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  Old Navy Credit Card

Old Navy Credit Card

in Personal Credit Cards from Synchrony Bank

Claimed

Old Navy Credit Card

Claimed

in Personal Credit Cards from Synchrony Bank

Net Recommendation Score -50%

SUPERMONEY NET RECOMMENDATION SCORE

-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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0 users recommend
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1 user doesn't recommend
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Highlights
Community Rating

Rating not yet determined  

Purchase APR  (Variable APR) Starting at 28.24%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 600 - 850
Annual Fee $0

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 & 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 benefits.
Old Navy Credit Card FAQ

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% .

Does Old Navy Credit Card have an introductory APR offer on balance transfers?

No, Old Navy Credit Card does not come with an introductory APR offer for balance transfers.

Does Old Navy Credit Card have an introductory APR offer on new purchases?

Old Navy Credit Card does not offer an introductory rate on new purchases.
Old Navy Credit Card Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

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?

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 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.

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.

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • 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
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

No Annual Fee  
Annual Fee $0
No Interest Grace Period for Late Payment 23 days
Minimum Interest Charge $2
Late Fee Amount Up to $38
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Bonus Rewards 20% off first purchase. 10% off 60-day Welcome Shopping Pass
Rewards Categories Retail
Purchase APR (Variable APR) Starting at 28.24%
Card Type Store Card
Card Network Other

Old Navy Credit Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

-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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