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⚖ Add to comparisonSynchrony · Visa
Old Navy Credit Card
A Synchrony store card for the Gap Inc. family, 5 points per $1 across Old Navy, Gap, Banana Republic and Athleta, with the Visa version adding 1x elsewhere. It's worth carrying only if Old Navy is a habit, not an occasional stop, because the store-only version earns nothing outside the brands and a 2% cash card beats it everywhere else. Spend $1,200/yr at Old Navy and you'll bank roughly 6,000 points plus a first-purchase discount; the same money on a flat card is about $24 cash. No annual fee, but the regular APR is store-card high, so confirm whether you got the closed-loop or full Visa on Synchrony's site and never carry a balance.
⟳ Rates & fees verified June 2026 — always confirm the current terms on the issuer's official site before applying.
What you earn
- ✓Earn 5x across every Gap Inc. label
- ✓Offers reserved for cardholders along with bonus point promotions
- ✓Points convert into rewards toward future savings
👍 Pros
- + Carries no annual fee
- + Generous rewards across the Gap brand family
- + Approval tends to come easily
👎 Cons
- – Rewards are only useful at Gap brands
- – A low rate applies outside those brands
- – The store version carries a high APR
Can you get it?
- ▸A credit profile in the fair-to-good range
- ▸Enrollment in a Gap Good Rewards account
- ▸Income adequate to back the credit line
Requirements are general guidance — the issuer makes the final decision. Learn more about card requirements →
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