Old Navy Visa Credit Card
Basic Information
Program ID: old-navy-credit-card
Issuer: Synchrony
Card Type: Credit
Network: Visa
Card Tier: Standard
Data Complete: Yes
Created: 01/10/2026 08:18
Last Scraped: 01/15/2026 08:37
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,999.00% - 2,999.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $1,000.00
Spending Requirement: $0.00
Time Period: 30 days
Bonus Timing: Bonus points typically post within 6-8 weeks after the first purchase is made and appears on the first or second billing statement.
Rewards Program
Reward Type: Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x at Old Navy, Gap, Banana Republic, Athleta
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points expire 24 months after earning or upon account inactivity.
Transfer Partners: None
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
Approval Criteria
Recommended FICO Range: 670 - 750
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: To be eligible for the Old Navy Credit Card (issued by Synchrony), applicants must be at least 18 years of age, a U.S. resident, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meet Synchrony's creditworthiness criteria. Applications are typically processed instantly online or in-store. The primary 'bonus' is usually an immediate discount on the first purchase (e.g., 20-30% off). Ongoing rewards include 5 points per $1 spent at Old Navy and other Gap Inc. brands (Gap, Banana Republic, Athleta) and 1 point per $1 on all other purchases (for the co-branded Visa/Mastercard version). Points convert to reward certificates.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: Not applicable for a traditional sign-up bonus; initial discount is immediate. Ongoing rewards are earned continuously.
Shutdown Risk Triggers: High cumulative credit limit across multiple Synchrony accounts, extended periods of account inactivity, frequent returns or unusual spending patterns suggesting abuse of store policies, late payments or significant derogatory marks on credit reports, rapid accumulation of new credit accounts across multiple issuers, or suspected fraudulent activity.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.6 / 5.0
Top Positive Feedback:
Good for frequent Old Navy/Gap Inc. shoppers, offers valuable discounts and rewards, relatively easy to get approved for, occasional special financing offers.
Top Negative Feedback:
High APR, rewards can expire, frequent complaints about Synchrony customer service, limited value for spending outside Gap Inc. brands.
Approval Experience Score: 72.5 / 100
Recommended Alternatives
- Target RedCard
- Amazon Store Card (Synchrony)
- Capital One Quicksilver
Card Value Score: 65.0 / 100
Est. Annual Rewards: $110.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 40% Store / 60% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0