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Old Navy Visa Review

overall rating
1.7

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Verified by Michael Rosenston
Updated December 20, 2021

For people who buy a lot of their clothing at Old Navy and other Gap Inc. brand stores, the Old Navy Visa could be a good fit. It offers 20% off their first purchase on the Old Navy website and 5 points for each dollar spent at Gap Inc. brand stores.

Old Navy Visa Credit Card

Overall Rating
1.7
Old Navy Visa Credit Card
On Synchrony Bank's Secured Site.
Current Offer

Open & use a Navyist Rewards Credit Card & get 20% off your first purchase with your new card at Old Navy.

Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 25.99% variable
Annual Fee $0
Rewards Earning Rate Earn 5 points for every $1 spent on Gap brands. Earn 1 point for every $1 spent on other purchases.
Foreign transaction fee (%) 3%
how this card stacks up
When compared among all rewards cards in our database:
Rewards
Benefits
Low Fees
Security/Customer Experience
Low Interest
worst best
Read our full methodology.

The Old Navy Visa is not one of our top-rated rewards credit cards. You can review our list of the best rewards credit cards for what we think are better options.

Full Review of Old Navy Visa

table of contents
Pros

  • Discount on first Old Navy purchase

  • No annual fee

  • Exclusive offers

Cons

  • Rewards can only be used at certain stores

  • High regular APR

Pros Explained

  • Discount on First Old Navy Purchase: The Old Navy Visa card offers a discount on the first purchase you make with it at the Old Navy website. If you open the card online, you'll get a code that can be used only on the Old Navy website. If you open the card in-store however, your discount will be applied to that day's purchase and can't be used online or in the future.
  • No Annual Fee: There is no annual fee with the Old Navy Visa card. 
  • Exclusive Offers: Throughout the year, cardholders may also get presale access to sales as well as other special offers.

Cons Explained

  • Rewards Can Only Be Used at Certain Stores: With this branded Visa, your rewards can only be redeemed at Gap Inc. owned brands, either in-store or online. There is no cash-back program or other way to use rewards.
  • High Regular APR: The regular APR for the Old Navy Visa card is higher than comparable cards. For example, both the Target RedCard and Kohl’s Charge card charge a significantly lower regular APR than the Old Navy Visa, which is telling since store-only cards typically charge higher APRs than general use retail co-brand credit cards.

This Card is Best For

  • Avatar for Annual Fee Averse Persona
    Resists or refuses an annual fee on principle or due to cost
    Annual Fee Averse
  • Avatar for Rewards Strategist Persona
    Seeks to maximize points or miles earnings across spending categories
    Rewards Strategist

The Old Navy Visa card is designed for people who shop at stores falling under the Gap Inc. brand, in particular Old Navy. It’s also possible to earn extra points for purchases at Gap, Banana Republic, and Athleta stores. 

Because rewards can only be redeemed for Gap Inc. purchases, this card would not be ideal for people who do most of their clothes shopping at other retailers.

Old Navy Visa One-Time Offer

This credit card doesn’t come with a one-time offer in terms of points. Instead, it offers 20% off the first purchase you make with the card at OldNavy.com. After being accepted for the card, if you’re eligible for the offer, you’ll be sent a one-time discount code that you can enter at checkout. Alternatively, if you open the card at a store your discount will be automatically applied to that day's purchase.

Rewards Earning Details

Earning rewards with the Old Navy Visa card is fairly straightforward. Cardholders receive 5 points for every dollar spent with Gap Inc. brands, whether in-store or online. All other purchases made with this card earn 1 point per dollar.

There are other ways to earn extra points, such as entering an email address or signing up for paperless statements. 

Rewards Redemption Details

Rewards can be redeemed when you receive 500 points—a value of $5. That makes each point worth one cent.

You can redeem rewards by using a code online or on your phone, or by presenting the reward in the store. Rewards are only redeemed on purchases charged to the Old Navy Visa card account.

Transferring Points

There is no way to transfer points to other programs. However, it’s possible to use your rewards from the Old Navy card on purchases with other Gap Inc. brands.

How to Maximize Your Rewards

The best way to maximize rewards with the Old Navy Visa is to use it to make as many of your clothing purchases as possible at Old Navy and other Gap Inc. brands. 

According to the Bureau of Labor Statistics, the average consumer spent $1,434 on clothing in 2020. So if you bought all that clothing using the Old Navy Visa card with Gap Inc. brands, you’d earn 7,170 points—translating to $71.70 in rewards that you could use toward future clothing purchases.

Your other spending on the Old Navy Visa, at 1 point per dollar, would result in additional rewards that you could also use on clothing purchases.

However, if you want more flexible rewards and the potential for cash back, it might make more sense to focus on a cash-back card like the Amex Blue Cash Everyday, which also has no annual fee and offers tiered cash-back earnings on different categories, such as supermarkets, gas stations, and department stores. 

Old Navy Visa’s Outstanding Benefits

  • Presale access to sales
  • Exclusive offers throughout the year

Standard Benefits

  • Zero fraud liability

Cardholder Experience

The Old Navy Visa card is issued by Synchrony Bank. In the 2021 J.D. Power U.S. Credit Card Satisfaction Study, Synchrony ranked 9th out of 11 national card issuers. Synchrony's score was a good deal below the average.

Synchrony offers mobile apps for cardholders so they can manage their accounts on the go. It's available for both iOS and Android devices.

Security Features

Synchrony features zero liability for fraudulent purchases. Additionally, the Old Navy Visa credit card is equipped with chip technology and the latest security technology.

Our Verdict

For the most part, the Old Navy Visa card is best suited to people who frequently shop at Old Navy or other Gap Inc. stores. However, rewards can only be redeemed for future Gap Inc. purchases. If you're looking for a more flexible rewards program, including cash back, the Blue Cash Everyday card from American Express provides more ways to earn tiered rewards and redeem for cash instead of discounts on merchandise.

Compare This Card
See how this card compares to similar cards
CURRENT CARD
Old Navy Visa Credit Card
overall rating
1.7
Old Navy Visa Credit Card
Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 25.99% variable
Annual Fee $0
Rewards Earning Rate Earn 5 points for every $1 spent on Gap brands. Earn 1 point for every $1 spent on other purchases.
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Overall Star Rating Explained
To rate credit cards we objectively assess, score and weight nearly 100 individual card features which roll up into five major feature sets: fees, interest, rewards, benefits and security/customer service. Here’s how we weighted those feature sets for the overall star rating of a card:
We have applied our proprietary rating methodology to every generally-accepted credit card in the U.S. domestic market to allow consumers to make fully informed choices. It’s important to note that for our overall score that we make a number of assumptions about how you would be using your credit card:
  1. While we make no assumption as to whether balances are carried on a given card we do assign varying weights to all credit cards’ introductory APR (if present) in addition to the regular, long term purchase and balance transfer interest rates.
  2. We utilize BLS (U.S. Bureau of Labor Statistics) income and average category spending data to calculate annual earnings rates for rewards cards that offer cash back, points or miles rewards at a set rate on all spending or in consideration of bonus rewards for certain spending categories, like gasoline, groceries, restaurants or travel.
  3. We determine the maximum points value of rewards cards by dividing the points, cash back or miles required to exchange for the retail price of the most valuable redemption option (for example, in the case of a card that offers a domestic roundtrip airline ticket as a redemption option vs. another redemption option of lesser value that requires the same amount of points or miles to acquire, we would base the rewards value on the airline ticket).
  • Cards that are selected best overall in their respective categories generally feature most if not all of the following attributes:
  • Low or Reasonable Fees Credit card fees come in many forms but the primary ones involve those for annual card membership and balance transfer. There are a myriad of reward and non-reward card options that charge no annual fee but for the many that do assess an annual fee the cost is often justified by their lucrative ongoing rewards and initial signup bonuses. Balance transfer fees are occasionally waived during introductory periods with certain cards, a factor which is heavily and positively weighted in our scoring model for cards offering this benefit. When charged, balance transfer fees range between 3% - 5%, which we grade accordingly. Other standard fees can generally be avoided, such as those for paying late or taking cash advances but we rate those relative to other cards in the market for reference, though with less weight assigned
  • Competitive Interest Many cards offer 0% introductory APR on purchases and balance transfers for varying lengths and then revert to a permanent or regular APR (based on a variable rate tied to the prime rate) that applies to any balances not paid in full. We rate both introductory APR percentage and length (in months) along with the midpoint of the variable regular APR interest rate range.
  • Valuable Rewards Credit card reward programs can be based on cash back, points or travel rewards (which can be generic or travel partner-specific, as with airline and hotel co-brand card programs). For cards that offer rewards we determine the value per dollar spent along with average redemption values and assign more favorable ratings to cards that offer superior consumer value. We also assign value to sign-up bonus offers and their initial spending requirements, when present.
  • Excellent Benefits Credit card benefits cover a range of offerings like concierge service, TSA Pre-check, auto rental coverage, travel accident insurance, lost luggage assistance and free credit scores. We rate cards on the number and level of over a dozen standard and upscale benefits and provide extra weighting emphasis for those travel-related perks that apply to premium travel cards when present.
  • Solid Security/Customer Service Security and customer service features like lost or stolen card replacement, being able to lock one’s card from an issuer app and 24 hour customer support are becoming more standard across the card market and we provide a significant amount of weighting to features in this area.
  • You can also read the full version of our methodology for a more in-depth look at how we assess cards and award them the best in various categories.