How to Apply for Old Navy Card in Several Ways


Old Navy offers fashionable clothes and accessories for the entire family. An Old Navy card can save you money on their already-reasonable prices. The Old Navy card offers points on all your purchases. To qualify for an Old Navy card, you need a good credit score, which is a score of about 700 or higher. If you have excellent credit, you may qualify for an Old Navy Visa card.

Apply for Old Navy Card Online

You can apply for Old Navy card online.

  1. To get started, visit www.oldnavy.com and click “Credit Card” in the upper right-hand corner.
  2. Click the blue “Apply Now” button near the middle of the page.
  3. Enter your first and last name, your address, and your primary phone number. Type your email address and then confirm your email address.
  4. Provide your Social Security number and your date of birth. Enter your annual net income, which is your income after taxes.
  5. Click the blue “Continue” button and follow the prompts to finish your application.
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Other Ways to Apply for Old Navy Card

You can also complete an Old Navy credit card application by visiting an Old Navy store. Let an associate know that you’d like to apply for a card.

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Old Navy Card Rewards Program

The Old Navy card offers five points for every dollar you spend at Old Navy, the Gap, Athleta, and at the Banana Republic. You earn $5 for every 500 points. If you qualify for an Old Navy Visa, you earn one point for every $1 you spend at any other location. You also receive 20 percent off on your first Old Navy card purchase.

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Old Navy Card FAQs

How do I get my rewards?
Your rewards are issued as gift certificates. If you earn 5,000 points in a calendar year, you also get 20 percent more reward points each quarter and free shipping.

Can I add an authorized user?
You can add an authorized user, but you are responsible for paying for any purchases that user makes using their card.

Is there an annual fee?
There is no annual fee for the Old Navy card.

Is there a late fee?
There is a late fee of up to $38 if your payment is received after the due date.

What’s the APR for an Old Navy card?
The APR for an Old Navy card is 26.74 percent, and it’s variable based on the Prime Rate. If you take a cash advance on the Old Navy Visa card, the APR on that advance is 28.74 percent.

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Old Navy Card Reviews

Old Navy cardholders are happy with the rewards, especially if they’re frequent Old Navy shoppers. Some have reported issues with having their card limits reduced unexpectedly or having their accounts closed altogether due to lack of use. There are also a few complaints about customer service. Some have also noted that the APR is high, so it’s best to pay it off in full each month.

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