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Old Navy Credit Card Review 2025: Is It a Smart Choice?
The Old Navy Credit Card is a popular option for frequent shoppers of Old Navy and its affiliated brands. With the promise of exclusive offers, promotional deals, and a rewarding points system, it might seem like a great financial tool. But is it the right choice for you? In this review, we’ll explore the pros and cons, key benefits, and commonly asked questions to help you decide if the Old Navy credit card company fits your needs.
Overview of the Old Navy Credit Card
Issued by Old Navy Barclays, the Old Navy Credit Card is part of the family of branded store credit cards that cater to loyal shoppers. It offers the ability to earn rewards on store purchases and unlock exclusive deals. There are two variations of this card:
- Old Navy Credit Card (Store Card) – Can only be used at Old Navy and affiliated stores like Gap, Banana Republic, and Athleta.
- Navyist Rewards Mastercard – Can be used anywhere Mastercard is accepted and comes with additional benefits like travel rewards and extended redemption options.
Pros of the Old Navy Credit Card
✅ Earn Rewards on Purchases
Cardholders earn points per dollar spent at Old Navy, Gap, Banana Republic, and Athleta. With the Navyist Rewards Mastercard, users can also earn points on everyday purchases.
✅ Exclusive Offers & Promotional Discounts
Members receive credit card offers, including special discounts, early access to sales, and unique promotional offers not available to non-cardholders.
✅ No Annual Fee
The Old Navy Credit Card comes without an annual fee, making it a cost-effective option for frequent Old Navy shoppers.
✅ Redemption Options
Earned points can be redeemed for Old Navy and its partner brands, providing flexibility in how rewards are used.
✅ Free Basic Alteration on Banana Republic Purchases
A lesser-known perk of this card is the ability to get basic alterations for free on eligible purchases at Banana Republic.
Cons of the Old Navy Credit Card
❌ High Interest Rate
Like many store credit cards, the Old Navy Charge Card has a high APR. Carrying a balance can lead to costly interest charges.
❌ Limited Use for the Store Card Version
The store-specific Old Navy Credit Card can’t be used outside Old Navy, Gap, Banana Republic, and Athleta, limiting its flexibility.
❌ Rewards Expiration
Rewards earned must be used within a certain period, or they expire. This can be inconvenient for infrequent shoppers.
❌ Requires Good Credit Scores
While there’s no strict requirement, approval generally requires a good credit history.
How to Apply for the Old Navy Credit Card
Applying for an Old Navy Credit Card is simple. You can visit an Old Navy store or apply online through their website. The approval process usually takes a few minutes, and if approved, you can start using your card immediately for store purchases.
Is the Old Navy Credit Card Right for You?
The Old Navy Credit Card is a great option for those who frequently shop at Old Navy phone app and its partner stores. With exclusive offers, a rewarding points system, and no annual fee, it provides good value to loyal customers. However, if you rarely shop at these stores or tend to carry a balance, the high interest rate may outweigh the benefits. For those looking for a more versatile rewards credit card, the Navyist Rewards Mastercard might be a better choice.
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.
Before applying, consider your shopping habits and whether the rewards and benefits align with your spending needs. If used wisely, the Old Navy Credit Card can be a valuable addition to your wallet.
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 account 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!
FAQs About Old Navy Credit Card
Yes, Old Navy accepts Apple Pay in-store and through the Old Navy phone app.
You can pay your Old Navy Credit Card bill online through the Old Navy account credit card portal, via mail, or at a store.
Yes, Old Navy allows customers to use Afterpay for purchases, offering installment payment options.
If you have the Navyist Rewards Mastercard, you can use it anywhere Mastercard is accepted. However, the Old Navy Charge Card is only valid at Old Navy and affiliated stores.
The Old Navy Charge Card can be used at Old Navy, Gap, Banana Republic, and Athleta. The Navyist Rewards Mastercard extends usability to other retailers.
The Old Navy Credit Card is issued by Barclays.
The standard Navyist Rewards Card is limited to affiliated stores, but the Navyist Rewards Mastercard can be used anywhere that accepts Mastercard.
