Old Navy Credit Card Reviews 2024 | Intuit Credit Karma (2024)

FAQs

What credit score is needed for an old navy card? ›

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.

Like many retail credit cards, Old Navy's cards have high interest rates. The variable APR for purchases on both the Old Navy store card and the Visa card option is 25.99%. With such a high APR, your credit card balance could become unwieldy and you could end up repaying far more than you originally charged.

If you have average credit — generally defined as FICO scores between 630 and 689 — and are eligible to apply for it, the Navy Federal Credit Union® cashRewards Credit Card is a great deal: It offers a solid rewards rate of up to 1.75% cash back on all purchases, if you qualify, for an annual fee of $0.

Yes, the Old Navy Credit Card does a hard inquiry on your credit report when you apply. A hard inquiry usually results in a slight decrease in an applicant's credit score, but the effect only lasts for a short period of time.

The Old Navy Credit Card may give high credit limits to people with good-to-excellent credit, a lot of income, and relatively little debt. The minimum credit limit is $200, and some cardholders report having limits as high as $2,500.

The Navy Federal credit card approval requirements include a credit score of at least 700 (good credit), in most cases. You might be able to get other Navy Federal Credit Union credit cards with bad credit. You also have to be an NFCU member to apply for one of their credit cards.

The Old Navy Store Card, on the other hand, can only be used at Old Navy, Athleta, Banana Republic, and Gap. That's because it is a store card and it can only be used at the merchants the card is affiliated with. This answer was first published on 12/20/16 and it was last updated on 01/09/24.

Owning more than two or three credit cards can become unmanageable for many people. However, your credit needs and financial situation are unique, so there's no hard and fast rule about how many credit cards are too many. The important thing is to make sure that you use your credit cards responsibly.

When applying for the Old Navy Credit Card, the issuer will most likely use TransUnion in order to assess your creditworthiness. The activity on your Old Navy credit card will be reported to the three major credit bureaus, TransUnion, Experian and Equifax on a monthly basis.

Navy Federal says its loans are available to borrowers across the credit spectrum, including borrowers with bad credit or thin credit histories, and there's no minimum credit score requirement. You must be a member of Navy Federal to apply. Here's what you need for your application: Desired loan amount and term.

Which Navy Federal card is the easiest to get approved for? ›

The easiest Navy Federal credit card to get is the Navy Federal Credit Union nRewards® Secured Credit Card because you can get approved with Bad credit. The Navy Federal nRewards Secured Card requires a refundable deposit (minimum of $200), and the deposit becomes your credit limit.

Getting pre-approved does not hurt your credit score.

Some of the easiest store credit cards to get are the Fingerhut Credit Account, the Montgomery Ward Credit Account, and the Amazon Secured Credit Card. These cards accept people with “bad” credit, and they all have $0 annual fees.

How long does it take to get approved for the Old Navy Credit Card? Most Navyist Rewards Mastercard applications will receive an instant notification of approval or denial, but it may take up to 14 days to receive your decision.

For each $1 you spend at Old Navy or its other brands using your credit card, you gain five points—five times the amount someone with just an Old Navy rewards card (the company's free version) makes. For every 100 points you accumulate, you receive $1 off your next purchase of any merchandise item.

Unless your credit score is 700 or higher and you have a lot of income, it will be difficult for you to get approved for this card. The Old Navy Store Card, on the other hand, requires a 640+ credit score (fair credit).

The Mastercard version and the store version of the card, both issued by Barclays, are part of the family of branded cards from Gap Inc. In addition to Gap and Old Navy, that umbrella of clothing retailers also includes Banana Republic and Athleta.

The easiest Navy Federal credit card to get is the Navy Federal Credit Union nRewards® Secured Credit Card because you can get approved with Bad credit. The Navy Federal nRewards Secured Card requires a refundable deposit (minimum of $200), and the deposit becomes your credit limit.