Old Navy Credit Card


  • Enjoy 20% off your first Old Navy Card purchase*
  • View & redeem Rewards with one click
  • Track points to your next Reward & tier status
  • Access your earned offers & more
  • Earn points when you make a purchase at our family of brands, in-store and online. Then, redeem your Rewards at any Gap Inc. brand
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards
Fair Credit, Limited Credit Personal $0* N/A* N/A* 25.99%* Store Specific

This Credit Card Is Currently Not Available

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Old Navy Credit Card Quick Summary:
This is a Other rewards card, issued by Synchrony Bank. Store reward cards normally offer rebates on specific brand merchandise or purchases. This card is intended for consumers, or "personal use" with a fair credit history. Rates may vary among applicants, however the lowest standard APR is 25.99%* (Variable)*.

Important Rates:
There is not an introductory APR for this card, so the lowest or standard rate may apply immediately or after the grace period for eligible purchases. There is no annual fee for this card.*

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

Credit Record Needed:
Based on the FICO score recommendation, applicants should have a recently clean credit record, with no recent negative marks on their report. However the card issuer may expect limited discrepancies. A FICO credit score of 602 to 655 is recommended for a higher chance of approval, but this is not required. There are a number of other factors that this issuer may also consider when making decisions for approval. While your FICO score is usually a very important factor, you may want to consider other areas that may affect a decision for approval. For example, your debt to income ratio, recent credit inquiries, 30+ day delinquencies, or current credit accounts nearing the maximum amount may affect a credit decision.

FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, a credit score alone does not guarantee or imply approval for any Synchrony Bank product.

Other Basics:
The grace period listed for the Old Navy Credit Card is at least 23 days*. So interest charges will not be applied for new purchases during this time if balance is paid in full by the due date. Be aware that some issuers will begin charging interest on cash advances and balance transfers on the transaction date.



Approval Rate:
There were 26 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. 81% of those applicants were approved.

The approval rate for this card is moderately high. Furthermore, if your FICO score is close to or higher than 642, then your chance of approval may be even greater.

Approval Time:
Approval time for this offer is not listed. You should expect a final credit decision within a couple of weeks, but normally much sooner.

Community Opinion:
Based on community reviews, we found that 71% of 14 users recommend this card.

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