The Old Navy Rewards Program and Credit Cards — Everything You Need To Know [2021]

Old Nevy Credit Cards is well-known for their affordable and stylish clothing that can be worn by all ages. Every day there seems to be a sale and you will rarely find a coupon, promo or special offer that can save you a few bucks on your purchase.

Old Nevy Credit Cards is a great place to shop. You will love the savings and can also benefit from their store-branded card. It could even save you more!

This comprehensive review covers all Old Navy credit cards including their similarities and differences as well as the fees and drawbacks, rewards programs, application process, and much more.

We also discuss why you might consider an alternative card to save on the APR of these Old Nevy Credit Cards .

The Old Navy Credit Card at a Glance


Old Navy Credit Card Old Navy Visa® Credit Card Navyist Credit Card Navyist Visa® Card
5️⃣ Earn 5 points per $1 spent across Gap Inc. brands ✔️ ✔️ ✔️ ✔️
💰 $5 Reward for every 500 points earned ✔️ ✔️ ✔️ ✔️
👛 Exclusive offers throughout the year ✔️ ✔️ ✔️ ✔️
🛍 Early access to popular sales ✔️ ✔️ ✔️ ✔️

🚫 Zero fraud liability

✔️ ✔️ ✔️ ✔️
🙌 30% off of your first purchase ✔️ ✔️
📦 Free 3- to 5-day shipping on any online order from Old Navy, Gap, Banana Republic, and Athleta ✔️ ✔️
✨ 20% bonus points each quarter ✔️ ✔️
🧵 Free basic alterations on Banana Republic purchases   ✔️ ✔️

📞 A dedicated Navyist cardholder toll-free priority line

✔️ ✔️
💳 1 point per $1 spent anywhere Visa is accepted ✔️ ✔️
🔥 Special Visa cardholder offers and promos ✔️ ✔️
Annual Fee $0
APR 25.99% (variable)
Late Fee Up to $40

All 4 cards above are rewards-based co-branded credit cards offered by Old Navy (via Gap Inc.) and issued by Synchrony Bank.

You can see that there areThere are two main types Old Nevy Credit Cards

  • Basic Old Navy cards
  • Navyist “status” cards

Old Navy Card and Old Navy Visa Card

Old Navy Card and Old Navy Visa Card

These are the Base-level credit cardsOld Navy

Old Navy Card

This is your basic store-branded card. It can only be used at the store it was branded with, in this case Old Navy.

This is where it differs from other store-branded credit card cards: Old Navy is part the Gap Inc. brand family (Gap?Old Navy?Banana Republic And AthletaSo,These stores can also accept your card.

  • 5️⃣ Earn 5 points per $1 spent across Gap Inc. brands
  • 💰 $5 Reward for every 500 points earned
  • 👛 Exclusive offers throughout the year
  • 🛍 Early access to popular sales
  • 🚫 Zero fraud liability
  • 🙌 30% off of your first purchase

Old Navy Visa Card

This card is the first step above a store-brand credit card. This card is Visa-distinctive and can be used wherever Visa is accepted.

Old Navy Visa cardholders have the same benefits as Old Navy cardholders (above).PLUS:

  • 💳 1 point per $1 spent anywhere Visa is accepted
  • 🔥 Special Visa cardholder offers and promos

Navyist Card and Navyist VisaCard

Old Nevy Credit Cards

These cards are Old Navy’s status card and you cannot apply for them directly.

The cardholderYou must do the following:To become a Navyist:

  • Within a calendar year, earn 5,000 reward points (excluding bonus points or returns).
  • After accumulating 5,000 points, make the minimum payment before the due date
  • Maintain a good standing with your account

These terms and conditions state that Navyist status upgrades will be processed within 90 to120 days of the customer qualifying.

To maintain Navyist status, the rewards member must requalify each year.

Navyist Card

All Navyist cardholders get benefits beyond those offered to basic cardholders. This means:

  • 5️⃣ Earn 5 points per $1 spent across Gap Inc. brands
  • 💰 $5 Reward for every 500 points earned
  • 👛 Exclusive offers throughout the year
  • 🛍 Early access to popular sales
  • 🚫 Zero fraud liability


  • 📦 Free 3- to 5-day shipping on any online order from Old Navy, Gap, Banana Republic, and Athleta
  • ✨ 20% bonus points each quarter
  • 🧵 Free basic alterations on Banana Republic purchases
  • 📞 A dedicated Navyist cardholder toll-free priority line

The basic Old Navy card is the same as the one above.Only Old Navy and Gap Inc. brands can use the Navyist card(Gap and Banana Republic)

Also Read :  Activate US Bank ReliaCard

Navyist Visa Card

This card is an upgraded version of the Old Navy Visa Card. It looks just like the original card.It Visa can be used to make purchases wherever Visa is accepted.

The Navyist Visa card offers additional perks.Includes:

  • 💳 1 point per $1 spent anywhere Visa is accepted
  • 🔥 Special Visa cardholder offers and promos
Hot Tip: Navyist cardholders can receive their free 3- to 5-day shipping on any online order from the Gap family of brands by using code NAVYIST at checkout. 

Additional Visa Card Benefits

These perks are in addition to the ones already mentioned. Being a Visa cardholder entitles the rewards member to a few additional benefits.

  • 🔐 Chip and signature technology
  • 📞 Cardholder inquiry service
  • 🕵️‍♂️ Lost or stolen card reporting
  • 🆘 Emergency card replacement and cash disbursement
  • 🚗 Auto rental collision damage waiver
  • 🚧 Roadside dispatch (a pay per use system)

Reward Points on Old Navy Credit Cards: In-Depth

Earning points

In general, the credit card rewards program, which is separate from the Bright Rewards program, is pretty simple.

No matter which one of these cards you have, it doesn’t matter.Earn 5 points for every $1 you spend on specific brands within the Gap Inc. family You can earn points. These points can either be earned in-store or online.

Gap Inc.’s family of brands includes:

  • Athleta
  • BabyGap
  • Banana Republic
  • Banana Republic Factory Store
  • Gap
  • GapBody
  • GapKids
  • Gap Factory Store
  • Gap Maternity
  • Gap Outlet
  • Old Navy
  • Old Navy Outlet

Intermix, Weddington, and Old Navy SuperBox subscriptions do not earn reward points.

We mentioned that if you are anYou earn 1 point for every $1 you spend on any other purchase if you are an Old Navy Visa cardholder or Navyist Visa Cardholder Accepted wherever Visa is accepted

You’ll also earn if your Navyist card is holderEach quarter, 20% bonus points Once the quarter is over, they will be applied to your account.

What are the Rewards?

Once a Rewards member has earned, 500 points = $5 rewardThese can be used at any Gap Inc. brand. These rewards are usually issued to members’ accounts at the end each billing cycle.

A member may earn as many points as they wish. The maximum reward that can be earned in any billing cycle is $250.

You should note that points less than 500 will not be used towards the next billing cycle’s rewards. Let’s look at an example:

If you earn 1,600 points on Old Navy, you will receiveYou will receive a $15 reward, and 100 points.In your account for the next billing cycle.

Hot Tip: Cardholders can now utilize their mobile wallet (Apple Pay, Samsung Pay, Google Pay) for in-store purchases. 

Use Your Rewards

Each reward has an expiration date. Be sure to verify this and buy within the reward window.

Members can redeem up 3 rewards per transaction in-store.Online shopping can earn you up to five rewardsPurchases can be made over the telephone

You might consider stacking. You can combine your rewards with one other promotion offer. You can also use your rewards to purchase items in any location.

Redeem your rewards if there is any remaining amount due on your purchase.To cover the remaining amount, rewards members must use a Gap Inc. credit cardt, like the Old Navy card that you used to earn points.

Your account will be inactive for 24 consecutive months. Points earned, but not used to redeem a reward, will expire.

How to Manage Your Rewards

You can find more information on viewing and managing your rewards account in the Login and Online Account Management section below.

Fees and drawbacks for the Old Navy Credit Cards

Every credit card has its related fees and drawbacks, and the Old Navy credit cards are no exception.


Old Navy Card and Navyist Card Old Navy Visa Card and Navyist Visa Card
Annual Fee $0
Purchase APR 25.99% (variable)
Cash Advance APR N/A 26.99% (variable)
Cash Advance Fee N/A $10 or 5% of the amount of the cash advance, whichever is greater
Minimum Interest Charge $2
Foreign Transaction Fee N/A 3% of each transaction
Late Fee Up to $40
Also Read :  Discover Credit Card Reviews

Avoiding penalties and fees is the best way to avoid them.Be a responsible cardholder

What does this all mean?Responsible cardholders are those who pay their balance on time and in full each month.

If you are unable to achieve this, you should pay the minimum amount. To keep penalties and additional fees low, you will either not have a balance or maintain the lowest balance.

Why? Because The purchase APR on this card is insane.This percentage is much higher than the other rewards credit cards that you’ll see. If you have a large balance, this can quickly get you in trouble.

Additional drawbacks

The main drawback to the Old Navy card or Navyist card is the inability to use the rewards and cards at Old Navy (and other brands within the Gap Inc. family).

This is unlikely to be an issue if you are an Old Navy shopper. If you wish to be more flexible with how you spend your rewards, you can do so by: You won’t find these options if you don’t earn rewards that you can spend on anything you like, whenever you want.

Other Rewards Credit Cards (Recommended).

If you’re interested in any of Old Navy’s credit cards, then earning cash-back is likely to be your main motivation here.

There are many other cards that may be more advantageous (see below). For example, the Chase Freedom Unlimited(r) card earns 1.5% back on purchases outside of its bonus categories.

Credit Card Benefits & Info
Chase Freedom Unlimited® card

Chase Freedom Unlimited® Card

(at Chase’s secure site)
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • Earn unlimited 1.5% cash back on all other purchases.
  • Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1.5% on all other purchases.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 – 23.74%.
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.
  • Annual Fee: $0

Must Reads: For more info on the Chase Freedom Unlimited, see our thoughts on its benefits and our full review.

You can combine the Freedom Unlimited card and a Chase Sapphire Preferred(r), and convert the cash-back into Chase Ultimate Reward points and redeem those points for amazing flights and hotel stays.

Hot Tip: RakutenCash-back available (orAmerican Express Membership Rewards Points) to shop at or many other stores you love. You might also like to visitChase Offers And Amex Offers Check out the Gap Inc. brand listings to find out if they offer cash-back bonuses!

Apply for the Old Navy Credit Cards

Individuals wanting to apply for an Old Navy Credit card can do so online or in-store.

The applicants are not allowed to choose between the Old Navy card’s basic or Visa version. Only one application is required. Your creditworthiness will determine which card you get approved for.

Most credit card review websites agree that people with fair credit will be approved for the Old Navy Visa card. However, those with good credit will be denied the card.

*Remember that the Navyist cards can’t be applied for. The upgrade must be made by points earned within a calendar year.

While some applicants will be approved immediately for the card, others may need to wait until they are reviewed. 

We’ve heard of cases where applicants were denied online but received a second call to verify the information. These individuals were later approved. Although it is rare to receive follow-up approvals, it does happen.

Login and online/app-based account management

Online Management

Login and online/app-based account management Online Management

Synchrony Bank provides a platform for Old Navy Cardholders to manage their account online.

Register for an account if this is your first use of the platform. Log in using your username and password if you have already registered.

The platform offers the following options to users:

  • View your account activity
  • View your billing statements
  • *Make a payment
  • Create paperless statements (bonus points!
  • Set up alerts

* Old Navy credit cards can not be paid in-store. Cardholders have the option to pay by phone, online, or via mail.

Hot Tip:Users who sign up for ebilling (paperless statements) will be eligible to receive 500 bonus rewards points as an eco-friendly perk. This is a one-time bonus that will be given within two billing cycles.

App Management

App Management

Alternatively (and likely more enticing for many), is the Old Navy mobile app (iOS) where cardholders can manage their account.

The app allows users to manage all aspects the Old Navy Rewards Program through the wallet tab.

This includes:

  • How to manage your Old Navy card
    • Viewing statements
    • Set up alarms
    • Payment of bills
  • Management of bonuses and rewards
    • Monitoring progress
    • Card linking

Unfortunately, at this time the Android app doesn’t seem to have an option to pay your balance, but it DOES look like you can manage your rewards.

Final Thoughts

Final Thoughts

If you are a lover of Old Navy or Gap Inc. brands, this credit card is likely to be a great option. However, it’s important that you have a good payment plan. This is especially true for those who are Navyists.

Make sure you pay your card in full Avoid the huge APR every month and make sure you use your hard-earned rewards before it expires

This card is not the best if you shop at different stores than the Gap Inc. brand family.

If you don’t spend much on clothes and your expenses are more towards groceries, gas and dining, then the Old Navy cards are not for you.

If you are interested in improving your points and mileage game,This card does not offer travel-based rewards. These types of rewards can be earned in many other ways, so you’ll want to explore them.

The information about the Old Navy Visa(r), Navyist Visa(r), Credit Card and Chase Freedom Unlimited(r), was collected independently by Upgraded Points. It was not provided or reviewed by the issuer.

Questions frequently asked

What can you use Old Navy rewards for?
Rewards cannot be used to make payments toward your account. Rewards can only be used toward purchases of merchandise made in-store or online at Old Navy, Gap, Gap Factory store, Banana Republic, Banana Republic Factory store, or Athleta in the U.S. (including Puerto Rico) and Canada
What is an Old Navy Navyist card?

Maria Adams, Credit Cards Moderator

Old Navy Navyist is a status level in Old Navy’s rewards program. As a Navyist, you get 20% more reward points each quarter, plus free shipping online orders from Old Navy, Gap, Banana Republic, and Athleta. … Paying with an Old Navy Credit Card can also help you meet this goal faster.

What credit score is needed for Old Navy card?
620 or higher
We recommend a FICO® Score of 620 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. The Old Navy Visa® Card has stricter requirements since it can be used outside of Gap Inc. brands.
How many Old Navy rewards can I use at once?
You can redeem up to 3 Rewards on a single transaction in store or via mail, and up to 5 Rewards online or via phone.
How much does Old Navy pay hourly?
Old Navy Jobs by Hourly Rate
Job Title Range Average
Job Title:Sales Associate Range:$9 – $13 Average:$10
Retail Sales Associate Range:$9 – $13 Average:$10
Department Manager, Retail Store Range:$12 – $21 Average:$16
Business Operations Manager Range:$12 – $25 Average:$17
Can I use expired Old Navy rewards?

Fast Expiration Date

One large drawback with the Old Navy Visa is the expiration date. You usually have 30 days to use your points once you get the $5 certificates. If you don’t use them in this allotted time, they’ll expire.

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