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  Old Navy Credit Card
Old Navy Credit Card Claimed

Old Navy Credit Card

Claimed
Net Recommendation Score -50  

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of -50, equating to 2 on a 5 point rating scale.

-50

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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Highlights
Community Rating

Rating not yet determined  

Purchase APR  (Variable APR) 25.99%
Balance Transfer APR  (Variable APR) 0%
Credit Score Range 650 - 850
Annual Fee $0

Old Navy Credit Card Review

This is a store card issued by Synchrony Bank. If you're wondering whether Old Navy credit card is the right card for you, read on.

Key Takeaways

  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 25.99%
  • No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
  • Fair or better credit required. You will have good approval odds if your credit score is above 650.

Pros & Cons of Old Navy credit card

The Good The Bad
  • A higher credit score earns customers the Visa version of this card.
  • Points earned on purchases.
  • No annual fee.
  • Old Navy Credit Card reports to multiple credit bureaus.
  • High interest rate
  • Store only card
  • Higher than average purchase APRs.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.
  • Does not include many credit card benefits.

Old Navy credit card FAQ

Does Old Navy credit card have a cash back or rewards program?

No, it does not offer a rewards program. This card features rewards for purchases in the following categories:

  • Retail

What are the Old Navy credit card benefits?

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Old Navy credit card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

Old Navy Credit Card has a variable purchase APR of 25.99%. The card has a variable balance transfer APR of 0% .

Does Old Navy credit card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Old Navy credit card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Old Navy credit card?

The following fees apply:

Old Navy credit card Fees
Fees Amount
Annual Fee $0
Returned Payment Fee $0
Late Payment Fee up to $39

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

What is the customer service phone number for Old Navy credit card?

The Old Navy credit card customer service number is (866) 226-5638.

What is the support contact email for Old Navy credit card?

The support contact email for Old Navy credit card is customer.service@mail.synchronybank.com.

What is the Old Navy credit card login page?

You can access the Old Navy credit card login page here.

How do people rate the customer service and user experience of Old Navy credit card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does Old Navy Credit Card report your account activity to credit bureaus?

Yes, Old Navy Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Old Navy credit card

  • Visit the Old Navy credit card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday 8:00am - 12:00am
  • Monday 8:00am - 12:00am
  • Tuesday 8:00am - 12:00am
  • Wednesday 8:00am - 12:00am
  • Thursday 8:00am - 12:00am
  • Friday 8:00am - 12:00am
  • Saturday 8:00am - 12:00am

Other Services by Synchrony Bank

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Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Cash Advance Fee Minimum $0
No Annual Fee
No Foreign Transaction Fee
Annual Fee $0
Minimum Interest Charge $2
No Interest Grace Period for Late Payment 23 days
Returned Payment Fee $0
Late Fee Amount Up to $39
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
Rewards Categories
  • Retail
APR Type Variable APR
Purchase APR (Variable APR) 25.99%
Balance Transfer APR (Variable APR) 0%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Store Card
Card Network Other

Old Navy Credit Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of -50, equating to 2 on a 5 point rating scale.

-50

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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