Old Navy Visa Credit Card Full Guide
Need a way to get a wardrobe on dimes?
Want to change clothes, but feel that you lack the budget? If so, this article is for you. With the Navy Visa Credit Card, you can get discounts on clothes at a multitude of stores!
Basics
Old Navy Visa credit card is provided by Synchrony bank. The company is a part of the Gap Inc. family store (which includes Old Navy).
The card entitles you to discounts at all of Gap Inc.’s stores (in addition to ones like Athleta and Banana Republic).
It’s a system for loyalists and frequent shoppers. This old Navy credit card offers unique rewards that’ll make you change seasonal clothes there.
However, there are certain things that you should know about Old Navy Visa Credit card. And that’s what we’ll discuss below!
#1: Old Navy Card Requires a Good Credit Score
Most individuals assume that getting an Old Navy card is difficult. It’s assumed that you need a credit score that’s fair to get card access.
But, there’s only a single application for Navy’s credit cards. Plus, the card does have some heavy drawbacks on APR (and heavy penalties for late payments).
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So it’s highly likely that you’ll get the old Navy Visa card if your credit score is good. This card is for veteran buyers at Old Navy.
However, this requires you to be a responsible spender.
#2: You Can Only Redeem Those Rewards at Brands of Gap Inc
Rewards you get at Gap Inc. stores aren’t too flexible. And that’s to be expected, since it is a loyalty program.
You can only get rewards in the form of store purchases. So the old Navy credit card doesn’t entitle you to cash backs.
#3: There Isn’t a Limit on the Rewards You Can Get: But There Are Caps to Consider
With Old Navy credit card, you get $5 for every 500 points earned. As for the cap, that’ll be $50 of rewards at a time (which you have to redeem before you continue getting points).
You get a maximum of $50 at a time. And the maximum you can get for rewards is $250 in a single billing cycle.
So does this mean that you miss out on future rewards if you exceed the cap? Absolutely not!
Any extra points you get are applied to the next billing cycle. It’s simply a matter of patience, where there’s a limit on how much you can redeem in a period of time.
Also, note that the points you have earned with the Old Navy Credit card have an expiration date of two years.
#4: Paperless Billing and Providing Your Email Give Extra Rewards
There are two ways that’ll get you a quick 500 points for the Old Navy Visa credit card, those being…
- Giving Gap Inc. your email – entitling you to updates with regards to the company/brand.
- Applying for paperless billing.
You can opt to finish both requirements. And in that case, you’ll get a 1000 points of rewards, giving you an extra $10 at any Gap Inc. store!
#5: You Get Many “Privileges” For Being a “Navyist” Card Holder
The Navyist title is one you earn if you collect 5000 points in a single year. And this title gives you a set of privileges, including…
- A special hotline for customer service.
- Free shipping from Gap Inc. stores by using the code NAVYIST.
- +20% rewards per quarter.
- Free alternation on purchases from Banana Republic (doesn’t apply to Gap, Old Navy, Athleta Stores, and factory stores). Also, doesn’t apply to suede and leather purchases.
Finally, do note that to keep a Navyist title, a cardholder must requalify each year.
#6: APR and Fees Are Quite High
Gap Inc. likes to advertise its Old Navy Visa Credit Card as a $0 fee credit card. But do note that this card comes with hidden obligations.
For starters, there isn’t a starting interest-free period. You pay interest right from the start. And currently, the APR is over 27%.
This is extremely high for most credit cards. And if you’re neglecting payments each month, then you might end up with some serious debt.
Old Navy Cards Drawbacks and Fees
Old Navy Credit Cards has its related fees and drawbacks:
Fees | Old Navy and Navyist Credit Cards | Old Navy Visa® and Navyist Visa® Cards |
Annual Fee | $0 | $0 |
Purchase APR | 28.24% (variable) | 28.24% (variable) |
Cash Advance APR | n/a | 29.29% (variable) |
Cash Advance Fee | n/a | $10 or 4% of the amount of the cash advance, whichever is greater |
Minimum Interest Charge | $2 | $2 |
Foreign Transaction Fee | n/a | 3% of each transaction |
Late Fee | Up to $39 | Up to $39 |
If there’s something to note about unnecessary penalties and fee avoidance, it’s the following… be responsible with the card you get.
You should always pay off your debts in full. Be sure to pay off your balance on time, and each month.
What if I’m Unable to pay old navy credit card payments Regularly?
Then minimize the frequency of your purchases. You shouldn’t overspend just for the privilege of joining a loyalty program.
As for the card itself, at least try to make the minimum payment. This ensures that never carry a balance that’s negative. You also ensure that you don’t incur any penalties.
Also, note that Old Navy card’s interest rate is extremely high. Card with lesser APRs carry heavy penalties for late payments. So you can’t skip payments on your Old Navy cards.
The process of getting an Old Navy Card
There are two ways you can get an Old Navy card – those being…
- Online
- In-shop
Generally, the majority of review sites agree that if you have fair to good credit, then getting approval for the Old Navy Card shouldn’t be difficult. In fact, if you have good credit, then approval for the Old Navy Visa®.should be immediate.
Also, many applicants might get instant approval or the Old Navy card itself(assuming you have excellent credit score).
But do note that normally, the review period may be anywhere from 7 to 10 days. And in many situations, people were declined an application for
Old Navy card applied online, only to be approved after a phone call verifiication.
The Platforms to Manage Old Navy Card
There are two platforms you can use to manage your Old Navy Card – those being…
(A) Online Account Managment
The Synchrony Bank system supplies platforms for Old Navy Cardholders. They can use it for online management of their accounts.
If this is your first time using that platform, then you’ll have to get an account registered. Following that, simply log-in with your password and user name.
After account registered, users have the following options:
- View account activity
- View billing statements
- Make a payment*
- Set up paperless statements (bonus points!)
- Set up alerts
- And more
This is where you’ll pay your Old Navy credit card bill (which can’t be paid at store). The alternatives for payment are by phone or mail.
(B) Mobile App
You’ll also need an internet access, but this app lets you access your account instantly.
You can download the “Old Navy” app (Apple). It’s well-reviewed on the iTunes store, with a 96%+ rating, and over 100,000 reviews.
This app lets users manage everything related to the Old Navy rewards program, and through the click of a button.
However, note that the Android app doesn’t provide an option for balance payment. So that’s something you should finish online.
This includes:
- Managing your Old Navy Credit Card
- Viewing statements
- Setting up alerts
- Paying bills
- And more
- Managing points and rewards
- Tracking progress
- Linking cards
- And more
In Summation
Old Navy credit card is highly beneficial. It’s an excellent investment if you’re an Old Navy Lover. If you have a habit of shopping at any Gap-related store, we recommend it.
However, note that it comes with a hefty responsibility. After all, Old Navy card is issued to loyal clients with a multitude of completed purchases.
Also, note that Old Navy card is designed for clothing purchases. If your idea of spending includes experiences (like travel, dining, hobbies), then this isn’t the card for you.
Finally, Old Navy is not a card that offers any travel based advantages. Every advantage you get gives you access to more merchandise at Gap’s stores. So it’s a program for loyalists and frequent fashion buyers only!
FAQs
Is the Old Navy credit card difficult to get?
If your credit report is in the “fair” range then you’re likely to be approved for a standard Old Navy credit card.
Because there is just one application for both of the cards, you’re more likely to be accepted for the Old Navy Visa card if you have a far better credit history– most card evaluation sites state you’ll likely require a “great” credit history to be accepted for the Visa.
Does the Old Navy credit card have an annual fee?
No, both the Old Navy credit cards: “basic card and the Old Navy Visa card” does NOT have an annual fee
What bank issues the Old Navy credit card?
The Old Navy credit cards are all issued by Synchrony Bank.
Can the Old Navy credit card be used anywhere?
That depends on which Old Navy credit card you have.
The basic Old Navy credit card can only be used at (Gap Family Brand of stores includes Gap, Gap Body, babyGap, Gap Kids, Gap Maternity, Gap Outlet, Gap Factory Store, Banana Republic, Banana Republic Factory, Old Navy, Old Navy Outlet, and Athleta.)
The Old Navy Visa can be used anywhere Visa is accepted.
Can I pay my Old Navy credit card in store?
No, Old Navy’s current policy does not enable cardholders to pay in store. Old Navy Cardholders can pay their statement balance through online, via mobile app, by mail, or by phone.
How can I cancel my Old Navy credit card?
The most effective method to inquire about canceling your Old Navy charge card is to call the customer service phone number provided on the back of your card.
Old Navy credit card support phone number is mentioned as: 1 (877) 222-6868.