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The Old Navy Credit Card - Is It Any Good?

Joseph Roltz

2022-02-10

The Old Navy Credit Card offers a standard cash back program where you earn 5% on your first $50 spent. There is no cap on the cash back that you can earn, which is nice. We recommend using this card exclusively to purchase Old Navy merchandise (including sale items) in order to maximize the rewards earned.



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Old Navy Credit Card

It seems like every country is fighting to create the best credit cards. The old navy credit card was designed for people who love shopping at Old Navy stores. It has many advantages, which will be described in this article. 

What you need to know about the old navy credit card?

This type of credit card is good for temporary borrowing only and it would be better if you use it when there are extra temporary discounts on products. Getting approval with bad credit won't be easy, so avoid applying in times when you don't meet requirements. Additional coupons may be available online through their official website.

Where can I use my new old navy credit card?

You can use your new credit card at any Old Navy, Gap, or Banana Republic retail store anywhere in the world where you see the Visa logo located. Online purchases are also possible through their official website (www.oldnavy.com). Keep in mind that some countries don't allow to process transactions with cards from other countries, especially if they share no common borders (for example Canada and US). As long as you make online purchases on region-specific websites like www.bananarepublic.ca or www.gapcanada.ca there shouldn't be any problems unless it's stated otherwise during the ordering process.

How to apply for an old navy credit card?

You can apply online or at any Old Navy, Gap, or Banana Republic retail store by filling out the application form and submitting it with requested documents (best is a valid ID). To complete your application faster you can use their official website which contains most of the questions asked on the paper version already. There you can also find more information about annual fees, APR rates, monthly payments, and other costs that may be involved depending on your circumstances (bad or good credits history, etc.). For more detailed information check their official website.

What are the benefits of getting an old navy credit card?

If you plan to buy something at the Old Navy store there won't be better times to do it than during temporary discounts or with a promo code found on their official website. In most cases, those coupons are valid only for a limited period of time, which makes them very special. 

Also as a cardholder, you can get up to $50 in bonus gift cards, which you can use during your next purchase according to terms and conditions. You can also benefit from specially designed offers that may come with your new credit card (if your previous purchases were made at Old Navy stores).

What is the old navy credit card annual fee?

Old Navy credit card comes without any annual fees if you apply online, but otherwise, we've got bad news – there's an annual fee of $10 and/or a monthly service fee of $0.50 which is charged if your account remains inactive for more than 12 months.

Terms and conditions of the old navy credit card?

If you want to know all the terms and conditions related to their offer without any issues, we recommend visiting their official website because there you will find all the required information about APR rates, monthly payments, late payment fees, and other costs that may apply depending on your personal circumstances. 

The first page of their application form also contains most of the important details about offers and benefits described above (no need to read them separately), but make sure to avoid overlooking certain rules if you want your purchase made with this credit card to be approved without problems in future transactions.


Card Benefits

If you're a thrifty spender, but need to stop in at Old Navy every now and again, the retailer offers an alternative credit card option for customers. Loyalty program rewards can be earned by using this store-only credit card. Every time you shop with your Old Navy Credit card, you'll get all sorts of perks. Although it's not a credit card-it's Old Navy store credit! 

Here are five benefits to opening an Old Navy Card

  • Save More Money at Old Navy With a Discount
  • Earn Rewards Points With Every Purchase
  • Special Offers and Advantages From the Credit Card Company, Synchrony Financial
  • Redeem Rewards Points for Cash or Free Old Navy Clothing Items
  • A Store-Specific Store Card is a Great Way to Build Up Credit History 


Conclusion

The Old Navy credit card is the perfect way to save money on your purchases if you plan to shop at Old Navy store. It doesn't have any annual fees and has a bonus offer of up to $50 in gift cards with purchase.  This credit card is backed by Synchrony Bank. You can check their official website for more information about offers and benefits. There's an annual fee of $10 and/or a monthly service fee of $0,50 which is charged if your account remains inactive for more than 12 months.