Old Navy Credit Card Review

Old Navy is a popular option for clothing shoppers of all kinds. Who does their credit card make the most sense for?

Like most modern retailers, Old Navy offers a store-branded credit card as well as an Old Navy Visa. The basic difference is the store card can only be used at Gap Inc stores and the Visa card can be used anywhere that accepts Visa. Both cards have only one application so which card you are granted is based entirely on creditworthiness—those with higher credit scores are more likely to be approved for the Visa. The Old Navy credit cards are most beneficial to those who shop very frequently at Gap Inc-affiliated stores and can save money on purchases through the Gap Inc Rewards Program. Here’s what you need to know:

The Old Navy Rewards Program is a point system earned through purchases made online or inside Gap Inc-affiliated stores, and Visa purchases made anywhere for Old Navy Visa cardholders. Upon approval, Old Navy cardholders receive a discount off their first purchase. There is also a signup point bonus for making your account paperless and another for signing up for email updates.

Get the most points for spending on the card at Gap stores. However, if you have the Old Navy Visa, you’ll get some points on any transactions on the card, no matter where you spend. If you spend enough on the card, you’ll unlock the elite Navyist status which makes you eligible for greater savings. While that’s fine and good for people who shop at Gap stores, especially Old Navy, keep in mind that, initially, credit limits are usually low and interest rates are high. So a word of caution is in order: Don’t plan to carry a balance on this card.

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Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.