Old Navy Credit Card Review

Old Navy Credit Card is a store credit card issued by Synchrony Bank. If you're wondering whether Old Navy Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key takeaways:

• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR starting at 28.24%
• 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 stand a chance of qualifying if your credit score is not below 600.

Old Navy Credit Card Pros and Cons:

The Good	The Bad
A higher credit score earns customers the Visa version of this card. Points earned on purchases. No annual fee. Considers applicants with fair or poor credit. 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 rewards.

Is there a Old Navy Credit Card cash back or rewards program?

No, Old Navy Credit Card does not offer a rewards program. This card features rewards for purchases in the following categories:

• Retail

What are the relevant APRs for Old Navy Credit Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Old Navy Credit Card has higher than average purchase APRs.

Old Navy Credit Card has a variable purchase APR starting at 28.24% .

What are the fees for Old Navy Credit Card?

The following fees apply to Old Navy Credit Card:

Old Navy Credit Card Fees

Fees	Amount
Annual Fee	$0
Late Payment Fee	up to $38

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

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 can 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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.