Old Navy Credit Card Review

There are not a lot of options that could be as popular as the Old Navy Credit Card regarding retail credit cards. This card can provide beneficial rewards and advantages to a loyal shopper of Old Navy, or a person who regularly buys brands in the Gap Inc. family, such as Gap, Banana Republic, and Athleta.

Just like in any credit card, the worth of your card is bound to be determined by your spending. We will go through step-by-step all the information you need to be aware of the benefits and the application process, the management of rewards, and smart financial habits.

You will learn everything about the Old Navy Credit Card by the end of it–whether you should use it in your financial plan or not.

What is Old Navy Credit Card?

Linked cards of a given retail store are of poor image because of the high interest rate charged. However, this card can be quite valuable to the customers who frequent Old Navy and its subsidiaries.

The highlights include:

• 5 points on every 1 dollar spent in the Gap Inc. brands.
• Free shipping and value of refund.
• Efforts and events as a cardholder.
• Special birthday discounts
• Seasonal sales are available in time.

In other words, the most appropriate target audience of the given card would be loyal clients of Old Navy since they would prefer to receive as much as possible on their daily purchases.

Visit the Consumer Financial Protection Bureau (CFPB) that provides state guidance to learn about the implications of using credit cards on your budget.

The benefits of Old Navy Credit Card.

5x Points at Gap Inc. Stores

Each dollar one spends in Old Navy, Gap, Banana Republic, and Athleta will earn the cardholder 5 points in both the outlet stores and online.

This translates into stiff fines on ordinary shoppers. For example:
Get 1000 Vaults at 200 dollars- Buy -redemption can be made 10 dollars.

Old Navy Credit Card Extra Credit.

You can use the Old Navy credit card to shop in-store as well as use it to cover routine expenses. Though when you buy non-Gap Inc. you typically get less (1 point per 1 dollar), it is still accumulating in your rewards.

Free Shipping Benefits

The icons level (the top of the rewards system) of the members includes free 2-3 day delivery.
Free 3-5 day shipping is available to all other cardholders whose orders are over 50 USD.

Birthday and Seasonal Perks

Discounts are normally offered to cardholders during birthdays.
Exclusive cardholders have shopping days, which are the days they can get access to new styles, clearance deals as well as special coupons.

No Annual Fee

One of the biggest benefits: the Old Navy Credit Card has no annual fee and this implies that cardholders using the card prudently will have a low-risk card.

How the Rewards System Works?

Earning Points

• 5 points per $1 at Gap Inc. stores
• 1 point per $1 everywhere else

Redeeming Points

• 100 points = $1 in rewards
• In store: Redeem with your registered phone number or online: Make a log in account.

Expiration

• Points post within 24 hours
• Rewards can be received in 14 days.
• The unused rewards will expire within 12 months.

Combining Across Brands
All the points and rewards earned in Old Navy work at Gap, Banana Republic, and Athleta. In other words you can get money in one shop and redeem in another.

Application in the Old Navy Credit Card.

Step 1: Check Eligibility

Applicants must:

• Be at least 18 years old
• Should be with authentic Social Security number.
• Provide proof of income

In order to meet the laws of the U.S. with credit card eligibilities and disclosures, the official Truth in Lending Act with the help of CFPB explains how lenders must make clear terms.

Step 2: Online Application

This is through the Old Navy at the Barclays Bank. You’ll need:

• Personal data (address, name, SSN).
• Monetary (income, costs of housing) data.

Step 3: Approval and Credit Check.

Barclays performs a hard credit check and can temporarily affect your score. The creditworthiness and earnings are considered.

To determine the impact that credit checks have on your report, visit AnnualCreditReport.gov  the government site that has the legal mandate to provide credit reports at no cost.

Step 4: Activation

Once you have approved the card, activate it:

• In the web at oldnavy.barclaysus.com.
• Or by calling Barclays customer care.

Card Services Old Navy.

Online Account Access

Use the Barclays portal to:

• View statements
• Pay bills
• Redeem rewards
• Monitor transactions

Payment Options

• Online payment of Barclays account.
• Call center payments.
• Bill to you on billing (Mail payments)

Note: Old Navy and Gap do not receive in store payments.

Security Features

The online transactions adopted by Barclays are based on the SSL encryption.
Lost / stolen cards can be reported 24/7.

The Federal Trade Commission (FTC) provides advice on how to prevent credit card fraud, and lock your account to prevent identity theft.

Old Navy Credit Card benefits.

• The earning rate of the brand stores is very high (5x points).
• Preferred shipping and payments on top members.
• Parties and offers.
• No annual fee
• Rewards that are redeemed at multiple stores.

Potential Drawbacks

• High APR (often over 25%)
• Rewards that were limited on the brands of the Gap Inc.
• Unspent points are lost in 12 months.
• Is unable to pay in store.
• The higher the rate of interest in making reactions to rewards the more the value of rewards disappears.

Across the interest rate education case, the CFPB articulates the operation of APR.

Worthy Recommendations to maximize on the rewards.

Pay Off Your Balance Monthly

It is very simple to lose your rewards by having a high APR balance. Pay in cash as much as you can.

Shop Across Brands

You cannot shop only at Old Navy in order to earn more points since you can also use your card at Gap, Banana Republic and Athleta.

Stack Rewards with Sales

By redeeming reward in a sale, savings is doubled.
Watch out in events that are cardholder exclusive and these events typically offer additional discounts.

Monitor Expiration Dates

Don’t leave them unexpired- you can record your arguments in your dashboard.

Responsible Credit Card Use

The possession of a credit card does not only imply that you earn points. In order to maintain a healthy finances:

• Make on time: When your credit is poor, pay on time.
• Use low: Specialists advise you to consume no more than 30 percent of your limit.
• Check statements: You should know fraud charges.
• Get to know vocabulary: Learn about APR, grace periods and charges on late payments.

The CFPB Credit Card Guides avail state materials on credit card conditions and rights.

In the worrying case of identity theft, IdentityTheft.gov provides a step-by-step help by the U.S. government.

Old Navy Credit Card vs. Other Retail Cards

Benefit	Old Navy Card	Amazon Store Card	Target Red Card
Store Rewards	5x pts	5% back	5% discount
Annual Fee	None	None	None
Redeem Rewards	Gap Inc. stores only	Amazon only	Target only
APR	~25%+	~29%+	~25%+
Additional benefits	Free freight, sales	Special financing	Free freight

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Despite all the above benefits of the three retail cards, the Old Navy card best suits those customers who spend a lot of money in store based shopping at Old Navy, Gap, Banana Republic or at Athleta clothing stores.

READ ALSO: Chase Sapphire Preferred Card: The Secret Travel Benefits and Perks You Shouldn’t Know About Banks.

FAQs

Can I make my Old Navy card payment in-store?
No. You need to make your payments online, through mail or in phone.

Do other locations redeem Old Navy rewards?
Yes, at all Gap Inc. brands.

Do rewards expire?
Yes–reinforcers expire in 12 months.

Is there no price that I can pay my bill?
No. Rewards are given on the basis of purchases and not card balances.

Who is the issuer of Old Navy credit card?
The credit card of Old Navy is provided by Barclays bank and is processed there.

Check out USA.gov Credit Cards Guide to obtain general government information on how to choose and compare credit cards.

Final Thoughts

Old Navy credit card is suggested to the customers that frequent shopping at Old Navy, or other brands of the Gap Inc, temporarily. It could provide tremendous values of 5x in points per 1 dollar, free shipping and special privileges.

However, there are risks: high APR and brand-only incentives reveal that the card can be used best by the strict users who are able to cover their credit card balance to the fullest at the end of each month.

Such card may be a nice one to put in your wallet and enjoy receiving as many discounts as possible in clothes that you have to shop in Old Navy, Gap, Banana Republic, or Athleta. But is this worth it, when you do not necessarily shop there on a regular schedule–or are not accustomed to the balance.

If you want to be practical and safe with money, apply a well known source like the CFPB.