If you want to enjoy a shopping spree without breaking your budget, you should consider getting Old Navy Credit Card or Old Navy Visa Card to receive rewards for items purchased – and then redeem them at any Gap Inc. Brand shop.<\/p>\n\n\n\n
Synchrony Bank’s Old Navy Visa Card offers fans of Old Navy and other Gap brands some compelling rewards for future purchases.<\/p>\n\n\n\n
With affordable prices and more than 1,000 stores across the US, Old Navy is a popular shopping destination. The company also has branded credit cards that offer generous rewards: the Old Navy Card and the Old Navy Visa Card. Both credit cards<\/a><\/strong> are managed by Synchrony Bank.<\/p>\n\n\n\n We will enlighten you on everything you were not told about old navy credit card and how to maximize it.<\/p>\n\n\n\n The Old Navy Credit Card issued by Synchrony Bank is a business credit card used to collect points that can be used across the Gap family of brands (Old Navy, Gap, Banana Republic, Athleta, Hill City, Gap Factory, and Banana Republic Factory).<\/p>\n\n\n\n The card comes in two flavors: an in-store credit card that can only be used in Gap Inc. branches and a Visa card that can be used anywhere Visa is accepted.<\/p>\n\n\n\n The card offers a rewards program where cardmembers earn 5 points per dollar spent on Gap Inc. brands that can be redeemed for in-store credit.<\/p>\n\n\n\n After earning 5,000 points, the card will be upgraded to the Navy credit card, which offers free shipping on eligible Old Navy brands, a points bonus, and free major changes to the Banana Republic.<\/p>\n\n\n\n The Old Navy Visa credit card works wherever Visa payments are accepted. Cardholders of both cards earn points for purchases and can redeem these points for rewards that work like cash on future purchases. The cards have no annual fee and give cardholders early access to sales and exclusive offers.<\/p>\n\n\n\n The Old Navy Visa Card is best for those who shop frequently at Old Navy and other Gap brands (Gap, Banana Republic, Athleta, Hill City, and Gap brand outlet and factory stores).<\/p>\n\n\n\n Of course, you can use the card anywhere Visa is accepted, but the real reward options can be found in the appropriate stores.<\/p>\n\n\n\n The easiest way to imagine this: For every $100 you spend online or in-store, you will make $5 on a future purchase.<\/p>\n\n\n\n The Old Navy Card and Old Navy Visa Card could offer valuable rewards to someone who purchases most of their clothing from Old Navy and other Gap Inc. brands.<\/p>\n\n\n\n Spending $1,000 in these stores will allow the cardholder to attain Navyist status, which will increase their points balance on a quarterly basis and add extra perks to an otherwise rather limited rewards collection program.<\/p>\n\n\n\n If you don’t cross that threshold, the card is probably not a good choice for you. You’re probably better off using a more versatile reward credit card that will allow you to make more money with a wider range of purchases.<\/p>\n\n\n\n The card does not offer a traditional bonus for new cardholders in terms of extra points or cash back. When you receive the card you save 20% on your first purchase.<\/p>\n\n\n\n If you are applying on the Old Navy website, you must use your discount at OldNavy.com by a specific date listed on the Old Navy credit card website.<\/p>\n\n\n\n Applying to an Old Navy store requires you to use the discount in the store on the same day and you cannot take advantage of the discount online.<\/p>\n\n\n\n The Old Navy Credit Card provides in-store rewards for purchases of goods. Rewards can be redeemed at any Gap Inc. brand. Gap Inc. brands include Old Navy, Gap, Banana Republic, Athleta, Hill City, Gap Factory, and the Banana Republic Factory<\/p>\n\n\n\n This card earns you 5 points for every dollar spent on purchases from the Gap Inc. family of brands including Old Navy, Gap, Banana Republic, Athleta, Hill City, Gap Factory, and Banana Republic Factory.<\/p>\n\n\n\n In addition, the Visa version of this card<\/a><\/strong> receives one point for every dollar spent at all other merchants.<\/p>\n\n\n\n Once you have accumulated 5,000 points, your account will be updated to the Navy credit card and you will receive a 20% bonus on your quarterly accumulated points.<\/p>\n\n\n\n Rewards will automatically be given out with every settlement in which you have earned 500 or more points. Rewards are issued in increments of $ 5 with a maximum reward certificate value of $50.<\/p>\n\n\n\n For example, if you earn 6,000 points in one statement cycle, you will receive a reward certificate for $50 and one for $10.<\/p>\n\n\n\n You can redeem up to three rewards for a single item purchased in-store or in the mail and up to five rewards for an order placed online or over the phone.<\/p>\n\n\n\n Each award certificate is issued with its own expiration date. No more than $250 in rewards is issued in any one billing cycle. Any points that are not awarded as rewards will be carried over to the next billing cycle.<\/p>\n\n\n\n Because the Old Navy credit card earns 5 points per dollar for purchases made at Old Navy and The Gap Inc. family of brands, most of the reward potential comes from spending in these stores.<\/p>\n\n\n\n In the first year, the reward potential for this card is:<\/p>\n\n\n\n If you spend that much on the card at Gap Inc. stores, you will be upgraded to the Navyist credit card so the rewards earned in your second year of card membership will be $65.<\/p>\n\n\n\n Note that you must earn the 5,000 Navyist rewards within a calendar year, which means that you would effectively have to be spending over $1,000 per year at Gap Brands.<\/p>\n\n\n\n In addition to earning points for purchases within the Gap Inc. family of brands, the card offers several benefits to frequent Old Navy buyers.<\/p>\n\n\n\n Once you have upgraded to the Navyist Credit Card<\/a><\/strong> after earning 5,000 points in a calendar year, you will receive the following benefits:<\/p>\n\n\n\n Old Navy offers cardholders the option of making an online payment through the store’s online portal or the Old Navy credit card app. You can also use your Old Navy Card or Old Navy Visa Credit Card to make payment by mail or phone.<\/p>\n\n\n\n Before making your first online payment,\u00a0register for online access<\/a>. You\u2019ll need to give your account number and ZIP code to start the process. After registering your account, here\u2019s how to make a payment:<\/p>\n\n\n\n You can also pay your bill as a guest if you don’t have your login details. Here’s how:<\/p>\n\n\n\n To make a credit card payment from Old Navy through the mail, you will need a check or money order. Send the payment together with your account number to the following address:<\/p>\n\n\n\n Synchronous bank Synchronous bank Synchrony Bank also accepts credit card payments from Old Navy over the phone. Call 866-450-5295 and use the automated system to complete the payment or transfer to a live representative. You can pay your Old Navy credit card account on the store’s mobile app. Download the old navy app from\u00a0Google Play<\/a>\u00a0or the\u00a0App Store<\/a>. Go to the Wallet section to pay your bill.<\/p>\n\n\n\n No, you cannot make in-store credit card payments from Old Navy. The stores also don’t offer envelopes and other credit card payment support.<\/p>\n\n\n\n Synchrony Bank offers two Old Navy credit card products: a regular business card and an Old Navy Visa card. You can apply for one of the cards and have it approved if you meet these requirements:<\/p>\n\n\n\n There are two ways to apply for an award credit card from Old Navy:<\/p>\n\n\n\n You can apply for an Old Navy credit card online in minutes. Once approved, you will receive a discount code for your first purchase that can be used on online or in-store items. To complete an Old Navy credit card application from your PC or mobile device, follow these steps:<\/p>\n\n\n\n Some loan applicants receive an automatic decision after submitting them, while others don’t. You can expect to receive a final decision on your application within seven to 10 days by post or within three to four days by email.<\/p>\n\n\n\n Apply in person for an Old Navy card from a cashier at your local Old Navy store. To do this, follow the steps below. Once approved, you will receive a discount on your first purchase in the store.<\/p>\n\n\n\n For most people, the Old Navy credit card offers limited rewards that can only be used as a merchandise discount within the Gap Inc. family of brands.<\/p>\n\n\n\n If you’re spending hundreds of dollars on clothing every month, the rewards program might make sense, but most people get a $5 discount that they either throw away or use on a purchase they wouldn’t otherwise make.<\/p>\n\n\n\n Most consumers would be better served by a card that had solid cash back on general purchases or bonus cashback in everyday categories.<\/p>\n\n\n\n If you are considering the Old Navy Credit Card, consider the value of increased rewards on your everyday spending.<\/p>\n\n\n\nAbout Old Navy Credit Card<\/strong><\/span><\/h2>\n\n\n\n
Who is the Old Navy Credit Card best for?<\/strong><\/span><\/h2>\n\n\n\n
Pros of Old Navy Credit Card<\/strong><\/span><\/h2>\n\n\n\n
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<\/li>Cons of Old Navy Credit Card<\/strong><\/span><\/h2>\n\n\n\n
<\/li>Old Navy Credit Card Rewards<\/strong><\/span><\/h2>\n\n\n\n
Earn Rewards<\/strong><\/span><\/h3>\n\n\n\n
Redeem Rewards<\/strong><\/span><\/h3>\n\n\n\n
Reward potential<\/strong><\/span><\/h3>\n\n\n\n
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<\/li>How Can I Pay My Old Navy Credit Card?<\/strong><\/span><\/h2>\n\n\n\n
Make an Old Navy Credit Card Payment Online<\/strong><\/span><\/h3>\n\n\n\n
Make a payment without logging into your Old Navy credit card account<\/strong><\/span><\/h3>\n\n\n\n
Make an Old Navy credit card payment in the mail<\/strong><\/span><\/h3>\n\n\n\n
For Old Navy business cards, please email:<\/strong><\/span><\/h4>\n\n\n\n
P.O. Box 960061
Orlando, FL 32896-0061<\/p>\n\n\n\nFor Old Navy Visa cards, please email:<\/strong><\/span><\/h4>\n\n\n\n
P.O. Box 960013
Orlando, FL 32896-0013<\/p>\n\n\n\nMake an Old Navy credit card payment over the phone<\/strong><\/span><\/h3>\n\n\n\n
A fee may apply when completing payment using live assistance or requesting expedited payment over the phone.<\/p>\n\n\n\nMake an Old Navy credit card payment in the app<\/strong><\/span><\/h3>\n\n\n\n
Can You Make an Old Navy Credit Card Payment in the Store?<\/strong><\/span><\/h2>\n\n\n\n
How to apply for an Old Navy Card<\/strong><\/span><\/h2>\n\n\n\n
Apply for an Old Navy credit card online<\/strong><\/span><\/h2>\n\n\n\n
Apply for an Old Navy Card in person<\/strong><\/span><\/h2>\n\n\n\n
Conclusion<\/strong><\/span><\/h3>\n\n\n\n
References<\/strong><\/span><\/h3>\n\n\n\n
Writer\u2019s Recommendations<\/strong><\/span><\/h3>\n\n\n\n