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Old Navy Store Credit Card Benefits and Details
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The Old Navy store credit card is a member of the GAP family of retailers and can be used to make purchases at stores that are part of the GAP brand including their respective outlets and websites. The popular brands under GAP include; Old Navy, Athleta, Banana Republic, and Hill City. This store credit card is typically issued to customers that fail to be approved for the Visa version, or to those that choose the store card and forgo the benefits of the Visa.

Annual Percentage Rate (APR)

Interest Rate for Purchases: 25.99%
Minimum Interest Charge: $2.00

Credit Card Fees

No Annual Fee
Late Payment: Up to $39.00

Sign-up Bonus and Benefits

30% off first purchase when you are approved for an account.
Sign-up bonus for the Old Navy credit card changes throughout the year and can fluctuate between 15% to 30% off first purchase.
  • Receive 5 points per dollar spent
  • 500 points is the equivalent of a $5 statement credit
  • Earn unlimited points
  • Earn 500 points when you go paperless
  • Points expire two years from last purchase

Navyist Rewards

  • Spend $1000 in a year and have account automatically upgraded to Navyist rewards tier
  • Navyist receive a quarterly bonus of 20% extra points
  • Free 3 - 5 day shipping when you use NAVYIST code at checkout


Apply Online
Card Issuer: Synchrony Bank
Where Can I Use This Card? You may use it to shop on the Internet or at all GAP branded stores; Athleta, Banana Republic, Hill City, and Old Navy.
Customer Service Phone Number: 866-450-5295
Pay Your Bill Online



Editor review

The Old Navy credit card has the same credit card offer and rewards as it's parent company the GAP.
Overall rating 
Interest Rate (APR) 
Steven Merkel Reviewed by Steven Merkel July 06, 2019
#1 Reviewer  -   View all my reviews (24)

The Old Navy credit card has the same credit card offer and rewards as it's parent company the GAP.

Do You Recommend This Credit Card?

This is a reasonable store credit card offer for those who like to shop at the Old Navy and the GAP subordinate retailers.
The online shopper that spends enough to receive free shipping will see the most benefit from this credit card.

Is The Interest Rate Competitive

The Federal Reserve continues to hike interest rates pushing many store credit card's interest rates towards 30%. This offer is no different in that regard. You will be hard pressed to find a retailer card below 25% interest.

How Do You Like the Rewards

The rewards program is average. It is not the best rewards program out there, but it has some nice perks for the loyal shopper.
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  • Interest Rate (APR)
  • Fees
  • Rewards
Do You Recommend This Credit Card?
Is The Interest Rate Competitive
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