If you’re looking for a credit card that gives you rewards and discounts on your purchases at Old Navy, you might want to consider applying for an Old Navy credit card.
In this complete guide, we’ll go over everything you need to know about the Old Navy credit card, including its benefits, fees, and how to apply.
What is an Old Navy Credit Card
An Old Navy credit card is a store credit card that is issued by Synchrony Bank. It can be used to make purchases at Old Navy, as well as its sister brands Gap, Banana Republic, and Athleta.
The card offers rewards and benefits for cardholders who frequently shop at Old Navy.
Benefits of an Old Navy Credit Card
The Old Navy credit card comes with several benefits, including:
- Reward points: You can earn 5 points for every $1 spent at Old Navy, Gap, Banana Republic, and Athleta. Once you reach 500 points, you’ll receive a $5 reward certificate that can be used towards future purchases.
- Birthday gift: As an Old Navy credit cardholder, you’ll receive a special birthday gift each year.
- Exclusive promotions: Cardholders get exclusive access to promotions and discounts throughout the year.
- Free shipping: You’ll get free standard shipping on all Old Navy purchases made with your credit card.
- Bonus points events: Throughout the year, Old Navy may offer bonus points events where you can earn extra points on your purchases.
Fees and Interest Rates of an Old Navy Credit Card
Like most credit cards, the Old Navy credit card comes with certain fees and interest rates. Here’s what you need to know:
- Annual fee: There is no annual fee for the Old Navy credit card.
- Interest rates: The APR for the Old Navy credit card is 24.99%, which is higher than average. It’s important to pay your balance in full each month to avoid accruing interest.
- Late fees: If you miss a payment, you’ll be charged a late fee of up to $40.
- Returned payment fees: If a payment is returned, you’ll be charged a fee of up to $40.
- Foreign transaction fees: There is a fee of 3% for foreign transactions.
How to Apply for an Old Navy Credit Card
If you’re interested in applying for an Old Navy credit card, follow these steps:
1. Visit the Old Navy website
Go to the Old Navy website and click on the “Credit Card” link at the bottom of the page.
2. Fill out the application
Click on the “Apply now” button and fill out the application form. You’ll need to provide personal information, including your name, address, and social security number.
3. Review the terms and conditions
Before submitting your application, make sure you read and understand the terms and conditions of the card.
4. Submit your application
Once you’ve reviewed the terms and conditions, click on the “Submit” button to complete your application.
5. Wait for approval
After submitting your application, you’ll need to wait for approval. You may be approved instantly, or it could take a few days to receive a decision.
6. Activate your card
If you’re approved for the Old Navy credit card, you’ll receive your card in the mail. Once you receive it, you’ll need to activate it before you can start using it.
Related: It is easy to transfer money between credit cards.
Tips for Using Your Old Navy Credit Card
Here are some tips to help you make the most of your Old Navy credit card:
- Pay your balance in full: To avoid accruing interest, it’s important to pay your balance in full each month.
- Use it for Old Navy purchases: You’ll earn the most rewards by using your Old Navy credit card for purchases. Use it for other purchases only if necessary.
- Take advantage of bonus points events: Keep an eye out for bonus points events, as they can help you earn rewards faster.
- Use your rewards: Once you earn reward certificates, make sure to use them before they expire. You can redeem them for purchases at eligible places.
Conclusion
The Old Navy credit card can be a great way to earn rewards and save money on your purchases.
However, it’s important to use it responsibly, pay your balance in full each month, and take advantage of the benefits and discounts it offers.
By following these tips and making smart shopping choices, you can make the most of your Old Navy credit card and enjoy the rewards it brings. Also read about important tips for paying credit card debt fast without a loan.
FAQ’s
Is there a limit to the rewards I can earn with my Old Navy credit card?
No, there is no limit to the rewards you can earn with your Old Navy credit card.
Can I use my rewards at Old Navy’s online store?
Yes, you can use your rewards both in-store and online at Old Navy, Gap, Banana Republic, and Athleta.
What should I do if my Old Navy credit card is lost or stolen?
If your Old Navy credit card is lost or stolen, you should contact Old Navy customer service immediately to report it and request a replacement.
Can I combine my Old Navy credit card rewards with other discounts?
Yes, you can combine your rewards with other discounts and promotions.
How long does it take to receive my Old Navy credit card after approval?
You should receive your Old Navy credit card in the mail within 7-10 business days after approval.
Can I pay my Old Navy credit card bill online?
Yes, you can pay your Old Navy credit card bill online through the Synchrony Bank website.
Is there a penalty for canceling my Old Navy credit card?
No, there is no penalty for canceling your Old Navy credit card, but you will lose any rewards you have earned if you do so.
Can I return items purchased with my Old Navy credit card?
Yes, you can return items purchased with your Old Navy credit card for a refund. If you used rewards certificates to make the purchase, the value of the certificate will be credited back to your account.
Can I use my Old Navy credit card to make payments on other bills?
No, you cannot use your Old Navy credit card to make payments on other bills.
How can I check my Old Navy credit card balance?
You can check your this card balance by logging into your account on the Synchrony Bank website or by calling the customer service number on the back of your card.
What happens if I miss a payment on my Old Navy credit card?
If you miss a payment on your Old Navy credit card, you may be charged a late fee and your interest rate may increase. Pay your balance on time each month to avoid fees and damage to your credit score.
Can I add an authorized user to my Old Navy credit card?
Yes, you can add an authorized user to your Old Navy credit card. The authorized user will receive their own card, but the primary cardholder is responsible for all charges made to the account.
How do I apply for an Old Navy credit card?
You can apply for an Old Navy credit card online, in-store, or by mail. To apply online, go to the Old Navy website and click on “Apply Now” under the Old Navy credit card section.