The Old Navy Credit Card is a store credit card that can be used at any of the Gap Inc. brands, including Old Navy, Banana Republic, and Athleta. The card has no annual fee and offers special rewards and discounts to cardholders.

The Old Navy Credit Card comes with a few different benefits that can be appealing to shoppers looking to save on clothes or shop for new fall fashion.

What are the Benefits of the Old Navy Credit Card?

There are a few benefits that come with having an Old Navy Credit Card, including exclusive offers and discounts on clothes, accessories, and more. Some of the most notable benefits include:

Free Shipping on All Orders: Cardholders receive free standard shipping on all orders, regardless of the size or price of the order.

Cardholders receive free standard shipping on all orders, regardless of the size or price of the order. 20% Off Your First Purchase: New cardholders receive a 20% discount on their first purchase at any Gap Inc. store.

New cardholders receive a 20% discount on their first purchase at any Gap Inc. store. 15% Off Your Birthday: Cardholders receive a 15% discount on their birthday at any Gap Inc. store.

Cardholders receive a 15% discount on their birthday at any Gap Inc. store. Exclusive Deals and Coupons: Cardholders receive exclusive deals and coupons throughout the year that can be used at any Gap Inc. store.

The Old Navy Credit Card also comes with a few different financing options, which can be helpful for larger purchases.

What are the Financing Options for the Old Navy Credit Card?

The Old Navy Credit Card offers 0% APR financing for the first 6 billing cycles after opening the account. After that, your interest rate will be 12.99% to 22.99%, depending on your creditworthiness and prevailing interest rates.

The card also offers 0% APR financing for balance transfers for 6 months. The fee is 3%.

How Do Interest Rates Apply?

The APR of the Old Navy Credit Card is 12.99% to 22.99%. The rate will be based on your creditworthiness and prevailing rates at the time of approval.

Late payments can attract a penalty interest rate of 29.99%. Cash advances incur a penalty interest rate of 27.24%, along with a fee that is either $10 or 3%.

What Are the Requirements for Approval?

To be approved for an Old Navy Credit Card, you must:

Be at least 18 years old. Have a source of income and valid Social Security number. Have a U.S. address and phone number (no P.O box numbers).

How Does the Old Navy Credit Card Compare to Other Store Cards?

The Old Navy Credit Card is a good option for those who want to save on clothes at Gap Inc. stores. It offers free shipping, 20% off the first purchase, and 15% off on your birthday.

The card also offers 0% APR financing for the first 6 billing cycles, which can be helpful for larger purchases.

The card does have a high interest rate after the introductory period, so it may not be the best option for those who carry a balance from month to month.

The Old Navy Credit Card is also comparable to other store cards, such as the JCPenney Credit Card, the Macy’s Credit Card, and the Gap Silver Credit Card.

What Additional Benefits Does Old Navy Offer?

Old Navy offers a variety of benefits to cardholders that go beyond what you get with other store cards. Some of these perks include:

• Free Shipping on All Purchases: Through the Old Navy Careers site, you can order any item and have it shipped for free.
• Through the Old Navy Careers site, you can order any item and have it shipped for free. 30% Off Your First Purchase: For $0 online purchase via the Gap Inc. Career Site, new cardholders will receive a 30% off discount on one purchase.
• For $0 online purchase via the Gap Inc. Career Site, new cardholders will receive a 30% off discount on one purchase. 20% Off Your Birthday: Get 20% off at Gap, Banana Republic, and Old Navy on your birthday.