and what you can redeem earnings for.
- Bad if you don’t pay in full. The Old Navy Credit Card was built for rewards, not carrying a balance from month to month. After all, it doesn’t offer a 0% introductory rate and its regular APR is a lofty one. That’s well above even the 26.85% charged by the average credit card for fair credit, according to WalletHub’s latest Credit Card Landscape Report. So do yourself a favor and plan to always pay your monthly Old Navy Card bills in full.
- Mastercard or store depends on your score. There are actually two different Old Navy Credit Cards: the Old Navy Mastercard Credit Card and the Old Navy Store Card. But you don’t get to choose between them. The issuer, Barclays Bank US, decides that for you, based on your overall creditworthiness. People with good or excellent credit typically get the Old Navy Mastercard Card, while those with fair credit get the store card. Fortunately, the only real difference in their terms is the fact that you get 1 point per $1 spent outside the Old Navy family with the Mastercard, while you can only use the store card at affiliated brands. You can check your credit score for free on WalletHub to see which Old Navy Card is most likely in your future.
- No annual fee. Neither Old Navy Credit Card charges an annual fee, which is obviously good news for your wallet. Just bear in mind that this is not unique. Most store-affiliated credit cards don’t have annual fees.
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Compare The Old Navy Credit Card vs. Popular Alternatives
 Old Navy Credit Card |  Wells Fargo Active Cash® Card |  Blue Cash Everyday® Card from American Express |
|---|---|---|
3.8WalletHub Rating WalletHub Rating 3.8 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.7 User Reviews 2.6 Market Comparison 3.8 fees: 5.0 rewards: 3.7 cost: 3.8 Other Features: 0.0 | 4.4WalletHub Rating WalletHub Rating 4.4 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 5.0 User Reviews 3.2 Market Comparison 4.4 fees: 3.8 rewards: 4.7 cost: 4.7 Other Features: 0.0 | 4.1WalletHub Rating WalletHub Rating 4.1 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.2 User Reviews 3.6 Market Comparison 4.2 fees: 4.3 rewards: 5.0 cost: 4.3 APR: 3.8 |
annual fee$0 | annual fee$0 | annual fee$0 |
rewards rate | rewards rate | rewards rate |
bonus offer | bonus offer | bonus offer |
Purchase Intro APRNot Offered | Purchase Intro APR0%for15 months from account opening | Purchase Intro APR0%for15 months |
transfer intro aprNot Offered | transfer intro apr0% for 15 months from account opening on qualifying balance transfers|Transfer Fee: 3% intro for 120 days, then up to 5% (min $5) | transfer intro apr0% for 15 months|Transfer Fee: 3% (min $5) |
Regular APR29.99% (V) | Regular APR20.24% - 29.99% Variable | Regular APR19.24% - 29.99% (V) |
Sponsored Apply Now | Sponsored Apply Now Terms Apply |
Questions & Answers
Can't find what you are looking for? Submit your question about Old Navy Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
Most Popular
How can I pay my Old Navy Credit Card?
Reply
9
Maria Adams, Credit Cards Moderator
@m_adams
You can make Old Navy Credit Card payment online, by phone, through the Barclays mobile app or by mail. To pay Old Navy Credit Card bill online, log in to your online account and click on “Make a Payment.” Then, choose how much to pay, when to pay it, and where the payment is coming from. Barclays does allow cardholders to set up automatic payments, too.
Ways to Make Old Navy Credit Card Payment
- Online: Log in to your online account and click on “Make a Payment.”
- By phone: Call 1-877-523-0478 and enter your card information when prompted, then follow the prompts to make a credit card payment.
- Through the mobile app: Log in to your account and select your card, then tap the payment button.
- By mail: Send a check or money order (but not cash) to
Card Services
P.O. Box 13337
Philadelphia, PA 19101-3337.
Make sure to send it early enough that it will arrive by the due date. Write your credit card number on the check, too.
In conclusion, there are multiple ways to make a Old Navy Credit Card payment, so just choose whichever method is easiest for you. The important part is to not miss payments, as that can seriously damage your credit score.
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8
Upvotes
What credit score do you need for the Old Navy Credit Card?
Reply
8
Maria Adams, Credit Cards Moderator
@m_adams
You need a credit score of 700+ to get the Old Navy Credit Card. This means at least good credit is required for approval. On the other hand, you'll need a score of 640+ (fair credit) to have a decent chance of being approved for the Old Navy Store Card.
Your credit score is used to gauge your credit standing and is a key indicator to the type of card for which you'll be approved for. However, a credit score...
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2
Upvotes
Is Old Navy Credit Card a Visa or Mastercard?
Reply
Lisa Cahill, Credit Cards Moderator
@lisacahill
Old Navy Credit Card is a Mastercard, not a Visa. You can use your Old Navy Credit Card at nearly 11 million merchants that accept Mastercard nationwide, and you can use it abroad in more than 200 countries and territories.
There are a few differences between Mastercard and Visa credit cards, such as the network-level benefits they offer, but those differences are relatively small. The two card networks have a lot in common, including extensive worldwide acceptance. As a result, it's more...
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18
Upvotes
Can I use my Old Navy Credit Card anywhere?
Reply
18
11
WalletHub
@WalletHub
Yes, you can use your Old Navy Credit Card anywhere Mastercard is accepted, and that's pretty much anywhere that takes credit cards. More specifically, your Old Navy Credit Card isacceptedat 10.7 million U.S. merchant locations and in more than 210 countries and territories, abroad.
The Old Navy Store Card, on the other hand, can only be used at Old Navy, Athleta, Banana Republic, and Gap. That's because it is a store card and it can only be used at the merchants the...
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8
6
22
Upvotes
How do I cancel my Old Navy Credit Card?
Reply
22
15
WalletHub
@WalletHub
You can cancel your Old Navy Credit Card by calling customer service at(866) 928-8598or the number you see on the back of your card. The same method applies if you want to cancel your Old Navy Store Card, too.
Keep in mind that neither card charges an annual fee. So, keeping them open won't cost you anything if you don't carry a balance from month to month. Closing your account, though, could temporarilyhurt your credit score.
9
3
Upvotes
What bank issues the Old Navy Credit Card?
Reply
Maria Adams, Credit Cards Moderator
@m_adams
The Old Navy Credit Card and the Old Navy Store Card are both issued by Barclays Bank US. The Old Navy Credit Card requires good credit or better, while you can qualify for the Old Navy Store Card with just fair credit.
In addition to your credit score, Barclays will consider your income, debt-to-credit ratio, payment history, and other criteria when evaluating your application. You'll first be considered for the Old Navy Credit Card, which can be used anywhere Mastercard is accepted. If you don't...
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Upvotes
How do I apply for the Old Navy Credit Card?
Reply
Adam McCann, Financial Writer
@adam_mcan
The easiest way to apply for the Old Navy Credit Card is online, and you can get to the online application by clicking the “Learn More” button on WalletHub or by going directly to Barclays's website. Alternatively, you can apply in store.
Keep in mind that the Old Navy Credit Card requires Good credit, which means you need a 700+ credit score for high approval odds. Also note that applying for the card triggers a hard inquiry, which may temporarily hurt...
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6
Upvotes
How do I check my Old Navy Credit Card balance?
Reply
6
Lisa Cahill, Credit Cards Moderator
@lisacahill
The easiest way you can check your Old Navy Credit Card balance is online, either bylogging into your account online or using the mobile app foriOSandAndroid. Alternatively, you can check your card's balance by calling customer service at(866) 928-8598. You can use the same methods to check your Old Navy Store Card's balance, too.
How to Check Your Old Navy Credit Card Balance
- Online:Log into your online account to see your Old Navy Credit Card's balance.
- Through the...
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1
3
Upvotes
Does PNC Bank give a temporary credit card number?
Reply
3
Christie Matherne, Credit Card Writer
@christie_matherne
No, PNC Bank does not offer temporary credit card numbers, so you'll need to wait until your physical card arrives to activate it and begin making purchases. Your card should arrive within 7-10 business days after you're approved. You can call PNC Bank customer service at (800) 558-8472 to request more information about the status of your card.
Using Click to Pay After Your Card Arrives
Once you get your card in the mail,...
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2
Upvotes
How do I activate my Old Navy Credit Card?
Reply
2
Chip Lupo, Credit Card Writer
@CLoop
You can activate your Old Navy Credit Card eitheronlineor through the issuer's mobile app. Another way to activate your Old Navy Credit Card is by calling(866) 828-5985. The same methods apply for the Old Navy Store Card, too.
How to Activate Your Old Navy Credit Card
- On the website: Go to theactivation page from the issuer's website and enter your card number, security code, the last 4 digits of your Social Security Number, and your occupation. Then, click on “Activate”. If you already...
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2
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Old Navy Credit Card Reviews
Share your insights and review for the Old Navy Credit Card
5
16%
4
12%
3
16%
2
30%
1
25%
2.6
347 reviews
347 reviews
What's Your Rating?
Most Recent
fi bu
@fsa6666
1 Star Rating
They make it very difficult to obtain your rewards after sending you multiple promotions. I've had to call and spend hours on the phone to get the points and then the rewards. Would not recommend.
Comment
virtue_jillia
@virtue_jillia
1 Star Rating
Get ready for Barclay to ruin your credit. They don't send you a card, and before you can figure out whom to pay, they mark your first payment as late on your credit report. Then, a year later, I open a better credit card, always maintaining a zero balance with Barclays, and they reduce my credit limit to $250. What a show of distrust. I'm closing it.
Comment
77Anthonyziler
@77Anthonyziler
1 Star Rating
The Old Navy Credit Card, issued by Barclays, is unsatisfactory. On several occasions, I was charged a $30.00 late fee despite having proof from my bank that the payment was not late. I have decided to sever ties with this bank and have closed my account. Speaking with the supervisor did not resolve the issue, as she offered no assistance other than suggesting she could call my bank. It is disappointing. I strongly advise against using this credit card and engaging with Barclays Bank, especially considering their high interest rates, which can reach 30%.
Comment
bncruz88
@bncruz88
1 Star Rating
If I could give them 0, I would. My credit was hacked. I had to freeze all my credit and, fortunately, I was able to stop most of it. However, they somehow got into my Old Navy account. I filed a claim and even have evidence that I put my credit on hold before this happened, but they denied it because I had possession of the card, which makes no sense to me. I would think that's an even bigger reason to accept it. They are the worst, not looking out for their customers' best interests, just focusing on money.
Comment
AJ
@pike_aletha
1 Star Rating
I only had this account for a few months and they closed my account for being non active. They did not allow much time for me to even use it hardly. My highest balance was $46 out of a $300 credit limit. Synchrony Financial must have strict guidelines. I would not recommend.....it just hurts your score instead of helping it.
Comment
evingibson
@evingibson
1 Star Rating
I wish I could give this card a ZERO!! DO NOT GET THIS CARD. It’sa cute thing to have a card for the store but the high interest rate is NOT worth it. Please please listen to this and just buy what you going to buy in the store. This is the worst of ALL my credit cards in history.
Comment
1
Eddie
@eddiemacloud
5 Star Rating
<p>Had Old Navy, Banana republic and Athleta from Synchrony, switched to Barclays. No limit increases ever and a turn down from Barclays for Barnes and Noble, 4 years on time payments, closed them all.</p>
Comment
Mercgirl3
@Mercgirl3
1 Star Rating
I thought this was a great card until I saw they are charging an extra fee if you only make a minimum payment. That would be fine if they advised of tjis in advance, I'd just change my payment but they do not. And if your balance equals the min payment required, they still charge you a fee. So if you only carry a $20 balance and then pay it off you get charged extra because you would only be paying the minimum amount. Completely stupid and shady.
Comment
lydiap21
@lydiap21
1 Star Rating
WORST credit card experience and I have quite a few different cards to compare to. They have given me trouble over THEIR continuous errors for 11 months now. Still saying I owe money when I don’t. RUN from this card. Their “system” is awful.
Comment
Jennifer
@morgan241907
1 Star Rating
Terrible card. They add fees after fees after fees so you can never pay it off. When you pay it off you still have a balance because a " minimal use fee" wtheck?? Paid it off cancelled it myself and still went against my credit?????
Comment
2
Review Old Navy Credit Card
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