Things to Consider Before Using the Old Navy Visa Credit Card

Dec 14, 2023 By Triston Martin

The Old Navy Visa Credit Card may be a worthy recipient of your praise if you can't get enough inexpensive staples in your wardrobe. The Gap Inc.-branded Visa and Synchrony-issued store cards are members of the Gap Inc.-branded credit card family. The Banana Republic and Athleta are also included in the umbrella of clothing retailers.

There are several risks to be aware of with the Old Navy Visa® Credit Card if you plan on using it frequently. What you need to know is outlined in the following paragraphs.

1. When You Shop Anyplace Visa Is Accepted, You'll Earn Points and Rewards

With NerdWallet review, Old Navy Visa Credit can earn rewards with the Old Navy Visa Credit Card.

  • Five points for every $1 spend at Gap Inc. brands in-store and online.
  • Every dollar spent at Visa-enabled merchants earns a point.

Five points per dollar are available at Old Navy, Gap, Banana Republic, Athleta, Banana Republic Factory, and the Gap Factory.

2. Only Gap Inc. Brands Accept Rewards

With the Old Navy Visa® Credit Card, your rewards aren't the most versatile; you may only use them toward store purchases (no cashback) at the brands mentioned above.

There is no limit to the number of awards you can accrue, but you can only utilize up to $250 of those rewards in a single purchase. If you haven't accrued or redeemed any points in the last year, your reward points will expire. When it comes to earning rewards, general cashback credit cards are a better option because they let you put your rewards toward anything you wish. Check out our top reward credit cards as an alternative.

3. For An Additional Bonus, Submit Your Email Instead Of Printing Off A Paper Copy

Cardholders of the Old Navy Visa® Credit Card can receive an extra 500 points for each of the following: By providing your email address, you are allowing Gap Inc. brands to contact you with news and special offers. Eliminating the use of paper in your billing. You'll get $10 in Gap Inc. gift cards for accomplishing these objectives, which is equivalent to 1,000 extra points.

4. Among The Many Advantages Of Being A 'Navyst,' There Are Numerous…

  • The "Navy" designation is awarded to cardholders who accumulate 5,000 bonus points in a calendar year. The following privileges are available to those with this status:
  • A 20% increase in reward points every three months.
  • Old Navy, Gap, Banana Republic, and Athleta offer free shipping with the coupon NAVYIST.
  • A free essential alteration with the purchase of a qualifying Banana Republic item (this benefit does not apply to items purchased through the Banana Republic Factory Store, Gap, Old Navy, or Athleta stores).
  • A toll-free hotline for customer service.
  • Cardholders must requalify every year to keep their Navyist status.

5. However, Keep A Look Out For Fees And Apps

The annual charge for the Old Navy Visa® Credit Card is zero dollars. However, there would be no grace period during which no interest is charged. The continuing annual percentage rate (APR) is 25.99% Variable. As a result, if you don't pay off your credit card balance each month, you run the risk of accruing significant debt.

This Credit Card Is Ideal For Whom?

However, the true reward potential can only be found at specific locations. The Visa card, which is anticipated to require a high credit rating, will not be offered to everyone who applies. If your credit is just fair, you might be offered the Old Navy Credit Card instead, which offers the same benefits for in-store purchases but can only be used for in-store purchases alone. If you're looking to build your credit history, this may still be an excellent choice to consider.

Bonus For New Old Navy Visa Cardholders

This card does not offer a standard new cardholder bonus of extra points or cash back. However, if you sign up for the card, you'll get a 20% discount on your first purchase.

To take advantage of your discount on, you must apply for the Old Navy credit card on the company's website and use your discount by a specific date listed there. Those who apply in-store must use the savings the same day they get them; online discounts are not valid for those who apply in-store.

Customers' Perceptions

Overall satisfaction with credit cards is at an all-time high, according to J.D. Power and Associates' 2021 U.S. Credit Card Satisfaction Study. Comparatively, it ranked lower than most of the big credit card providers.

On the bright side, you can manage your account on the Old Navy app and website (check your balance, make payments, etc.).

To Keep Your Information Safe, You Need To

The Security Measures Of The Old Navy Visa Card Are Common In The Credit Card Industry. Be Aware of the Fees.

The costs associated with the Old Navy Visa Card are in line with those you'd expect to see on a shop credit card in general. You'll have to pay a 3% foreign transaction fee and a 5% cash advance cost of $10 or more. The hefty APR should be kept in mind at all times. Make it a point to pay off all of your debt each month to save money on interest.

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