Old Navy Credit Card

Old Navy Credit Card is a Reward Credit Cards.

Old Navy Credit Card is a credit card provided by Old Navy for customers to help shopping. The Old Navy is a clothing retailer, founded in 1994, headquartered in San Francisco, California. Old Navy offers customers four types of credit cards. Old Navy Credit Card is more suitable for Old Navy's loyal shoppers, providing customers with a good shopping experience, bringing more shopping discounts. So if you like shopping, you can learn some ways to save money.

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Old Navy Credit Card List

Old Navy Visa® Card

  • Get 20% off on your first purchase upon approval.
  • Earn 5 points for every $1 spent at Old Navy, Gap, Banana Republic and Athleta. Earn 1 point for every $1 spent everywhere else you use your card.
  • Get $5 Rewards Card for every 500 points you earn.
  • Earn 500 bonus Rewards points if you Go Paperless and another 500 bonus rewards points when you sign up for email updates.
  • Reach Navyist status by earning 5,000 points in a calendar year and you’ll have access to exclusive extras.

Old Navy Credit Card

Sign-up BonusGet 20% off on your first purchase upon approval.RewardsEarn 5 points per dollar spent across Gap Family Brands20% off first purchaseSpecial Events, Discounts, & PromosBonus Point Shopping Days60-day 10% Savings Pass

Navyist Visa® Card

Sign-up BonusGet 20% off on your first purchase upon approval.Rewards1 point per dollar spent anywhere Visa is acceptedSpecial Visa Cardholder Offers/Promos

Navyist Credit Card

Sign-up BonusGet 20% off on your first purchase upon approval.Rewards20% Bonus Points Each QuarterEarn 5 points per dollar spent across Gap Family BrandsEarn 5 points per dollar spent across Gap Family Brands20% off first purchaseSpecial Events, Discounts, & PromosBonus Point Shopping Days60-day 10% Savings Pass

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Alternatives

If you want more cash back, you can choose Nationwide Credit Card.

Nationwide Credit Card

no longer accepting applications for new credit cards. If you already have a card, no worries—you’ll still be able to use it as normal.

If you would like to shop at Store, you can choose AMAZON REWARDS VISA SIGNATURE CARD.

AMAZON REWARDS VISA SIGNATURE CARD

The Amazon Rewards Visa Signature Card is a credit card offered by Amazon and Chase. If you use Amazon regularly, this card could potentially provide you with a lot of cash back.

This card has been chosen as one of our Best Store Credit Cards.

This card can be used anywhere Visa credit cards are accepted, which is pretty much anywhere credit cards are accepted. There’s also a similar card you can only use at Amazon, the Amazon.com Store Card.

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What Credit Cards Are Available? (4)

Old Navy Visa® Card Old Navy Visa® Card Old Navy Credit Card Old Navy Credit Card Navyist Visa® Card Navyist Visa® Card Navyist Credit Card Navyist Credit Card
Sing-Up Bonus Yes No No No
Annual fee $0 $0 $0 $0
Benefits
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
20% Bonus Points each Quarter
Free 3- to 5-day Shipping across Gap Family Brands
1 point per dollar spent anywhere Visa is accepted
Special Visa Cardholder Offers and Promos
15% discount on the purchases at Old Navy on the account activation day

What is a rewards credit card?

Some credit cards only charge you for using their product. But others will reward you for the amount of money you spend with their cards. Credit cards reward programs come in different forms, but they all give you a benefit for using cards. In general, you earn a certain number or percentage of rewards for every dollar you charge on your credit card. Some cards reward you more for spending in certain areas or may only give you rewards on certain purchases.

According to statistics, 45% of Americans make the reward card as their first choice when they want to apply for a new credit card. If you choose carefully and take care to avoid potential pitfalls, you can benefit greatly from rewards credit cards, and even use them to help improve your credit scores.

What are the benefits of rewards credit cards?

Save money

With some cards, you will earn one point for every dollar spent. However, some reward credit cards offer a higher rate for a particular category or merchant, or a higher yield after you spend a certain amount. Rewards programs can be a great way to save money, especially for a vacation or the holiday season. Many cards will attract new customers with a sign-up bonus.

Additional sign-up bonuses and benefits

Many reward cards attract new customers with a sign-up bonus.

Customer protection

Many types of rewards credit cards have customer protection, including return protection and price protection. Some reward cards have extended return protection, providing a 60- to 90-day return period over the typical 30-day return period for the original merchant for most purchases made with the card. Some cards provide price protection by refunding consumers the difference if they make a purchase and later identify another merchant that sells the same item at a lower price with a period of time.

What do you need to apply for a rewards credit card?

Credit score

The issuer will review your personal credit history when determining whether to approve your credit card and what terms you are eligible for. Responsible past use of credit will maximize your chances.

Application

You can apply for a store credit card online, in banks or by email depending on the card. And you just need to fill in your personal information and submit your application. The credit card issuer will consider your credit reports and several different factors when reviewing your application to get an idea of your creditworthiness.  

How to use a rewards credit card?

Read your credit card terms and conditions.

This will give you an idea of how you can earn rewards, when rewards will post and other information.

Take advantage of sign-up bonuses

Many reward credit cards provide sign-up bonuses, please remember to take advantage of sign-up bonuses before they expire.

Focus your spending

It is easy to become impulsive in getting rewards. The more credit cards you use, the less reward you accumulate on each credit card. Concentrate your spending on a single card that offers the best value in the category you spend the most, instead of spacing your shopping across multiple cards and it's hard to really help you to get enough rewards on one card.

Maximize your rewards

Reward credit cards offer many ways to help you to save money on everyday items and big-ticket purchases. Keep an eye out for earning double or triple rewards opportunities. In addition, you need to know when your reward points will expire.

Buying a gift card

Card issuers offer many different options for cardholders to redeem their rewards points. Gift cards are one of the most popular ways, because of their features of flexibility and point-to-dollar value. Some cards offer extra rewards when cardholders buy a gift card through retail partners.

Know when your rewards points expire

Remember to check the fine print in your credit card agreement carefully and note when your rewards points will expire. Some credit cards allow cardholders to buy points back after they expire, but we recommend you to use them on time.

Pay your bill in full on time

Rewards credit card provide rewards program, but tend to have higher interest rates. If you carry a balance, your interest charge may be more than your rewards. Therefore, we recommend you to pay the bill in full on time in order to avoid paying high interest.

About Cards-Offer

About three-quarters of Americans have at least one credit card,In fact, the average person has 3.4 cards. But whether you have a wallet full of plastic or have never charged a purchase in your life, you should know how to apply for a credit card the right way when the time comes. getting approved for a credit card requires proactive planning that should start long before you apply. That's why Cards-Offer born, we aim to help you to find the right credit card, and then successfully apply a credit card.

How To Apply For A Credit Card

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.

  • Knowing your credit score and what's on your credit report can help you determine what products to apply for. If you have fair credit, for example, you may not want to apply for a card that clearly states that only applicants with excellent credit will be approved.
  • 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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