Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
25.99%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
0%(Verified 06/21/2024)
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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
- APR: This is not a great card for people who carry a balance. It has a variable regular 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 you have a fair credit score or better.
Pros & Cons of Old Navy credit card
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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
| Description |
- 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 for accounts that carry a balance (as of November 2024) is 22.80%. 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?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | 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 customer service number for Old Navy credit card 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 login page for Old Navy credit card?
You can access the login page of Old Navy credit card 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 to the following credit bureaus:
- 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 build your credit.
Does Synchrony Bank perform a hard credit pull?
Yes, Old Navy credit card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Old Navy credit card
- Visit the website of Old Navy credit card.
- 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.
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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.
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