If you’re looking for an Old Navy credit card, you’ve come to the right place. In this comprehensive guide, we will walk you through everything you need to know about the Old Navy credit card. Whether you’re a seasoned credit card user or a newcomer, this article will provide you with valuable insights into the Old Navy credit card, its benefits, rewards, and how to make the most of it.
What Is the Old Navy Credit Card?
The Old Navy credit card is a retail store credit card that offers various benefits and rewards to its cardholders. It is issued by Synchrony Bank, which is known for providing credit cards for a wide range of retail stores. The Old Navy credit card comes in two variants: the Old Navy store card and the Old Navy Visa credit card. For more rewards, you can also get a Navy Federal Platinum Credit Card.
Old Navy Store Card
The Old Navy store card is the basic version of the card, and it can only be used for purchases at Old Navy stores and on the Old Navy website. If you are approved for this card, you won’t have the flexibility to use it at other stores within the Gap Inc. brand family, such as Gap, Banana Republic, Athleta, and Hill City.
Old Navy Visa Credit Card
On the other hand, the Old Navy Visa credit card offers more versatility as it can be used anywhere Visa is accepted. This means you can use it not only at Old Navy but also at any other merchant that accepts Visa payments. Having the Old Navy Visa credit card opens up a world of possibilities when it comes to earning rewards and enjoying additional perks.
Benefits of the Old Navy Credit Card
1. Welcome Shopping Pass
When you are approved for the Old Navy credit card, you can take advantage of a 10% discount on your purchases during the first 60 days. This welcome shopping pass can be especially valuable if you plan to make significant purchases shortly after getting the card.
2. Exclusive Offers
Old Navy frequently offers exclusive deals and discounts to its credit cardholders throughout the year. These exclusive offers can include early access to sales, special promotions, and other money-saving opportunities. By using your Old Navy credit card, you can access these discounts and enjoy substantial savings.
3. Reward Points
The Old Navy credit card rewards program allows you to earn points for your purchases. You can earn five points for every dollar spent at Old Navy, both in-store and online. Additionally, you’ll earn one point for every dollar spent everywhere else that Visa is accepted. These points can be redeemed for rewards, including discounts on future Old Navy purchases.
4. Navyist Status
Navyist is a special cardholder status within the Old Navy credit card program. To achieve Navyist status, you need to accumulate 5,000 points within a calendar year. Once you reach this status, you’ll unlock even more benefits, including:
- 20% extra reward points every quarter
- Free shipping on online orders from Old Navy, Gap, Banana Republic, and Athleta with the code “Navyist“
- Free basic alterations on Banana Republic purchases
- Access to a dedicated toll-free customer service number for cardholders
How to Apply for the Old Navy Credit Card
Applying for the Old Navy credit card is a straightforward process. Here are the steps to get started:
- Visit the Old Navy website or go to a physical Old Navy store.
- Choose the type of Old Navy credit card you want to apply for: the Old Navy store card or the Old Navy Visa credit card.
- Fill out the credit card application form with your personal information, including your name, address, and social security number.
- Review the terms and conditions of the card, including the interest rates and fees.
- Submit your application.
- Wait for a decision from Synchrony Bank. They will review your credit history and financial information to determine if you qualify for the card.
- If approved, you will receive your Old Navy credit card in the mail.
Using Your Old Navy Credit Card
Once you receive your Old Navy credit card, you can start using it to make purchases. Here are some tips for using your card effectively:
- Pay Your Balance: It’s essential to pay your credit card balance in full each month to avoid interest charges. By doing so, you can maximize the rewards and benefits of the card without incurring additional costs.
- Redeem Your Rewards: Keep track of the reward points you accumulate and redeem them for discounts or other rewards when you reach a sufficient balance.
- Take Advantage of Exclusive Offers: Be on the lookout for exclusive offers and discounts available to Old Navy credit cardholders. These promotions can help you save money on your purchases.
- Manage Your Account Online: Enroll in online account management and paperless statements to keep track of your transactions, payments, and account activity conveniently.
Conclusion
The Old Navy credit card can be a valuable addition to your wallet if you frequently shop at Old Navy or other Gap Inc. brand stores. With its welcome shopping pass, exclusive offers, reward points, and Navyist status, there are plenty of reasons to consider getting this card.
Before applying for the Old Navy credit card, make sure to review the terms and conditions, including interest rates and fees. Additionally, always use your credit card responsibly by paying your balance in full and taking advantage of the rewards and benefits it offers.
Frequently Asked Questions (FAQs)
How do I apply for an Old Navy Credit Card?
You can apply for an Old Navy Credit Card by visiting the Old Navy website or going to a physical Old Navy store. Choose the type of card you want (Old Navy store card or Old Navy Visa credit card), fill out the application form with your personal information, review the terms and conditions, and submit your application. The bank will review your credit history, and if approved, you will receive the card in the mail.
What are the benefits of having an Old Navy Visa Credit Card over the Old Navy Store Card?
The Old Navy Visa Credit Card offers more versatility as it can be used anywhere Visa is accepted, not just at Old Navy. It also comes with enhanced rewards and benefits, including the ability to earn points on purchases made outside of Gap Inc. stores, whereas the Old Navy Store Card is limited to Old Navy purchases.
How can I check my Old Navy Credit Card balance and manage my account?
You can easily manage your Old Navy Credit Card account online by enrolling in online account management. This allows you to check your balance, view transaction history, make payments, and access paperless statements. Simply log in to your account on the Old Navy website to get started.
What is Navyist status, and how do I achieve it?
Navyist status is a special cardholder status within the Old Navy Credit Card program. To achieve Navyist status, you need to accumulate 5,000 points in a calendar year. Once you reach this status, you’ll enjoy additional benefits, including 20% extra reward points every quarter, free shipping on select online orders, and other exclusive offers.
Are there any annual fees associated with the Old Navy Credit Card?
No, the Old Navy Credit Card does not typically charge an annual fee. It’s important to review the card’s terms and conditions to ensure you are aware of any potential fees that may apply, but an annual fee is not a standard feature of the card.