Old Navy Credit Card Review (2025): Is It a Smart Choice?
If you frequently shop at Old Navy, you might be considering the Old Navy Credit Card. With exclusive perks and reward points, it sounds appealing—but is it really the best option for your wallet? In this review, we’ll break down the pros, cons, and how you can make the smartest credit card choice with the help of Karma’s Credit Card Comparison tool.
Overview of the Old Navy Credit Card
The Old Navy Credit Card, issued by Barclays, is designed for loyal shoppers of Old Navy and its affiliated brands (Gap, Banana Republic, and Athleta). It comes in two versions:
- Old Navy Credit Card (store card): Can only be used at Old Navy and its partner brands.
- Old Navy Mastercard: Can be used anywhere Mastercard is accepted.
Both versions offer rewards on purchases, but are they truly the most rewarding option for you? Let’s take a closer look.
Pros of the Old Navy Credit Card
✅ Earn 5 Points per $1 Spent at Old Navy & Partner Brands – A solid return if you’re a frequent shopper.
✅ Bonus Offers & Exclusive Discounts – Cardholders get special deals, early access to sales, and extra savings.
✅ No Annual Fee – A nice perk compared to some store credit cards.
✅ Extra Benefits with Mastercard Version – Get 1 point per $1 spent on other purchases if you qualify for the Mastercard version.
Cons of the Old Navy Credit Card
❌ High APR – Interest rates can be steep, making it a poor choice for carrying a balance.
❌ Limited Redemption Options – Rewards can only be redeemed at Old Navy and its partner stores.
❌ Better Alternatives Exist – Many general rewards credit cards offer more flexibility and value.
Is the Old Navy Credit Card Right for You?
If you’re a loyal Old Navy shopper who always pays off your balance, this card might provide some nice perks. However, if you want more flexible rewards, you might find better options elsewhere.
That’s where Karma’s Credit Card Comparison tool comes in. Instead of guessing which card will give you the most value, let Karma do the work for you. Our tool analyzes your spending habits and helps you pick a card that maximizes rewards—whether that’s the Old Navy Credit Card or a better alternative.
A Smarter Way to Pick a Credit Card
Before signing up for any store card, ask yourself:
- Do I shop here enough to maximize the benefits?
- Are there better rewards cards that offer more flexibility?
- Will I carry a balance and risk high interest fees?
With Karma’s Credit Card Comparison, you don’t have to spend hours researching. Our tool finds the best options for your spending habits, so you can earn more rewards and save money effortlessly.
The Old Navy Credit Card can be a good choice for frequent Old Navy shoppers who always pay off their balance. However, for most people, a general rewards credit card offers better perks and flexibility.
Want to make a smarter credit card choice? Try Karma’s Credit Card Comparison today and start earning more from every purchase!