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.

Old Navy Credit Card at a glance

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.