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Old Navy credit card Review: Big Rewards When You Shop at Old Navy

Review Updated
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Lyle Daly
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Nathan Alderman
Fact Checked: Nathan Alderman
Nathan Alderman
Nathan Alderman
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Nathan Alderman has been a full-time Motley Fool employee since 2005, making errors his arch-enemies in a variety of roles including a six-year stint as the dedicated fact-checker for The Motley Fool's premium newsletter services. As Motley Fool Money's Compliance Lead, he makes sure that all the site's information is accurate and up to date, which ensures we always steer readers right and keeps various financial partners happy. A graduate of Northwestern University's Medill School of Journalism, Nathan spends his spare time volunteering for civic causes, writing and podcasting for fun, adoring his wife, and wrangling his two very large young children.

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If you do most of your clothes shopping at Old Navy, an Old Navy credit card could earn you lots of points. There are two card options, both issued by Barclays. The Navyist Rewards Credit Card works only at Old Navy (and all other Gap Inc. brands), and the Navyist Rewards Mastercard® can be used anywhere you can pay with Mastercard. Read our full Old Navy Credit Card review to see all the card's pros and cons.

Ratings Methodology

Old Navy Credit Card

Old Navy Credit Card
Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

29.99%

Rewards Circle with letter I in it. Earn 5x points at Gap Inc. brands, 1x points on other purchases

1x - 5x points

Annual Fee

$0

Welcome Offer

30% off your first purchase

  • For those who love shopping at Old Navy and its sibling brands, this card offers a great rewards rate, but its value outside of those brands leaves much to be desired.

    • Introductory discount offer
    • Old Navy rewards
    • No annual fee
    • Mediocre rewards rate
    • Limited ways to use rewards
    • Foreign transaction fee
    • 20% off your first purchase
    • Earn 5 points per $1 spent at Gap Inc. brands -- including Old Navy, Gap, Banana Republic, and more
    • Exclusive Old Navy perks and offers throughout the year
    • No annual fee

Credit card comparison

We recommend comparing options to ensure the card you're selecting is the best fit for you. To make your search easier, here's a short list of standout credit cards.

Offer Our Rating Welcome Offer Rewards Program APR Learn More
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Best for cash back on rotating categories 		Discover will match all the cash back you’ve earned at the end of your first year. 1% - 5% Cashback Circle with letter I in it. Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.

Intro:

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular: 18.24% - 27.24% Variable APR

Apply Now for Discover it® Cash Back

On Discover's Secure Website.

Rates & Fees External Link Icon

Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Best for cash rewards on everyday spending 		$200 cash rewards Circle with letter I in it. Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months. 2% cash rewards Circle with letter I in it. Earn unlimited 2% cash rewards on purchases.

Intro: Circle with letter I in it. 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers

Purchases: 0% intro APR, 12 months from account opening

Balance Transfers: 0% intro APR, 12 months from account opening on qualifying balance transfers

Regular: 19.24%, 24.24%, or 29.24% Variable APR

Apply Now for Wells Fargo Active Cash® Card

On Wells Fargo's Secure Website.

Rates & Fees External Link Icon

Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Best for unlimited rewards on purchases 		25,000 points Circle with letter I in it. 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases 1.5-3 points per dollar Circle with letter I in it. Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees, and your points don't expire as long as your account remains open. Earn 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.

Intro: Circle with letter I in it. 0% Intro APR for 15 billing cycles for purchases. 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% - 28.24% Variable APR on purchases and balance transfers will apply. A 3% fee for 60 days from account opening, then 4% fee applies to all balance transfers. Balance transfers may not be used to pay any account provided by Bank of America.

Purchases: 0% Intro APR for 15 billing cycles for purchases

Balance Transfers: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days

Regular: 18.24% - 28.24% (Variable)

Apply Now for Bank of America® Travel Rewards credit card

On Bank of America's Secure Website.

Full Old Navy credit card Review

This credit card is a good fit for: Consumers who shop at Old Navy often and want to earn points they can redeem for purchases with the retailer.

Top perks

You get a few valuable benefits with an Old Navy Credit Card.

30% off your first purchase

When you're approved for an Old Navy Credit Card, you receive 30% off your first purchase. If you open the account online, you'll receive a discount code you can use that expires 14 days after account opening. If you open the account in store, the discount will be applied to the first purchase made in the store that same day.

Ideally, you should wait until you have a big purchase to make so that you can get the most out of this sizable sign-up offer. If, for example, you used your discount code for a $500 purchase, you'd save $150.

Up to 5 points per $1

The Navyist Rewards Credit Card and the Navyist Rewards Mastercard® both earn 5 points per $1 on purchases at Gap Inc. brands. That includes:

  • Old Navy
  • Gap
  • Banana Republic
  • Athleta

The Navyist Rewards Mastercard® also earns 1 point per $1 on other purchases. Since that's not a high rate, and it doesn't have any other bonus categories, it's not a great choice for earning rewards on your everyday spending. Even though you can use it for other purchases outside Old Navy, you're better off using other rewards credit cards.

Points are worth $0.01 each.

For every 100 points, you get a $1 reward redeemable across the Gap Inc. family of brands.

No annual fee

Store credit cards don't usually charge annual fees, and Old Navy Credit Cards are no exception. Whether you get the Navyist Rewards Credit Card or the Navyist Rewards Mastercard®, you won't need to pay anything to carry it. No annual fee credit cards are a smart way to go if you prefer to keep your bills to a minimum.

Automatic Enthusiast status

There are three levels to Old Navy's rewards program:

  • Core: The starter tier for those with under $500 in annual brand spending (this includes your spending at all stores in the Gap Inc. family of brands).
  • Enthusiast: Requires at least $500 in annual brand spending or being a cardmember.
  • Icon: Requires at least $1,000 in annual brand spending or 5,000 points as a cardmember.

By getting an Old Navy Credit Card, you'll start in the Enthusiast level. This has a couple of extra perks, including early access to deals and a quarterly bonus of 250 points every quarter that you make a purchase with one of the Gap Inc. brands.

What could be improved

Like most store credit cards, the Old Navy Credit Cards have room for improvement in several areas.

Introductory discount

This card's introductory offer (30% off your first purchase at Old Navy) can save you a lot of money. But there are much more valuable credit card sign-up bonuses, including some that offer $200 or more in cash back.

LEARN MORE: Best Credit Card Sign-Up Bonuses

Rewards outside of Gap Inc. brands

If you're approved for the Navyist Rewards Mastercard®, you can use it anywhere Mastercard is accepted. Although that's better than having a card you can only use at Old Navy and other Gap Inc. stores, you'll only earn 1 point per $1 with it outside of those brands. Many rewards cards offer more bonus categories, such as travel, groceries, gas, or dining.

Foreign transaction fee

The Navyist Rewards Mastercard® charges a 3% foreign transaction fee. It's not exactly a good travel card to begin with -- if you travel often, you're better off looking elsewhere. The foreign transaction fee just means that this definitely isn't a card to use anywhere outside the United States.

SEE TOP PICKS: Best Travel Credit Cards

Must redeem rewards at Gap Inc. brands

You can typically only redeem rewards from a store credit card at that store. You have more options with an Old Navy Credit Card, which at least lets you redeem points at any Gap Inc. brands. Regardless, this card's rewards are still limited, which is a serious drawback.

When you don't have anything you want to buy, you're stuck. You can either let your rewards sit around or pick something out solely to redeem your points, neither of which is a great option. That's why cash back cards are normally a better choice than store credit cards, because you can always use cash back.

READ MORE: Best Cash Back Credit Cards

Find the best credit card for your needs
Image of reviewer

Compare credit card rewards, fees, APRs, and more using our side-by-side comparison tool.

Compare Cards

Suggested credit score

We recommend a FICO® Score of 640 or higher to apply for an Old Navy Credit Card. A fair credit score is usually necessary to get approved for a store credit card with Old Navy.

When you apply, you're first considered for a Navyist Rewards Mastercard®. That has stricter requirements since it can be used outside of Gap Inc. brands. You'll likely need a good credit score (a FICO® Score of 670 or higher) to qualify for that card. If you're not approved, you'll then be considered for the Navyist Rewards Credit Card.

MORE OPTIONS: Best Credit Cards for Fair Credit

An Old Navy credit card is right for you if:

You shop at Old Navy at least every two to three months and you want to earn some points you can redeem for purchases there.

An Old Navy Credit Card will earn you a high rate on Old Navy spending, but that's about it. The Navyist Rewards Credit Card could also be useful for building credit if you don't have a high credit score yet. For the vast majority of consumers, and especially those with good credit who can qualify for the top credit cards, there are better options out there.

READ MORE: Expert Credit Card Reviews

Our credit card methodology

At Motley Fool Money, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and 0% intro APR offers to evaluate our ratings.

We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best card recommendations. Learn more about how Motley Fool Money rates credit cards.

FAQs

  • Credit limits for Old Navy credit cards can range from under $500 to over $5,000, but they generally start out on the low side. It depends on your income, credit history, and other factors. Many cardholders have been able to get higher limits by consistently paying on time and requesting credit limit increases.

  • You can use the Navyist Rewards Credit Card at all Gap. Inc brands, including Gap, Old Navy, Banana Republic, and Athleta. If you're approved for the Navyist Rewards Mastercard®, you can use it anywhere Mastercard is accepted.

  • Yes, the Old Navy Credit Card can build credit. Barclays, the card issuer, reports your card activity to all three of the consumer credit bureaus. If you pay your credit card bill on time, that activity will be reported and can help raise your credit score.