When it comes to stylish yet affordable clothing, Old Navy has carved a niche for itself as a popular shopping destination. With its trendy selections and frequent promotions, savvy consumers often look for ways to maximize their savings, including exploring credit card options. This comprehensive review dives into the Old Navy credit card, detailing its features, benefits, and helping you determine if it’s the right fit for your shopping habits.
Key Takeaways
- Types of Cards: Old Navy offers the Nav Charge Card and the Old Navy Visa Card, both issued by Barclays.
- Rewards System: Earn points for every purchase, redeemable for discounts on future buys.
- Exclusive Promotions: Access to cardholder-only sales and special events.
- Convenience Features: Learn how to use employee discounts online at Old Navy and whether the store accepts Apple Pay.
- Returns and Discounts: Understand Old Navy’s return policy and student discount options.
The Difference Between Old Navy’s Navyist Credit Cards
Old Navy provides two main credit card options through Barclays: the Nav Charge Card and the Old Navy Visa Card. Each card serves different needs and preferences, allowing customers to choose what works best for their shopping style.
Nav Charge Card
- Usage: This card is strictly for purchases at Old Navy and affiliated brands like Gap, Banana Republic, and Athleta.
- Rewards: Earn 5 points per dollar spent, which can be redeemed for discounts on future purchases. For example, 1,000 points equal a $10 reward.
- Promotions: Cardholders can access exclusive sales and promotions, making shopping even more rewarding.
Old Navy Visa Card
- Usage: This versatile card can be used anywhere Visa is accepted, making it ideal for everyday spending.
- Rewards: Similar to the Nav Charge Card, but you earn 1 point for every dollar spent outside Old Navy. This means you can accumulate points even when shopping elsewhere.
- Flexibility: Perfect for those who want rewards on a broader range of purchases, making it a good fit for regular credit card use.
| Feature | Nav Charge Card | Old Navy Visa Card |
| Where to Use | Old Navy and affiliated stores | Anywhere Visa is accepted |
| Reward Points | 5 points per dollar spent | 5 points at Old Navy, 1 point elsewhere |
| Exclusive Promotions | Cardholder-only deals | Same as Nav Charge Card |
How to Pick the Best Credit Card for You: 4 Easy Steps
Choosing the right credit card can seem daunting, especially with the myriad of options available. Here’s a step-by-step guide to help you make an informed decision:
- Assess Your Spending Habits: Analyze where you spend the most. If you frequently shop at Old Navy, the Nav Charge Card may be advantageous due to its reward structure.
- Compare Rewards Programs: Look at the types of rewards offered and how they align with your shopping habits. The ability to earn points both in-store and online can add significant value.
- Consider Interest Rates: Check the APR (Annual Percentage Rate); a lower rate can save you money if you tend to carry a balance. Make sure to understand the terms and conditions associated with interest rates.
- Evaluate Additional Benefits: Look for perks like birthday rewards, access to exclusive sales events, and promotions that can enhance your shopping experience. These can include special discounts for cardholders during holidays or clearance sales.
Best Credit Cards of 2025
While the Old Navy credit card offers unique benefits, it’s wise to consider other options on the market. Here are some top credit cards for 2024, along with their key features:
- Chase Sapphire Preferred: Great for travel rewards, offering 2x points on dining and travel and a substantial sign-up bonus.
- Discover it® Cash Back: Ideal for cashback enthusiasts, this card offers rotating categories that earn 5% cashback, plus a first-year cashback match.
- Capital One Quicksilver: This card is perfect for everyday purchases, providing unlimited 1.5% cashback on all transactions with no annual fee.
- American Express Gold Card: Excellent for dining rewards, offering 4x points at restaurants and a generous sign-up bonus.
- Citi Double Cash Card: Earn 2% cashback on every purchase (1% when you buy and 1% when you pay your bill), making it a great choice for straightforward rewards.
- Bank of America® Customized Cash Rewards: Allows you to choose your 3% cashback category, offering flexibility based on your spending patterns.
Why Nearly Every Purchase Should Be on a Credit Card
Using a credit card for everyday purchases has numerous advantages that can significantly enhance your financial well-being:
- Build Credit History: Responsible usage helps improve your credit score, which can lead to better loan rates and terms in the future.
- Rewards and Cashback: Many credit cards offer rewards programs, allowing you to earn points or cashback on your purchases. This can translate into substantial savings over time.
- Purchase Protection: Credit cards typically offer better fraud protection than debit cards, making them a safer option for online and in-store purchases.
- Emergency Backup: Having a credit card can provide financial security during unexpected expenses. It can act as a cushion when you face sudden costs, such as medical emergencies or urgent repairs.
- Extended Warranties and Insurance: Some credit cards provide extended warranties on purchases, rental car insurance, and travel insurance, adding an extra layer of protection for your investments.
How to Use Employee Discount Online Old Navy
If you’re an Old Navy employee, you can take advantage of your employee discount online, enhancing your shopping experience even further. Here’s how to do it effectively:
- Access the Employee Portal: Log in with your employee credentials to access exclusive offers.
- Generate a Discount Code: Navigate to the section dedicated to employee discounts, where you can find the discount code for online shopping.
- Shop Online: Browse Old Navy’s website for items you want, ensuring you take advantage of sales and promotions.
- Apply the Discount Code: Enter the generated code at checkout to receive your discount, maximizing your savings.
- Stay Updated: Regularly check the employee portal for new offers or changes to the discount policy, as these can enhance your savings even more.
Does Old Navy Price Match Online Prices?
Old Navy does not typically offer price matching for online prices. However, they often have their own sales and promotions, so it’s worth keeping an eye on the website or signing up for newsletters to stay informed about discounts. If you find a lower price at another retailer, consider waiting for Old Navy’s upcoming sales or promotions to potentially snag a better deal.
Does Old Navy Take Apple Pay?
Yes, Old Navy accepts Apple Pay both in-store and online, making shopping more convenient for customers who prefer digital wallets. This modern payment method allows you to make quick and secure purchases without the need to carry cash or physical cards.
Old Navy Student Discount
Old Navy offers student discounts through various verification services, such as UNiDAYS. The student discount typically ranges from 10% to 20%, making it easier for students to afford stylish clothing while managing tight budgets. To access this discount:
- Sign Up for UNiDAYS: Create an account to verify your student status.
- Generate a Discount Code: Once verified, you can receive a unique discount code for online purchases.
- Shop at Old Navy: Use the discount code at checkout to save on your favorite items.
- Stay Informed: Check for additional promotions or seasonal offers that may be available to students.
Old Navy Return Past 30 Days
Old Navy has a standard return policy that allows returns within 30 days of purchase, but what if you miss that window? While the official policy is strict, it’s advisable to contact customer service for assistance. Depending on the situation, they may provide options for returns past the 30-day period, particularly if the item is unworn and has the original tags attached.
Return Process
- Prepare Your Receipt: Have your purchase receipt ready, as this will facilitate the return process.
- Contact Customer Service: If you’re past the 30-day return window, call Old Navy’s customer service for guidance.
- Inquire About Options: Explain your situation and ask if exceptions can be made.
- Return Options: Depending on their policy and your circumstances, they may allow store credit or an exchange.
How to Cancel an Old Navy Credit Card
If you’ve decided that the Old Navy credit card isn’t right for you, canceling it is a straightforward process. Here’s how to go about it:
- Pay Off Your Balance: Before canceling, make sure your account is paid in full. Any outstanding balance must be settled first.
- Contact Customer Service: Call the number on the back of your card to speak with a representative.
- Request Cancellation: Follow the representative’s instructions to finalize the cancellation. They may ask for your personal information to verify your identity.
- Confirm Cancellation: After completing the process, request confirmation of your account cancellation for your records.
How to Close Old Navy Account
To close your Old Navy account entirely, follow these steps:
- Clear Any Remaining Balance: Ensure all transactions are settled, and your account balance is zero.
- Call Customer Service: Reach out to Old Navy’s customer service to initiate the closure.
- Verify Your Identity: Be prepared to confirm your identity for security purposes.
- Request Account Closure: Clearly state that you wish to close your account.
- Receive Confirmation: After completing the process, ask for written confirmation that your account has been closed.
FAQ
What is the APR for the Old Navy Credit Card?
The APR for the Old Navy credit card typically ranges from 17.99% to 25.99%, depending on your creditworthiness. Be sure to review the terms before applying.
How can I check my Old Navy credit card balance?
You can check your balance through the Old Navy website or mobile app, or by calling customer service for assistance.
Are there any annual fees for the Old Navy credit card?
No, the Old Navy credit card does not charge an annual fee, making it an attractive option for budget-conscious shoppers.
How do I redeem points earned from my Old Navy credit card?
Points can be redeemed during checkout, either online or in-store. Typically, 1,000 points equal a $10 reward that can be applied to your purchase.
Can I use my Old Navy credit card at other retailers?
The Nav Charge Card is limited to Old Navy and its affiliated stores, while the Old Navy Visa Card can be used anywhere Visa is accepted, providing more flexibility.
What happens if I return an item past 30 days?
Old Navy’s return policy is generally strict. However, contacting customer service may yield options for returns past the standard 30-day window.
How do I find out if Old Navy accepts Apple Pay?
You can verify that Old Navy accepts Apple Pay on their website or by asking in-store associates when you shop.
How do I close my Old Navy account?
To close your account, contact customer service and follow their verification process, as outlined previously.
Conclusion
In conclusion, the Old Navy credit card can be a valuable tool for frequent shoppers looking to maximize their savings. With the potential to earn points on purchases and access exclusive promotions, it’s worth considering if you regularly shop at Old Navy or its affiliated brands. Additionally, understanding the various benefits, payment options, and return policies can enhance your shopping experience.
By following the tips outlined in this review, you can make informed decisions about how to utilize your Old Navy credit card effectively. Whether you’re leveraging employee discounts, navigating the return process, or using digital payment options like Apple Pay, Old Navy offers a range of conveniences designed to enhance your shopping experience.
So, are you ready to make the most of your shopping experience at Old Navy? Consider applying for the Old Navy credit card to unlock exclusive discounts and rewards tailored just for you. With benefits like points on purchases and special promotions, it’s a savvy choice for fashion lovers looking to save.
Explore Old Navy’s offerings today and start saving on the stylish apparel you love!