If you do most of your clothes shopping at Old Navy, an Old Navy credit card could earn you lots of points. There are two card options, both issued by Barclays. The Navyist Rewards Credit Card works only at Old Navy (and all other Gap Inc. brands), and the Navyist Rewards Mastercard® can be used anywhere you can pay with Mastercard. Read our full Old Navy Credit Card review to see all the card's pros and cons.
Ratings Methodology
Old Navy Credit Card
Rating image, 4.00 out of 5 stars.
4.00/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Rating image, 4.00 out of 5 stars.
4.00/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Credit Score:Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Poor
Fair
Good
Excellent
300-579
580-669
670-739
740-850
Credit ScoreFalling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Good/Excellent (670-850)
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
29.99%
RewardsEarn 5x points at Gap Inc. brands, 1x points on other purchases
1x - 5x points
Annual Fee
$0
Welcome Offer
30% off your first purchase
For those who love shopping at Old Navy and its sibling brands, this card offers a great rewards rate, but its value outside of those brands leaves much to be desired.
- Introductory discount offer
- Old Navy rewards
- No annual fee
- Mediocre rewards rate
- Limited ways to use rewards
- Foreign transaction fee
- 20% off your first purchase
- Earn 5 points per $1 spent at Gap Inc. brands -- including Old Navy, Gap, Banana Republic, and more
- Exclusive Old Navy perks and offers throughout the year
- No annual fee
Credit card comparison
We recommend comparing options to ensure the card you're selecting is the best fit for you. To make your search easier, here's a short list of standout credit cards.
| Offer | Our Rating | Welcome Offer | Rewards Program | APR | Learn More |
|---|---|---|---|---|---|
Discover it® Cash Back | Rating image, 5.00 out of 5 stars. 5.00/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. | Discover will match all the cash back you’ve earned at the end of your first year.N/A | 1% - 5% CashbackEarn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically. | Intro: Purchases: 0%, 15 months Balance Transfers: 0%, 15 months Regular:18.24% - 28.24% Variable APR | |
Wells Fargo Active Cash® Card | Rating image, 5.00 out of 5 stars. 5.00/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. | $200 cash rewardsEarn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months. | 2% cash rewardsEarn unlimited 2% cash rewards on purchases. | Intro:0% intro APR for 15 months from account opening on purchases and qualifying balance transfers Purchases: 0% intro APR, 15 months from account opening Balance Transfers: 0% intro APR, 15 months from account opening on qualifying balance transfers Regular:20.24%, 25.24%, or 29.99% Variable APR | |
Bank of America® Travel Rewards credit card Apply Now for Bank of America® Travel Rewards credit card OnBank of America'sSecure Website. | Rating image, 4.00 out of 5 stars. 4.00/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. | 25,000 points25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases | 1.5 points per dollarEarn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees, and your points don't expire as long as your account remains open. | Intro:0% Intro APR for 15 billing cycles for purchases. 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days. After the intro APR offer ends, 19.24% - 29.24% Variable APR on purchases and balance transfers will apply. A 3% fee for 60 days from account opening, then 4% fee applies to all balance transfers. Purchases: 0% Intro APR for 15 billing cycles for purchases Balance Transfers: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days Regular:19.24% - 29.24% (Variable) | Apply Now for Bank of America® Travel Rewards credit card OnBank of America'sSecure Website. |
Full Old Navy credit card Review
This credit card is a good fit for: Consumers who shop at Old Navy often and want to earn points they can redeem for purchases with the retailer.
Top perks
You get a few valuable benefits with an Old Navy Credit Card.
30% off your first purchase
When you're approved for an Old Navy Credit Card, you receive 30% off your first purchase. If you open the account online, you'll receive a discount code you can use that expires 14 days after account opening. If you open the account in store, the discount will be applied to the first purchase made in the store that same day.
Ideally, you should wait until you have a big purchase to make so that you can get the most out of this sizable sign-up offer. If, for example, you used your discount code for a $500 purchase, you'd save $150.
Up to 5 points per $1
The Navyist Rewards Credit Card and the Navyist Rewards Mastercard® both earn 5 points per $1 on purchases at Gap Inc. brands. That includes:
- Old Navy
- Gap
- Banana Republic
- Athleta
The Navyist Rewards Mastercard® also earns 1 point per $1 on other purchases. Since that's not a high rate, and it doesn't have any other bonus categories, it's not a great choice for earning rewards on your everyday spending. Even though you can use it for other purchases outside Old Navy, you're better off using other rewards credit cards.
Points are worth $0.01 each.
For every 100 points, you get a $1 reward redeemable across the Gap Inc. family of brands.
No annual fee
Store credit cards don't usually charge annual fees, and Old Navy Credit Cards are no exception. Whether you get the Navyist Rewards Credit Card or the Navyist Rewards Mastercard®, you won't need to pay anything to carry it. No annual fee credit cards are a smart way to go if you prefer to keep your bills to a minimum.
Automatic Enthusiast status
There are three levels to Old Navy's rewards program:
- Core: The starter tier for those with under $500 in annual brand spending (this includes your spending at all stores in the Gap Inc. family of brands).
- Enthusiast: Requires at least $500 in annual brand spending or being a cardmember.
- Icon: Requires at least $1,000 in annual brand spending or 5,000 points as a cardmember.
By getting an Old Navy Credit Card, you'll start in the Enthusiast level. This has a couple of extra perks, including early access to deals and a quarterly bonus of 250 points every quarter that you make a purchase with one of the Gap Inc. brands.
What could be improved
Like most store credit cards, the Old Navy Credit Cards have room for improvement in several areas.
Introductory discount
This card's introductory offer (30% off your first purchase at Old Navy) can save you a lot of money. But there are much more valuable credit card sign-up bonuses, including some that offer $200 or more in cash back.
LEARN MORE: Best Credit Card Sign-Up Bonuses
Rewards outside of Gap Inc. brands
If you're approved for the Navyist Rewards Mastercard®, you can use it anywhere Mastercard is accepted. Although that's better than having a card you can only use at Old Navy and other Gap Inc. stores, you'll only earn 1 point per $1 with it outside of those brands. Many rewards cards offer more bonus categories, such as travel, groceries, gas, or dining.
Foreign transaction fee
The Navyist Rewards Mastercard® charges a 3% foreign transaction fee. It's not exactly a good travel card to begin with -- if you travel often, you're better off looking elsewhere. The foreign transaction fee just means that this definitely isn't a card to use anywhere outside the United States.
SEE TOP PICKS: Best Travel Credit Cards
Must redeem rewards at Gap Inc. brands
You can typically only redeem rewards from a store credit card at that store. You have more options with an Old Navy Credit Card, which at least lets you redeem points at any Gap Inc. brands. Regardless, this card's rewards are still limited, which is a serious drawback.
When you don't have anything you want to buy, you're stuck. You can either let your rewards sit around or pick something out solely to redeem your points, neither of which is a great option. That's why cash back cards are normally a better choice than store credit cards, because you can always use cash back.
READ MORE: Best Cash Back Credit Cards
Find the best credit card for your needs
Compare credit card rewards, fees, APRs, and more using our side-by-side comparison tool.
Compare Cards
Suggested credit score
We recommend a FICO® Score of 640 or higher to apply for an Old Navy Credit Card. A fair credit score is usually necessary to get approved for a store credit card with Old Navy.
When you apply, you're first considered for a Navyist Rewards Mastercard®. That has stricter requirements since it can be used outside of Gap Inc. brands. You'll likely need a good credit score (a FICO® Score of 670 or higher) to qualify for that card. If you're not approved, you'll then be considered for the Navyist Rewards Credit Card.
MORE OPTIONS: Best Credit Cards for Fair Credit
An Old Navy credit card is right for you if:
You shop at Old Navy at least every two to three months and you want to earn some points you can redeem for purchases there.
An Old Navy Credit Card will earn you a high rate on Old Navy spending, but that's about it. The Navyist Rewards Credit Card could also be useful for building credit if you don't have a high credit score yet. For the vast majority of consumers, and especially those with good credit who can qualify for the top credit cards, there are better options out there.
READ MORE: Expert Credit Card Reviews
Our credit card methodology
At The Motley Fool Ascent, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and 0% intro APR offers to evaluate our ratings.
We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best card recommendations. Learn more about how The Ascent rates credit cards.
FAQs
Credit limits for Old Navy credit cards can range from under $500 to over $5,000, but they generally start out on the low side. It depends on your income, credit history, and other factors. Many cardholders have been able to get higher limits by consistently paying on time and requesting credit limit increases.
You can use the Navyist Rewards Credit Card at all Gap. Inc brands, including Gap, Old Navy, Banana Republic, and Athleta. If you're approved for the Navyist Rewards Mastercard®, you can use it anywhere Mastercard is accepted.
Yes, the Old Navy Credit Card can build credit. Barclays, the card issuer, reports your card activity to all three of the consumer credit bureaus. If you pay your credit card bill on time, that activity will be reported and can help raise your credit score.
