Old Navy Credit Card
Best for: Frequent Old Navy and Gap-family shoppers
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
Rates and offers change. Confirm today's terms on the issuer's official site before applying. Independent comparison — not financial advice.
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.
Old Navy Credit Card at a glance
| Issuer | Synchrony |
| Card network | Visa |
| Annual fee | No annual fee |
| Rewards rate | 5 points per $1 at Old Navy, Gap, Banana Republic and Athleta; the Visa version earns 1 point per $1 elsewhere |
| Welcome bonus | Discount on your first purchase as a new cardholder |
| Intro APR | None |
| Regular APR | See terms |
| Foreign transaction fee | None |
| Credit needed | Fair to Good (640+) |
| Airport lounge access | No |
| Best for | Frequent Old Navy and Gap-family shoppers |
Rewards & perks
- 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
Who should apply
- A credit profile in the fair-to-good range
- Enrollment in a Gap Good Rewards account
- Income adequate to back the credit line
Before you apply: card terms change often. Confirm the current annual fee, APR, welcome offer and rewards on the official Synchrony site. CreditCardCompare is an independent comparison resource, not the card issuer, and this is not financial advice.
How it compares with similar USA cards
| Card | Annual fee | Rewards | Intro APR | Foreign fee | Credit needed | Rating |
|---|---|---|---|---|---|---|
SynchronyOld Navy 4753 4117 6150 7958 VALID THRU 08/28CASEY BROOKS Old Navy Credit CardFrequent Old Navy and Gap-family shoppers |
None | 5 points per $1 at Old Navy, Gap, Banana Republic and Athleta; the Vis… | None | None | Fair to Good (640+) | |
Amazon / ChasePrime Visa Amazon 4813 5646 4964 7475 VALID THRU 01/29JORDAN TAYLOR Prime Visa (Amazon)Prime members who spend heavily at Amazon and Whole Foods |
None | 5% at Amazon, Whole Foods, Amazon Fresh & Chase Travel (with Prime), 2… | None | None | Good (690+) | |
TargetRedCard 5485 8136 1849 2288 VALID THRU 10/31ALEX MORGAN Target RedCard Credit CardRegular Target shoppers who want instant checkout savings |
None | 5% off at Target & Target.com, plus free 2-day shipping and extended r… | None | N/A | Fair to Good (640+) | |
SynchronySam's Club Mastercard 5596 3921 3882 2890 VALID THRU 09/32JORDAN TAYLOR Sam's Club MastercardSam's Club Plus members with high monthly fuel spend |
None | 5% back on gas (on the first $6,000/yr, then 1%), 3% on dining and tak… | None | None | Good (690+) |
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