Old Navy Credit Card
A retail card (issued by Synchrony) in the Gap Inc. family, earning Gap Good Rewards points across Old Navy, Gap, Banana Republic and Athleta with frequent cardholder offers.
Why it ranks
- No annual fee
- Strong rewards across Gap brands
- Easy approval odds
What holds it back
- Rewards only useful at Gap brands
- Low rate outside those brands
- High store APR
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
A retail card (issued by Synchrony) in the Gap Inc. family, earning Gap Good Rewards points across Old Navy, Gap, Banana Republic and Athleta with frequent cardholder offers.
Old Navy Credit Card at a glance
| Issuer | Synchrony |
| Card network | Visa |
| Annual fee | No annual fee |
| Welcome bonus | Discount on your first purchase as a new cardholder |
| Rewards rate | 5 points per $1 at Old Navy, Gap, Banana Republic and Athleta; the Visa version earns 1 point per $1 elsewhere |
| Intro APR | None |
| Regular APR | See terms |
| Foreign transaction fee | None |
| Credit needed | Fair to Good (640+) |
| Best for | Frequent Old Navy and Gap-family shoppers |
| Airport lounge access | No |
Rewards & benefits
- 5x across all Gap Inc. brands
- Cardholder-only offers and bonus point events
- Points redeem as rewards for savings
Eligibility & who it suits
- Fair-to-good credit score
- Gap Good Rewards account
- Sufficient income to support the line
How to apply
Check current rates on Synchrony’s official site →
This opens the issuer’s official application page in a new tab. We may earn a commission if you are approved — it never changes the terms you receive.
Rates, fees, welcome offers and benefits are provided for general information, can change at any time, and may not reflect current terms. Always confirm the latest details on the issuer’s official site before applying. This is not financial advice.
How it ranks against similar USA cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | SSynchronyOld NavyNo annual fee · US Old Navy Credit CardFrequent Old Navy and Gap-family shoppers |
None | 5 points per $1 at Old Navy, Gap, Banana Republic and Athleta; the Visa version… | Discount on your first purchase as a new cardholder | None | Fair to Good (640+) | |
| 2 | A/Amazon / ChasePrime Visa AmazonNo annual fee · US Prime Visa (Amazon)Amazon Prime members and frequent online shoppers |
None | 5% at Amazon, Whole Foods, Amazon Fresh & Chase Travel (with Prime), 2% gas/dini… | Amazon gift card on approval | None | Good (690+) | |
| 3 | TTargetRedCardNo annual fee · US Target RedCard Credit CardRegular Target shoppers |
None | 5% off at Target & Target.com, plus free 2-day shipping and extended returns | Discount for new cardholders | N/A | Fair to Good (640+) | |
| 4 | SSynchronySam's Club MastercardNo annual fee · US Sam's Club MastercardSam's Club members who buy a lot of gas |
None | 5% back on gas (on the first $6,000/yr, then 1%), 3% on dining and takeout, 3% o… | Statement credit after a qualifying purchase soon after open… | None | Good (690+) |
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