The Old Navy credit card receives a 30% discount on the first buy thing. Using an Old Navy credit card spent 1 dollar and earn points.
Its Associated Rewards program and actually will serve as an article review of all the credit cards within the Gap family of Brands. Because Old Navy Gap Banana Republic and Athleta are all sister stores and their credit card rewards program all funder falls under the same umbrella.
Old Navy Credit Card Review And Earn Points 2023
Old Navy purchases at the Gap Banana Republic
So both in terms of earning rewards and redeeming rewards you can do those across the uh family of Brands but I’m going to concentrate on Old Navy. in this article because it is the most popular of the uh Brands but you could think of this as being applicable to all of the Gap family Brands bold. Navy offers the Navius rewards program and you can earn points in it even if you don’t have a credit card if you don’t have a credit card you will earn one point per dollar on your purchases at Old Navy or purchases at the Gap Banana Republic or Athleta.
Old Navy Credit Card Earn Points
Now if you get their credit card you will earn five points per dollar on those same purchases so the one point per dollar you could think of as a one percent reward the five points per dollar. You can think of as a five percent reward because when you go to redeem those points they’re going to be worth a penny a piece so one point per dollar is going to be worth one penny five points per dollar gonna be worth five pennies or five percent.
Now while that five percent reward is nice on your Old Navy purchases or your purchases at other Gap stores you should know that the points you earn can only be used toward future purchases at Old Navy or one of those other gap family stores. so you’re not going to use them toward cashback you’re not going to get to use them toward travel Rewards or anything else only toward future purchases that’s not necessarily ideal.
But the good news there is that you can use your points for as little as one dollar when it comes to redeeming them so you don’t have to accumulate five dollars or ten dollars or even more than that before you can redeem them as a partial payment toward your future purchases at Old Navy or one of the other stores at as little as one dollar. Now when you apply for the Old Navy credit card they actually are going to be considering. You first for an Old Navy MasterCard that you could use at Old Navy but then also outside of Old Navy anywhere that MasterCard is accepted.
Old Navy Master Card
If you are approved for the MasterCard version of the Old Navy card well then you would earn one point per dollar on purchases that. You make outside of Old Navy or outside of any of the Gap Brands and actually. If you are approved for the world MasterCard version of the Old Navy car you would get two points per dollar on purchases.
Outside of Old Navy and outside of the Gap Brands even if you are approved for the world MasterCard though I don’t necessarily know. if I would use this card outside of the Gap unless I didn’t have any other good rewards credit cards because again you are limited to using those points only on future purchases at Old Navy or one of the other Gap Brands. So unless you really love Old Navy or the other brands you might prefer to use a different credit card that gives you decent rewards that you could use toward cashback or travel or something else.
Old Navy Credit Card Earn Up to 2 000 Extra Points
So that nice five percent at Old Navy or the other gap stores that’s good to use this card outside of them. If you are approved for the Old Navy credit card you will get a bonus on the front end which is you will get 30 off your first order that you pay for with the card as long as you make that order within 14 days of being approved. For the card in addition to the points you earn on your everyday purchases there are some extras that you can earn with this card as well there is a brand bonus once per year where you could earn up to 2 000 extra points.
If you use the card to make purchases at multiple Brands within the Gap family so if you bought something from Old Navy and something from Gaap and something from Banana Republic and something from the Letter. You were to cover all four of their brands and you would get that full 2 000 Point bonus after a year and then there also is a quarterly bonus. If you use the card if you are someone that reaches icon status meaning you’ve spent at least a thousand dollars with the card. In the previous uh calendar year well then you would have a couple other perks there you would have a uh 15 off day that you get to choose you have a double your rewards day.
Old Navy Birthday Gift
As part of that, all cardholders get some sort of birthday bonus or birthday gift. So you do have some extras here with the card as well and then a final but important note on those points if you do not make a purchase at Old Navy or one of the other Gap family stores. Within a year you will lose the points that you have accumulated so if you’re someone that only very occasionally shops at Old Navy or one of the other Gap stores.
This card might look good on the surface but then if you’re going to lose out on your points because you’re not going to shop there often enough well then that’s something to consider as well in terms of the application and approval process. The Old Navy credit card and any of the Gap family credit cards are usually going to be fairly easy to be approved for oftentimes. You will get instant approval so you can use the card immediately and take advantage of that 30 off your first order. The way it is going to work in terms of how they decide they are going to start at that MasterCard.
Old Navy Credit History
Level look at your credit history your credit score and decide if you should be approved for the MasterCard card that can be used at the Old Navy and GAP stores as well as outside of those stores. that they decide you don’t qualify for one of the MasterCard versions well then they would consider you for the store-only version. Which is only going to be usable at the Gap Old Navy Banana Republic and Athleta and that’s not the world’s worst thing in the world.
Because as far as if you’re over a 650 probably a good chance that you’re going to get approved for one of the MasterCard versions of the Old Navy card. If you’re between 625 and 649 you’re probably still going to get approved but I would think you’re only going to get the store-only card. If you are below 625 your chances are going to be a little worse and obviously, they’re going to go down with each point below that 625 Mark. But for a lot of people, 625 is something that can be accomplished and you will at least be approved in many cases and then one final note when it comes to the terms and conditions.
Old Navy Credit Card Interest Rate
On this card, it has a terrible interest rate which is true of many retail store credit cards as I write this article is your interest rate as long as you pay the card off. Every time when you have a balance you won’t have to pay any interest but if you start carrying a balance from month to month you’re going to be paying interest at that percent rate. or whatever High rate it is at when you are actually approved for the card so that’s definitely something that you need to be aware of.
But again you can avoid it as long as you pay your bill in full. When it comes all right so bottom line on this card if you’re someone who shops at Old Navy and or the other gap family brands on a regular basis definitely makes sense to have this card.