Old Navy Credit Card

Old Navy Credit Card
Advertiser Disclosure
Annual Fee
Regular APR
24.99% (Variable)
Open-loop card or Close-loop card
Close-loop card

Additional Information

Balance Transfer Fee
Purchase Intro APR
Transfer Intro APR
Late Payment Fee
Up to $38
Returned Payment Fee
Cash Advance Rate
Cash Advance Fee
Foreign Transaction Fee
Smart Chip
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Sign-up Bonus

No Sign-Up Bonus.


No Rewards..

Application Requirements

Minimum credit score
Minimum Age

How To Apply Old Navy Credit Card

  • Fill in the retail credit card application form, which contains basic personal information, including your social security number and annual net income, and then click Continue.

  • Confirm whether you want to receive electronic or paper reconciliations or add authorized users to your account. Choose paperless sentences to get 500 bonus points.

  • If you want to continue your application, please check the terms and conditions and select "I agree".

  • Click the Safe Submit button to process your application.

  • Quick access to this card? Click on the Apply Now button.

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How To Use Old Navy Credit Card

Where Can You Use Old Navy Credit Card?

  • Old Navy is part of Gap (Gap, Old Navy, Banana Republic, and Athleta), so your card can be used in these stores as well.

Pay Your Old Navy Credit Card Bill On Time

  • Your due date is at least 23 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.

Something About Old Navy Credit Card Rewards

  • Earn 5 points per dollar spent across Gap Family Brands

  • 20% off first purchase

  • Special Events, Discounts, & Promos

  • Bonus Point Shopping Days

  • 60-day 10% Savings Pass

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Credit card applications are straightforward, but you'll need to meet some minimum financial requirements to get approved for the best credit card offers. Learn how to apply for a credit online and what to expect after you click submit.

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  • If you don't have good credit, you may find it difficult to get approved for a card with a large sign-up bonus and a lucrative reward structure. Each credit card application ends up on your credit report, so the Nerds recommend using our credit cards comparison tool to find a card that fits your credit profile before applying.
  • If the card allows balance transfers, you may request to have balances transferred from other credit card accounts to the new card.
  • To apply for a credit card in the US, you’ll need a valid Social Security number and a positive credit history. The best rewards credit cards may require at least three to five years of good credit history, and some more than seven.
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