Old Navy Credit Card Review | CreditShout

Old Navy Credit Card Review

By Kevin / March 9, 2010

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Verdict: The Old Navy Credit card has a competitive rewards program for a store card, however it has a very high APR. If you avoid carrying a balance (which I always recommend, regardless of what card you have) this card can be good for those who shop frequently at Old Navy, Gap, Banana Republic, Piperlime or Athleta.

With that said, I still recommend the Discover More Card over this card because of the fact that it offers 5% cash back on clothing purchases at ANY STORE and also 5% cash back on other popular rotating categories like groceries, home improvement, gas, and more.

Another thing I really like about Discover More is the fact that you can earn 5% cash back from Old Navy all year long by shopping online through the ShopDiscover portal. Instead of getting a store specific card, you will save more money in the end going with a more well rounded card like Discover More, Amex Blue Cash, etc.

How this card works: This credit card allows you to earn 5 rewards points for every dollar you spend at Old Navy, Gap, Banana Republic, Piperlime and Athleta. You then earn 1 point for every dollar you spend on all other purchases. The rewards program is pretty basic, however I like the fact that this card earns 5% back at a few other stores as well.

Fees: This card has no annual fee.

Rewards: For every 1,000 points you earn you receive a $10 rewards card that can be used at Old Navy, Gap, Banana Republic, Piperlime and Athleta stores. You also get 10% off of your first purchases with the card. You also get free shipping on orders over $100.

Pros:

  • Earn 5 Points for every dollar you spend at Old Navy, Gap, Banana Republic, Piperlime and Athleta.
  • 10% off your first purchase.
  • Earn 1 Point for every dollar you spend on all other purchases.
  • No Annual Fee.

Cons:

  • Very High APR
  • Like most store cards, this card really doesn’t have any other perks or benefits other than the rewards program.
The editorial content on this page is not provided by any of the companies mentioned and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author's alone. Additionally, the opinions of the commenters are not necessarily the opinions of this site

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