Old Navy Credit Card: The Rewards, Benefits And Costs

Have you been wondering if Old Navy Credit card would be a good choice for you? Find out here today by evaluating the rewards, benefits, and costs (fees) associated with both cards. The store has two types of cards: Old Navy store card and Visa credit card.

Old Navy Credit Card Review

The store card and Visa card are offered by Old Navy via Synchrony Bank. Just like Macy’s and TJ Maxx, these cards come with loads of good stuff. For example, cardholders get 5 points for every $1 they spend at Old Navy store, Gap, Banana Republic & Athleta. In other words, users are given 5 points reward for every $1 they spend at any sector of Gap Inc. and 1 point for every dollar spent at other places through their Visa card. Users can use these points to redeem rewards with Gap Inc. (companies and brands), or can as well receive $5 reward for every 500 points they earn.

The good stuff doesn’t end there. Users who reach 5,000 points within a year get automatic upgrade to a Navyist account which provides more benefits, such as:

  • 20% extra Rewards points every quarter.
  • Free basic alterations on purchases made at Banana Republic
  • Free shipping on all online orders from Old Navy, Banana Republic, Gap, Athleta with code NAVYIST
  • Private toll-free priority phone line: 866-450-5295

Like I have already explained above, the credit card provides rewards for purchases carried out at any Gap related companies. It provides tons benefits for frequent consumers of its brands, such as Old Navy, Gap, Banana Republic and Athleta. Get 15% off your first purchase with the credit card by simply applying in-store or online. Note: this discount only applies to its merchandise.

The Difference Between the Two Types Credit Cards

The store card can only be used at Old Navy store and subsidiaries. However, the Visa card can be used anywhere that Visa is acceptable. Also, the interest rates (charges) and rewards differ.

What You Should Know About The APR And Applicable Fees

Both cards come with no annual fee and a 25.74% APR for purchases (Note: the APR is variable). The rate varies based on the market. Synchrony Bank, the financial institution that issues these cards charges at least $1.50 for the Visa card and $1.00 for the store card, if you have a balance on your card and you’re charged interest.

The Visa card gives cardholders privilege to take cash advances for a variable of 27.24% APR. Old Navy cash advance fees is 4% of the cash advance amount or $10. Other fees worth knowing include a 3% foreign transaction fee. Also, the store card and Visa card are designed to incur late payment penalties of $37 (fee may change).

How To Avoid High Interest Rate Of Both Cards

Both the store card and Visa card come with high interest rates. In order for you to avoid paying unnecessary amounts of interest on your purchases, it is advisable that you pay off your balance as quickly as possible. This is how it works, the longer you carry your balance the more interest you’re likely to incur.

Let’s take for example, using your rewards card, you bought $500 worth of clothing and shoes. You start making the minimum monthly payment which is $25 or 3%, and it took you approximately 27 months to pay off the money. If you make your calculation right, in the end you would realize that the transaction is likely to cost you approximately $156 of interest charges.

Hypothetically, in another scenario, you were charged $500 on your Old Navy credit card, and you paid up immediately, you will not incur additional charges. In other words, you won’t need to pay any interest charges.

The point here is that you should try as much as possible to avoid the high interest rate associated with your card. And you can only actualize this by paying off your balances as quickly as possible. This will help you save money.

Old Navy Credit Card Value Rating

The card gets a green check when it comes to value rating. Considering the breadth of merchandise within the establishment one can purchase, the 5% rewards points can be well spent. Also the 15% off is something worth considering. However, just like JCPenney credit card, Victoria’s Secret credit card and the likes, the APR is unsurprisingly at the high side (25.74%).

The Card Summary

Card TypeVISA
Issued bySynchrony Financial
Credit ScoreMedium
Introductory APRN/A
Ongoing APR25.74%
Annual Fee$0
Bonus, Rewards, Benefits1% (outside Gap) 5% (within Gap)
Cash Advance Fee$10 or 4% or Cash Avance
Late Payment Fee$37
Returned Payment Fee$37
Login Linkhttps://securelogin.synchronybank.com/myaccount/loginUserActionGetOnly
Card Descriptionhttp://www.oldnavy.com/products/old-navy-credit-card.jsp
Card SecurityChip and Signature
Terms of Servicehttp://www.oldnavy.com/products/old-navy-credit-card.jsp
Official websitewww.oldnavy.gap.com

Contact Old Navy Customers Service

You can use the phone number and address in the table below to contact Synchrony Bank in respect of your credit cards, for complaints or assistance.

AddressSynchrony Bank

P.O. Box 965030

Orlando, FL 32896-5030

Phone Number1-866-396-8254

Old Navy Credit Card Login Guide

Follow the guideline below to login to your account.

Step 1 → Go to Old Navy login page with this llink: https://securelogin.synchronybank.com/myaccount/loginUserActionGetOnly. You will be taken to a new window

Step 2 → Enter your Username and Password into the two boxes provided.

Old Navy Credit Card Login Form

Login Form

Step 3 → Finally, click on the Login button and you’ll be taken to the dashboard of your account.

Old Navy Credit Card Bill Payment

There are three ways you can pay your bills with these cards.

First Method

You can easily make your payment by logging into your credit card account. Follow the step above to login and look for the bill payment section.

Second Method

Mail your payment to the address below. Ensure to include the payment stub in your mail.

For Private Label Credit Cards mail to:Synchrony Bank

P.O. Box 960061

Orlando, FL 32896-0061

For Visa credit cards mail to:Synchrony Bank

P.O. Box 960013

Orlando, FL 32896-0013

Third Method

You can also make your payment on the phone by calling this number 1-866-396-8254. This method may cost you a little fee.

I suppose you have seen the good and the bad side of the Old Navy store card and Visa card. Considering the rewards attached to it and the large merchandise within the establishment, the card may be worth giving a try.


  1. Werner
    June 20, 2018
  2. Steve
    August 29, 2018

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