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Old Navy Credit Card Review (2024): Is It Worth It?
The Old Navy Credit Card offers unique benefits for frequent shoppers of Old Navy and affiliated brands. Issued by Barclays, this card provides a high rewards rate on purchases and no annual fee. However, it comes with a high APR and some limitations. In this comprehensive review, we'll explore the pros, cons, and overall value of the Old Navy Credit Card.
Old Navy Credit Card At A Glance
- Annual Fee: $0
- Rewards: Earn 5x points for every $1 spent in-store and online at Gap, Old Navy, Banana Republic, and Athleta
- Interest Rate: 31.24% variable APR
- Credit Score Required: 670-850 (Good to excellent)
- Cardmember Perks: Additional benefits for loyal customers.
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Pros and Cons of the Old Navy Credit Card
Pros
- No annual fee
- High rewards rate on Old Navy and affiliated brand purchases
- Navyist Rewards: Easy online account management
Cons
- High APR
- Limited reward redemption options
- Reports of account closures
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What is the Old Navy Credit Card?
The Old Navy Credit Card, issued by Barclays, is a store-branded card that offers rewards for purchases at Old Navy, Gap, Banana Republic, and Athleta. It provides 5 points per dollar spent at these stores, which can be redeemed for rewards certificates. Cardmembers can also achieve Navyist Rewards status, unlocking additional benefits.
Key Highlights of the Old Navy Credit Card
- High Reward Rate: Earn 5x points for every $1 spent at Old Navy and affiliated brands.
- Exclusive Offers: Cardholders receive special discounts and promotional offers.
- No Annual Fee: The card does not charge an annual fee, making it cost-effective for loyal shoppers.
- Online Account Management: Users can easily sign in to the Old Navy credit card account to manage payments and view statements.
- Navyist Rewards: Achieve Navyist status for even more rewards and benefits.
Downsides of the Old Navy Credit Card
- High APR: With an interest rate of 31.24% variable APR, carrying a balance can be expensive.
- Limited Usage: Rewards are only redeemable at Old Navy and affiliated brands, limiting flexibility.
- Account Closures: Some users have reported unexpected account closures, impacting their credit scores.
Old Navy Credit Card Reddit Reviews
There are mixed reviews about the Old Navy Credit Card, with some customers expressing concerns about account closures and negative experiences. However, it's important to note that not all customers have had these issues, and many people have had positive experiences with the card.
Who Should Get the Old Navy Credit Card?
The Old Navy Credit Card is best suited for frequent shoppers of Old Navy, Gap, Banana Republic, and Athleta. If you often shop at these stores and can pay off your balance in full each month to avoid high interest charges, this card could be a good fit for you. Achieving Navyist Rewards status can further enhance the value for frequent shoppers.
How to Apply for the Old Navy Credit Card
You can apply for the Old Navy Credit Card, now called the Navyist Rewards Mastercard, in a few easy steps. Here’s how:
- Kudos: Kudos is the best and easiest way to apply for new credit cards.
- Online Application: Visit the Old Navy website and navigate to the credit card application page. Fill out the necessary information and submit your application online.
- In-Store Application: Visit any Old Navy store and apply in person. A store associate can assist you with the application process.
- Phone Application: You can also apply by calling 1-800-886-9710 for a secure application. This option allows you to apply over the phone with a customer service representative.
Once you submit your application, you will receive an immediate response. If you’re not approved right away, you’ll get a letter from Synchrony Bank within 30 days explaining the decision. As with any credit card application, a credit check will be conducted, which includes a hard inquiry on your credit report. After approval, you can easily sign in to your Old Navy credit card account online to manage your payments, view statements, and access exclusive cardmember benefits.
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Alternatives to the Old Navy Credit Card
If you’re looking for more flexible rewards and lower interest rates, consider the Chase Sapphire Preferred® Card. While store cards like the Old Navy Credit Card can offer good rewards for specific retailers, they may not be the best choice unless you are a frequent shopper at those stores. The Chase Sapphire Preferred provides broader rewards options and travel benefits.
Chase Sapphire Preferred® Card
- Welcome Bonus: Get up to $1,050 in Chase Travel℠ value. Earn 60,000 bonus points after $4,000 in purchases in your first 3 months from account opening. That’s worth $750 when redeemed through Chase Travel. Plus, get up to $300 in statement credits on Chase Travel purchases within your first year.
- Rewards: 2x points on travel and dining at restaurants, 1 point per dollar spent on all other purchases.
- Annual Fee: $95
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Our Expert Takeaway
The Old Navy Credit Card offers valuable rewards for loyal shoppers of Old Navy and its affiliated brands. However, its high APR and limited reward redemption options may not make it the best choice for everyone. Consider your shopping habits and financial needs before applying. For frequent shoppers, achieving Navyist Rewards status can be particularly beneficial.
Additionally, you can enhance your rewards even further by using Kudos. Kudos is a free, AI-powered smart wallet that helps you maximize your credit card rewards. It recommends the best card to use for each purchase, ensuring you get the most out of your Old Navy Credit Card and other cards in your wallet. Start using Kudos today to turn your everyday spending into significant rewards!
Old Navy Credit Card FAQs
How Does an Old Navy Card Work?
An Old Navy Card works like a regular credit card but offers specific rewards for purchases made at Old Navy and affiliated stores. You earn points for every dollar spent, which can be redeemed for rewards certificates.
How Do I Access My Old Navy Account?
You can access your Old Navy account by signing in to the Old Navy credit card login page on the Barclays website or app.
How Long Does It Take to Get Approved for an Old Navy Credit Card?
Approval for the Old Navy Credit Card typically takes a few minutes after submitting your application online or in-store.
How Do I Contact My Old Navy Barclays Credit Card?
You can contact Old Navy Barclays Credit Card customer service by calling the number on the back of your card or visiting the Barclays website for more contact options.
Did Old Navy Change Their Credit Cards?
Yes, Old Navy changed their credit card issuer to Barclays, providing enhanced benefits and online account management options.
How Do I View My Barclaycard Statement Online?
You can view your Barclaycard statement online by logging into your Old Navy credit card account through the Barclays website or app.
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Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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