Old Navy Credit Card

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% .

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.

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.