Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
Balance Transfer APR (Variable APR)
Credit Score Range
Annual Fee
Old Navy Credit Card Review
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
| The Good | The Bad |
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Old Navy credit card FAQ
Does Old Navy credit card have a cash back or rewards program?
- 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.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? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What is the customer service phone number for Old Navy credit card?
What is the support contact email for Old Navy credit card?
How do people rate the customer service and user experience of Old Navy credit card?
Does Old Navy Credit Card report your account activity to credit bureaus?
- Equifax
- Experian
- TransUnion
Does Synchrony Bank perform a hard credit pull?
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.
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.
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850
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N/A
Credit Score Range
300
850
Annual Fee
Purchase APR
Balance Transfer APR
Credit Score Range
300
850
Annual Fee
Purchase APR
Balance Transfer APR
Credit Score Range
300
850
Annual Fee
Purchase APR
Balance Transfer APR
Credit Score Range
300
850
Annual Fee
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SuperMoney Net Recommendation Score
Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.
-67
Old Navy Credit Card Community Reviews
Would you recommend Old Navy Credit Card to your friends?
Justine W.
Oct 23, 2023
May or may not recommend
Alissa D.
Oct 11, 2020
May or may not recommend
Chris J.
Aug 6, 2020
May or may not recommend
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