Old Navy Credit Card

Synchrony Pending

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11

Benefits

2

Reward Categories

5x

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: old-navy-credit-card

Issuer: Synchrony

Card Name: Old Navy Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 10, 2026 08:18

Last Scraped: Feb 07, 2026 04:55

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony Bank provides benefits to eligible Servicemembers and their families under the Servicemembers Civil Relief Act (SCRA).

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
Old Navy, Gap, Banana Republic, Athleta Purchases 5x Points Purchases made at Old Navy, Gap, Banana Republic, and Athleta stores or online. No Cap
All Other Purchases 1x Points Purchases made everywhere Visa credit cards are accepted (for Old Navy Visa Cardmembers only). No Cap
Rewards Summary
PENDING

Reward Type: Points

Base Rate: 1x

Bonus Rate: 5x

Categories: Old Navy, Gap, Banana Republic, Athleta

Quarterly Rotating: No

Expiration Policy: Points expire 12 months after they are earned. Rewards Certificates expire 90 days after issuance.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Redemption Penalties: Rewards Certificates are only redeemable at Gap Inc. brands (Old Navy, Gap, Banana Republic, Athleta) and cannot be used for gift card purchases.

Benefits & Protections (Detailed) 11 Total
PENDING
Lifestyle 2
Birthday Offer
Varies

Cardmembers receive a special offer during their birthday month.

Dedicated Customer Service Line (Navyist Status Benefit)
Dedicated service

Cardmembers who achieve Navyist Rewards status gain access to a dedicated customer service line.

Shopping 8
First Purchase Discount
20% off

Cardmembers receive a 20% discount on their first purchase when they open and use their new Old Navy Credit Card.

Rewards Earning Rate (Gap Inc. Brands)
5 points per $1

Cardmembers earn 5 points for every $1 spent on purchases made at Old Navy, Gap, Banana Republic, Athleta, and Old Navy Outlet stores and online.

Rewards Earning Rate (Everywhere Else - Visa Card)
1 point per $1

Old Navy Visa Cardmembers earn 1 point for every $1 spent on purchases made outside of Old Navy, Gap, Banana Republic, Athleta, and Old Navy Outlet, wherever Visa is accepted.

Reward Redemption Value
$1 reward per 100 points

Cardmembers receive a $1 reward certificate for every 100 points accumulated.

Exclusive Cardmember Offers
Varies

Cardmembers receive access to exclusive discounts and promotional offers throughout the year.

Free Shipping (Navyist Status Benefit)
Free shipping on orders $50+

Cardmembers who achieve Navyist Rewards status receive free shipping on all online orders of $50 or more.

Bonus Points Day (Navyist Status Benefit)
25% extra points

Cardmembers who achieve Navyist Rewards status can choose one day to earn 25% extra points on purchases.

Free Basic Alterations (Navyist Status Benefit)
Free basic alterations

Cardmembers who achieve Navyist Rewards status receive free basic alterations on purchases made at Banana Republic.

Status Benefits 1
Navyist Rewards Status Eligibility
Path to Navyist Status

Cardmembers are eligible to achieve Navyist Rewards status by earning 5,000 points or spending $500 across Gap Inc. brands in a calendar year.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
No Sign-Up Bonus Available

Click "Get Data" button below to fetch sign-up bonus information.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Penalty APR: 29.99%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Balance Transfer: Either $10 or 4% of the amount of each balance transfer, whichever is greater.
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater.
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 33.99%

Cash Advance APR: 33.99%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 6 months

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6 Months or if you make a late payment.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
580 - 669
Good
Supported
Application Process
Available
Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: The Old Navy credit card, issued by Synchrony, is primarily a store-specific card. Eligibility requires applicants to be at least 18 years old (19 in AL/NE), a US resident, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meet Synchrony's creditworthiness criteria. Applications are typically processed online or in-store, often with an instant decision. The standard initial bonus is a percentage discount (e.g., 20-30%) applied to the first purchase made on the day of approval. Ongoing rewards are earned as points per dollar spent at Old Navy and other Gap Inc. brands (Gap, Banana Republic, Athleta).

Max Cards Per Issuer: 5

Min Spend Interval: The initial bonus (first purchase discount) is applied immediately upon approval and first use. Ongoing rewards accrue per transaction with no specific minimum spend interval required to earn points.

Shutdown Risk Triggers: Common triggers for account review or shutdown by Synchrony include: high cumulative credit exposure across multiple Synchrony accounts, rapid application for numerous Synchrony cards within a short period, suspected abuse of return policies or promotional offers, unusual spending patterns inconsistent with typical store card use, manufactured spending (though less common for store cards), and significant derogatory changes to the cardholder's credit profile (e.g., missed payments, high utilization across other accounts).

Cliff Effect Rules: The Old Navy credit card is part of the broader Gap Inc. credit card program managed by Synchrony, which includes cards for Gap, Banana Republic, and Athleta. While each card is a separate account, Synchrony often considers a cardholder's total credit exposure across all Gap Inc. branded cards. Upgrading from the basic store card to a co-branded Old Navy Visa Card is a common path. Approval for new cards within the Gap Inc. family may be influenced by existing credit limits and payment history across other Synchrony-issued Gap Inc. cards.

Special Events: Old Navy cardholders frequently benefit from exclusive 'Super Cash' earning and redemption periods, bonus points events (e.g., 2x, 3x, 5x points on specific days or categories), early access to sales, and additional cardholder-only discount days throughout the year.

Holiday Promos: Significant promotional periods for Old Navy cardholders align with major US holidays and shopping seasons, including Black Friday/Cyber Monday, Christmas/New Year, Memorial Day, Labor Day, and Back-to-School. These periods often feature enhanced discounts, bonus rewards, and special financing offers.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.5 / 5.0

Top Positive:
Frequent discounts and rewards for Gap Inc. brands, initial application discount, relatively easy approval for building credit.

Top Negative:
High APR, poor customer service from Synchrony Bank, rewards are limited to Gap Inc. stores, difficult to manage account or redeem rewards.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Target RedCard
  • Discover it Cash Back
  • Amazon Prime Rewards Visa Signature

Card Value Score: 70.0 / 100

Est. Annual Rewards: $120.00

Approval Probability: 85.0%

Version Control
PENDING

Version ID: 2023-10