Old Navy Credit Card Reviews 2024 | Intuit Credit Karma (2024)

FAQs

What score is needed for an Old Navy Credit Card? ›

You need a credit score of 700+ to get the Old Navy Credit Card. This means at least good credit is required for approval. On the other hand, you'll need a score of 640+ (fair credit) to have a decent chance of being approved for the Old Navy Store Card.

Yes, it is hard to get the Old Navy Credit Card because it requires at least good credit for approval. Unless your credit score is 700 or higher and you have a lot of income, it will be difficult for you to get approved for this card.

Like any other credit card application, you'll be subject to a credit check when you apply for the Old Navy card, which includes a hard inquiry on your credit report.

The Old Navy Credit Card reports to the credit bureaus once each month, within days after the end of your monthly billing period. Synchrony Bank reports the card's credit limit, account balance, payment status, and more to TransUnion, Equifax, and Experian.

When applying for the Old Navy Credit Card, the issuer will most likely use TransUnion in order to assess your creditworthiness. The activity on your Old Navy credit card will be reported to the three major credit bureaus, TransUnion, Experian and Equifax on a monthly basis.

The Old Navy Credit Card credit limit is $1,000 or more; everyone who gets approved for this card is guaranteed this limit. This is also the minimum starting credit limit for the Old Navy Store Card. For the most part, Old Navy Credit Card credit limits depend on each applicant's overall credit standing.

The nRewards Secured card from Navy Federal is the easiest Navy Federal credit card to get approved for because it's a secured card. You might be eligible for this card even if you have bad credit or a limited credit history.

The Old Navy Credit Card and the Old Navy Store Card are both issued by Barclays Bank US.

Credit Cards are issued by Synchrony Bank. You can activate your card with Synchrony Bank online, or by calling: Old Navy Credit Card: 866-450-8389; Navyist Credit Card: 866-450-8393.

How much do you get off with an Old Navy Credit Card? ›

For each $1 you spend at Old Navy or its other brands using your credit card, you gain five points—five times the amount someone with just an Old Navy rewards card (the company's free version) makes. For every 100 points you accumulate, you receive $1 off your next purchase of any merchandise item.

The issuer does not offer a pre-approval tool through their website, so anyone interested in applying for Old Navy Credit Card will have to do so without the benefit of checking for pre-approval beforehand.

The usual Old Navy Credit Card approval time is instant, especially if you apply online. However, if there's something unclear on your file, the decision can take up to 14 days.

The Old Navy Store Card, on the other hand, can only be used at Old Navy, Athleta, Banana Republic, and Gap. That's because it is a store card and it can only be used at the merchants the card is affiliated with. This answer was last updated on 01/09/24 and it was first published on 12/20/16.

Fortunately, the only real difference in their terms is the fact that you get 1 point per $1 spent outside the Old Navy family with the Mastercard, while you can only use the store card at affiliated brands.