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Related Card Offer: Capital One® Standard Platinum Card APR: 19.80% Intro APR: 0.00% Annual Fee: $0 Apply Now

Old Navy Credit Card

APR's:
There is not an introductory APR for this card, so the lowest or standard rate of 19.80% will apply immediately. The lowest available APR is variable, meaning that the rate can change as U.S. prime rates fluctuate. You can find out how to compute your APR in the programs terms and conditions. For example, you may be instructed to add 15.8% to the U.S. prime rate.

Rewards:
This card is a store or brand specific rewards card, where you can expect rewards, gift certificates, or even rebates for your purchases.

Credit Record Needed:
Based on the FICO score recommendation, applicants should have a fairly solid credit record, with no recent negative marks on their report. A FICO score of at least 653 is recommended for a higher chance of approval for the Old Navy Credit Card, but is not required. There are a number of other factors that this issuer may also consider when making decisions for approval.

Other Basics:
The grace period listed for the Old Navy Credit Card is at least 26 days. So interest charges will not be applied during those days.

This card is intended for consumers, or "personal use".

This is a store or catalog card, not a traditional credit card. Acceptance of this card is normally bound to a specific store or catalog.

Approval Rate:
There were 2 people that reported their status to us after they applied. They provided us with helpful qualification information, including their credit scores, the rates offered to them, household income and more. 100% of those applicants were approved. There have been no approvals in our internal system that we can calculate for this card. This could be due to lack of time that this card has been listed at Finance Globe or from other various factors. As we gain more information about the approval rates, we will update them here. If you believe that you fall into the credit record of "Fair Credit" then you will have a better chance for approval. Furthermore, if your FICO score is close to or higher than 653, then your chance of approval may be greater than other applicants.

Approval Time:
Approval time for this offer is not listed. However, you could normally expect the approval process to be completed between 1 to 2 weeks, and an additional 1 to 2 weeks for the card to be delivered after you are approved.

Offer Details:

Remember, as a cardholder you get the following fabulous benefits:

• Free shipping at oldnavy.com, gap.com, and bananarepublic.com when you spend $100 or more.* Enter promo code JUST4YOU at checkout.
  
• Earn 5% cash back in Rewards at Old Navy, Gap, Banana Republic, and piperlime.com.*
  
• Approved Old Navy Visa CardHolders also earn 1% cash back in Rewards on purchases made everywhere else Visa cards are accepted.*
  
• Receive exclusive offers throughout the year, and get advance notice of sales and events.

Member Benefits: Old Navy Rewards Program provides you with the following benefits:

1. Shop at Gap, Gapbody, Gapbaby, Gap Kids, Gap Maternity, Gap Outlet, Banana Republic, Banana Republic Outlet, Old Navy, Gap Online, Banana Republic Online, Old Navy Online or piperlime.com in the U.S., Canada or Puerto Rico ("Store Locations") and for every dollar in net purchases (net purchases are merchandise purchased minus returns and adjustments) charged to your Old Navy Credit Card or Old Navy Visa Card, at any Store Location, you will earn five Rewards points. You will earn one Rewards point for every dollar in net purchases made at; 1) other merchants and charged to your Old Navy Visa Card, or 2) Store Locations outside the U.S., Puerto Rico and Canada that are charged to your Old Navy Credit Card or Old Navy Visa Card. Balance transfers, cash advances, finance charges and fees do not qualify for points. Rewards will be credited to your Old Navy Rewards Program balance.

2. Each time you earn 1000 Rewards points, you will receive a $10 Old Navy Rewards Certificate. Multiple Reward Certificates may be issued if you earn over 1000 Rewards points; however, no more than $120 in Reward Certificates will be issued in any billing period (a billing period is the number of days between issuance of your monthly credit card statement). Any Rewards points less than 1000 or worth more than $120 in a billing period that remain in the Old Navy Rewards Program balance after issuing all available Rewards Certificates for that billing period will be applied toward a Rewards Certificate in a future billing period.

3. There is no limit to the amount of Rewards points you can earn in a calendar year. For all Old Navy Credit Card and Old Navy Visa Card Accounts, Rewards points earned that have not been used toward the issuance of a Rewards Certificate will expire 24 months from the date earned.

4. Rewards Certificate(s) will generally be issued and mailed with your billing statement within one to two billing periods after you have accumulated the required number of Rewards points.

Rewards Redemption: In order to redeem a Rewards Certificate, you must; 1) have received a hardcopy Rewards Certificate in the mail, and 2) come to a Store Location within the valid dates shown on the Rewards Certificate to present and redeem the Rewards Certificate. Rewards Certificates may only be redeemed toward purchases charged to your Old Navy Credit Card or Old Navy Visa Card at Store Locations. Rewards Certificate(s) must be surrendered to the Store Location at time of redemption. You can redeem multiple Rewards Certificates up to a maximum of five (5) on a single transaction in store, but Reward Certificates cannot be combined with any promotional offer although they can be used to purchase items on sale at any Store Location. When redeeming your Rewards Certificate, the value of your purchase must be greater than the value of the Reward Certificate(s). Rewards Certificate(s) cannot be credited to an account, redeemed for cash, or used for purchasing gift cards or online gift certificates. Restrictions may apply on returns of merchandise (see Rewards Certificate for details). Additional restrictions may also apply as stated on your Rewards Certificate.

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**  APR average does not include cards where APR is 0%, unless viewing offers in the secured card category. "Annual fee average" contains the average of all fees in a specific category (Consumer cards), even where the fee is $0. This data is subject to Finance Globe's terms and conditions.

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