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Old Navy Credit Card Review


Old Navy has two types of credit card, a store card which can only be used at their outlets and a Visa credit card which offers various types of rewards. We’ll check this card out to see if it is any good.

Rewards – The Old Navy credit card allows you to earn five points for every dollar that you spend at Old Navy, Banana Republic, GAP, Piperlime and Athleta outlets. You earn one point for every dollar that you spend on other regular purchases. Once you have accumulated 1,000 points, you will get a $10 reward card to use at any of the above outlets. New card holders get to save 10% when they use their card for the first time. You can also get an additional 1,500 points if you sign up for email alerts.

Other Perks – Aside from the reward points, the Old Navy credit card also has a few other perks.

  • Free online shipping for purchases over $100
  • Advance notices of trends and sales events
  • Special birthday savings
  • Exclusive offers and promotions
  • Fees – There is no annual fee for this card.

    Verdict – The Old Navy credit card appears to be a decent credit card if you really shop a lot at their stores, as well as the Banana Republic and GAP. If you are find yourself constantly shopping there, then perhaps this is a suitable card to get to earn discounts and rewards. But I suspect that most people not only shop at Old Navy, GAP or Banana Republic, but at many places as well. If you happen to fall in that camp, then I would suggest you consider getting the Discover® More(SM) Card as they have a shopping portal called shopdiscover.com that allows you to earn 5% rebates at oldnavy.com, gap.com, bananarepublic.com and piperlime.com. As long as you go to these sites by logging into your Discover account (and obviously use your Discover Card), your purchases will be tracked and you can earn these rebates. Below are screen shots of the process.

    In the example below, I clicked on the Old Navy icon and it takes me to the page with all the details and fine prints. Once I click on the start shopping button, it will take me to the OldNavy.com store where any purchase you make with your Discover Card will be tracked and you will earn the 5% rebate. The same process goes for Banana Republic, GAP, Piperlime etc.

    The advantage of having a card like the Discover® More(SM) Card is that not only do you earn rebates, you can choose to receive the rebates and spend them elsewhere if you wish to. In fact, if you decide to exchange your cash rebates for Banana Republic or GAP gift cards, you will get more than the value of the cash rebates you have earned. (see screen shot below).

    So if you are actually looking at the Old Navy credit card, I would urge you to consider the Discover® More(SM) Card instead.


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