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The Benefits of Having an Old Navy Credit Card in 2023

Old Navy Credit Card

If you spend a lot of time shopping at Old Navy or some of the other affiliated brands with the Gap Company, you are missing out on significant rewards and benefits by not having an Old Navy Credit Card. If you have been on the fence about joining see below why now is the time to add this card to your collection.

It is an added benefit that you can earn rewards even when you are not shopping at Old Navy, using this card anywhere Mastercard is accepted.


When you open the Navyist Rewards Mastercard with Barclays, you will enjoy various rewards on all your shopping excursions.

  • Earn points both in-store and online
  • 30% off is available on your first purchase with a new account
  • Earn 5 points for every $1 spent at family brands and affiliated retailers
  • Earn 1 point for each $1 spent on purchases made outside the affiliated brands
  • Every 100 points earns you a $1 Reward
  • Fash Shipping is free on orders over $50
  • Protection from Fraud Liability

No matter where you use your Old Navy Credit Card, you will earn points for each purchase. Whether you want to apply your rewards to an Old Navy purchase or another affiliated brand with the company, you can also do that without stipulation. As you earn rewards you can spend them on future purchases or save them to use on a later purchase after they build up.

Also, if you find fraud happening on your cad, you are not responsible and Old Navy will remove that charge from your account. You can easily lock your card and secure it so that it does not continue to get used.


In addition to the massive awards being offered by the Old Navy Credit card, there are some benefits that mean it is worth it to keep and use whenever you need a second payment option.

  • No Annual Fee
  • Charitable offerings available for rewards
  • Offers exclusively for card members
  • Access to upcoming promotions before the public release
  • Bonuses

Probably the biggest benefit and most attractive verbiage on this card is no annual fee. That alone makes it a great option to keep in your wallet. It is also great that instead of spending your rewards on an upcoming purchase, you have the option to donate them to your favorite charity and give back to your community.

As a holder of an Old Navy Credit Card, you have the exclusive benefit of getting offers available only for you to take advantage of and also get access to upcoming sales and promotions first. For example, you will have access to all Black Friday sales before they release to the public as a member.

There are bonuses that come with the card and they are the Family of Brands Bonus and the Quarterly Bonus. You earn the Family of Brands bonus when you shop at 2 family brands equaling 500 bonus points, 3 family brands equaling 1,000 bonus points, and four brands equaling 2000 bonus points. This bonus comes only once a year. The other bonus is quarterly, and you earn various bonus points for shopping at the family brands for that quarter outside of Old Navy.

Interest Rates and Charges Summary

The interest rate for this card is 28.99% on all purchases. This is also the same rate for balance transfers and cash advances.

Fee Summary

Again, there is no annual fee for having an Old Navy Credit Card. If you do decide to complete a balance transfer with this Mastercard, you are subjected to either a 5% fee or a $5 fee, depending on which is more during the transaction.

For late payments, the fee can be up to $41 depending on how late the payment is. There are no fees for going over the limit.

Important Information

If you want to earn the first purchase discount on the card, it must be purchased between the dates of 9/16/22 and 1/26/2023. The code will be provided at the time of opening the account, and you need to use it within 14 days. This must also be the only payment method used on the purchase for it to work. It will not apply to split payment purchases. Also, this must be your first account with Gap cards. If you have another account, you may not be eligible for this reward.

If you want to earn your points for rewards, you need to make sure you are not using the card as a split payment. When this card is used at any time as a split payment, rewards cannot be applied. You also cannot add payments to your account when you use a different method of payment.

In order to obtain the annual Family of Brands bonus, all your orders at the different brands must be placed by 12/31/2022 so that they can review and apply the bonus on January 1. In regard to the quarterly bonus, these quarters start on 1/1, 4/1, 7/1, and 10/1 of each year. If you make a purchase on that day specifically, it will apply to that quarter and not the one previously.

Old Navy Customer Service

If you need to reach old Navy Customer Service regarding your Old Navy Credit Card and any transactions that are currently listed on the account, contact them through the chat icon online or the following ways:

  • Call toll-free at 800 - OLD - NAVY (1-800-653-6289)
  • For international shipping, orders call 614-744-3908
  • Send a message through your account online

Old Navy customer service is open 7 days a week and is available until 1 am ET so that customers in all time zones are able to access them.

FAQs About The Old Navy Credit Card

1. Who are the family brands?

The family brands include Gap, Banana Republic, and Athleta. While you may have some of these stores in your area, all of these family brands are available to shop online and allow you to earn and use rewards with your Old Navy Credit Card.

2. If I Shop Online, Am I Still Eligible for the Family of Brands Bonus?

Yes, no matter if you made purchases at these stores online or in the store, you are still eligible for the bonus. This also includes outlet stores for these brands and Old Navy.

3. How Will I Be Notified For Members Only Offers?

When you create your account with the Old Navy Credit Card, your email address on file will be emailed with the exclusive offers as they happen. Because of this, make sure you use an email address that you use regularly so you do not miss any deals. You can also opt-in to be notified about these offers through text if that is something you are interested in doing.

4. How do I make payments for my Old Navy Credit Card?

You have several options to pay your Old Navy Credit Card by the following methods:

  • You can pay online through your account portal
  • Pay through your mobile app that is linked to your account portal
  • Call (866) 928-8598 and make a payment by phone
  • Mail in your payment to Barclays, PO Box 13337, Philadelphia PA 19101-3337

We understand that customers have a variety of ways they prefer to make their payments. Old Navy wants to offer as many of these options as possible. Keep in mind that if you do take the mail-in route for payment, this could take up to 7 days before it is posted on the account. Online, mobile, and phone payments are processed in up to 3 days.

5. Where will I find my Old Navy Balance to know what I have spent?

If you want to check your balance, you can use the same methods as making a payment. Your account balance is available on your portal. You can also call the same number that you pay and select to check your balance.

6. How do I reach Navyist status?

If you want to be considered an Old Navy Navyist, then you need to earn 5,000 reward points annually. At that time, you unlock an additional reward of getting 20% more in quarterly rewards points because of your purchases. The other benefit is free shipping on all orders from Old Navy, Gap, Athleta, and Banana Republic. This despite no matter what the order amount may be.

Garrett Parker

Written by Garrett Parker

Garrett by trade is a personal finance freelance writer and journalist. With over 10 years experience he's covered businesses, CEOs, and investments. However he does like to take on other topics involving some of his personal interests like automobiles, future technologies, and anything else that could change the world.

Read more posts by Garrett Parker

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