What Is the Old Navy Credit Card?
The Old Navy Credit Card, officially called the Navyist Rewards Credit Card, is a store card issued by Synchrony Bank. It lets you earn points on purchases at Old Navy, Gap, Banana Republic, Athleta, and other Gap Inc. brands.
There are actually two versions of this card: the standard store card (usable only at Gap Inc. brands) and the Navyist Rewards Mastercard (usable anywhere Mastercard is accepted). Which one you're approved for depends on your credit profile.
Benefits of the Old Navy / Navyist Rewards Card
- Rewards: Earn 5 points per $1 spent at Gap Inc. brands (Old Navy, Gap, Banana Republic, Athleta)
- Mastercard version: Earns 1 point per $1 everywhere else
- Sign-up offer: Often includes a discount on your first purchase (typically 20% off)
- Super Cash: Access to periodic brand-wide savings events
- No annual fee
Points convert to reward certificates when you accumulate enough (usually 500 points = $5 certificate).
What Credit Score Do You Need?
The Old Navy Credit Card is generally available to people with fair credit. Most approved applicants have scores in the 620–660+ range, though Synchrony Bank evaluates the full picture — not just your score. Your income, debt load, and payment history all factor in.
If your score is below 600, approval is less likely, but not impossible depending on other factors.
How to Apply for the Old Navy Credit Card
Online: Go to OldNavy.com, scroll to the footer, and look for "Credit Card" or navigate to gap.com/navyistcard. The application asks for your personal details, SSN, income, and housing status. You'll typically get an instant decision.
In-store: Ask any associate at checkout if you'd like to apply. They'll direct you to the application process on a device or at the register. You may receive an instant approval and be able to use the card the same day.
Applying triggers a hard inquiry, which may cause a temporary dip in your credit score.
APR and Fees
Like most store cards, the Old Navy card carries a high APR — typically around 31–32%. Never carry a balance on this card. The interest charges will far outweigh any rewards you earn.
There's no annual fee, which makes the card more practical as a credit-building tool if you shop at Gap Inc. brands regularly.
Is It Good for Credit Building?
Yes, in a limited way. Synchrony Bank reports to all three major credit bureaus, so on-time payments contribute positively to your credit history. The card also diversifies your credit mix.
However, the store-only limitation of the base card means you won't be able to use it for everyday spending. For consistent credit building, a general-purpose secured card is a better primary tool.
The Bottom Line
If you shop frequently at Old Navy, Gap, or Banana Republic, the Navyist Rewards card can be a practical way to earn rewards and build credit simultaneously. Just keep spending intentional, pay the balance in full monthly, and avoid the high APR trap.
Pair it with a broader credit builder strategy for the best results.
