If you’re a fan of trendy, affordable fashion, the Old Navy Credit Card might be your perfect shopping companion. Designed for loyal Old Navy customers and part of the larger Gap Inc. family, this card offers exciting rewards, exclusive perks, and savings opportunities that go beyond the racks.

Whether you shop online or in-store, the Old Navy Credit Card gives you more value every time you make a purchase. Should you consider making room for it in your wallet? Let’s explore the benefits, application process, and how you can make the most out of your Old Navy Credit Card.

What Is the Old Navy Credit Card?

The Old Navy Credit Card is a store-branded card offered by Barclays in partnership with Gap Inc., the parent company of Old Navy, Gap, Banana Republic, and Athleta. It comes in two forms:

• Old Navy Card: The standard Old Navy Credit Card is valid exclusively at Gap Inc. brands, including Old Navy, Gap, Athleta and Banana Republic.

• Old Navy Mastercard: Offers the same store benefits but can also be used anywhere Mastercard is accepted.

Both options offer attractive reward programs and promotional discounts that can significantly boost your savings if you’re a frequent shopper.

Key Benefits of the Old Navy Credit Card

5 Points Per $1 Spent at Gap Inc. Brands

You’ll earn 5 reward points for every dollar spent when shopping at Old Navy or any affiliated Gap Inc. stores. These points can be redeemed for rewards and savings on future purchases.

1 Point Per $1 Everywhere Else (Mastercard version only)

With the Old Navy Mastercard, you also earn 1 point per dollar spent on purchases made outside of Gap Inc. brands—making it a versatile tool for everyday spending.

$20 Welcome Bonus

Once you’re approved and complete your first purchase, you’ll get a $20 reward as a welcome bonus—an excellent start to saving on future buys.

Exclusive Cardholder Offers

Cardholders gain access to special deals, early sales previews, and exclusive shopping events. This includes bonus point days and birthday discounts.

Easy Account Management

The Old Navy Credit Card allows you to manage your account online or via a mobile app, view transactions, pay bills, and track your rewards seamlessly.

Applying for an Old Navy Credit Card is simple and quick

usually completed in just a few minutes. Here’s how you can apply:

• Online at the Old Navy or Barclays website.

• In-store at any Old Navy location.

You must be at least 18 years old (or 21 in some states), have a valid U.S. address, and meet the credit approval criteria. Keep in mind, approval is subject to your creditworthiness.

Now an Old Navy Credit Card Is The Right for You?

The Old Navy Credit Card is best suited for people who frequently shop at Old Navy, Gap, Banana Republic, or Athleta. If you’re already spending on these brands, earning 5x rewards can quickly lead to savings.

However, the card’s usefulness decreases if you rarely shop at these stores. While the Mastercard version adds flexibility, general reward credit cards might offer better all-around benefits for occasional shoppers.

Also, it’s important to note the card’s APR can be relatively high. If you’re likely to carry a monthly balance, the interest charges may cancel out your earned rewards. To avoid this, try to pay off the full amount each month.

Tips to Maximize Your Old Navy Credit Card

1. Use It for All Gap Inc. Purchases: Maximize points with every eligible store transaction.

2. Combine with Sales and Coupons: Stack cardholder discounts with regular store promos.

3. Redeem Points Wisely: Use points on larger purchases to make the most of your rewards.

4. Stay Updated on Bonus Days: Take advantage of limited-time promotions for faster earning.

5. Monitor Your Credit: Responsible use of the Old Navy Credit Card can help build or improve your credit score.

Conclusion

The Old Navy Credit Card is more than just a payment method—it’s a rewards tool that makes every dollar count, especially for loyal Old Navy shoppers. With solid earning potential, exclusive perks, and easy point redemption, it stands out as a great option within the retail card space.

However, like any credit card, it’s essential to use it responsibly. If you’re a fashion enthusiast who regularly shops at Old Navy or other Gap Inc. stores, this card could be a perfect fit for your lifestyle and budget goals.

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