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Saturday, October 2, 2021 at 2:07 AM

What You Should Know About Old Navy Credit Card

Old Navy, a well-known clothing brand, offers two credit cards via which customers can earn rewards when they shop. Old Navy is a renowned American apparel and accessory company best recognized for its active and casual clothes for men, women, children, and newborns. Old Navy is well-known for its fashionable and reasonably priced clothing range to the entire family. Old Navy also offers its own store-branded retailer credit cards, the old navy credit card, and the Old Navy Visa Card, to approved applicants as a way of rewarding loyal customers (and the Navyist program).

Old Navy Credit Cards
To get started, fill out an application in person or online at any Old Navy shop. Depending on your creditworthiness, approval can be quick or take up to 7-10 days. You'll be eligible for one of two types of Old Navy Credit Cards (provided by Synchrony Bank) once you get approved:
    - Old Navy Credit Card
    - Old Navy Visa Credit Card
Additionally, if you satisfy specific qualifications, you will be eligible for Navyist status cards.

The Old Navy Credit Card
Old Navy Credit Card is a store-branded credit card that may be used not only at Old Navy stores and online. But also across Gap's family of brands, which includes Gap, Banana Republic, Athleta, and others. As a result, the old navy credit card is more adaptable than other store-branded cards.

The Old Navy Visa Card
After the regular Old Navy credit card, the Old Navy Visa credit card is the next level up.   It essentially means that you can use this card anyplace Visa is accepted. Cardholders of the Old Navy Visa enjoy the same perks as those of the standard store-branded card, but they also get:
1 point every dollar spent in any Visa-accepting location
Offers & Promotions Exclusive to Visa Cardholders

How does it work?
It works in the same way as standard credit cards. You use the card to make purchases that you can pay off over time. Credit card interest rates are typically greater than those offered by standard credit cards. If you use your credit card to make a purchase, stores will give you a discount, and they may also provide you incentives such as money off your next purchase.

Purchases in the store get you some nice perks:
Every $1 spent at Old Navy and its sibling stores earns you 5 points, which translates to a 5% discount on future purchases. That's on par with, if not better than, comparable shop credit cards.
Your first Old Navy purchase will receive a 20% discount:
Some retail cards feature a 10% or 15% discount, while others have no voucher. You may optimize the value of this incentive if you time your holiday or back-to-school purchasing correctly.

Extra benefits for high-spending customers:
You can become a Navyist if you gain 5,000 points in a calendar year. Unlocks additional benefits, such as a 20% increase in rewards points per quarter, free modifications on Banana Republic purchases, and free delivery on Old Navy, Gap, Banana Republic, and Athleta online buys.