You need a credit score of 700+ to get the Old Navy Credit Card. This means at least good credit is required for approval. On the other hand, you’ll need a score of 640+ (fair credit) to have a decent chance of being approved for the Old Navy Store Card.
Your credit score is used to gauge your credit standing and is a key indicator to the type of card for which you’ll be approved for. However, a credit score alone does not guarantee approval for the Old Navy Credit Card.
Things to Know About an Old Navy Credit Card Application
When you apply, your overall credit profile will ultimately determine which Old Navy card you’ll get. Unfortunately, you don’t get to decide which Old Navy card to apply for. The higher your credit score, the more likely you’ll automatically land the higher-tier Old Navy Credit Card, rather than the traditional Old Navy Store Card. While the credit score is an important factor in evaluating your application, the issuer will also consider your income, debt-to-credit ratio, payment history, and other criteria.
The Old Navy cards are similar in structure and terms. The only key difference between the two cards is that the Old Navy Credit Card can be used anywhere Mastercard cards are accepted. You’ll also earn 1 point / $1 spent outside of Old Navy and its affiliated stores. The Old Navy Store Card can only be used to shop in-store or online at Old Navy and its affiliated stores. There is a $0 annual fee for either card.
This answer was first published on 04/19/21 and it was last updated on 01/09/24. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
