What Bank Issues the Old Navy Credit Card? (2024)

FAQs

What Bank Issues the Old Navy Credit Card? ›

The Old Navy Credit Card and the Old Navy Store Card are both issued by Barclays Bank US. The Old Navy Credit Card requires good credit or better, while you can qualify for the Old Navy Store Card with just fair credit.

The Gap Inc. Mastercard is issued by Barclays Bank Delaware (Barclays) pursuant to a license from Mastercard International Incorporated.

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 any other credit card application, you'll be subject to a credit check when you apply for the Old Navy card, which includes a hard inquiry on your credit report.

The Synchrony Premier World Mastercard®, which offers 2% cash back on every purchase to individuals with excellent credit (FICO scores of 720 or higher). The Synchrony Plus World Mastercard, which is designed for those with at least good credit (scores of 690 or higher) and earns 1% cash back on every purchase.

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. This answer was first published on 06/11/20.

No, you cannot use your Old Navy Store Card everywhere. This card is a store card, which means that it is not backed by any major credit card network and only works at affiliated locations.

The Old Navy Credit Card credit limit is $1,000 or more; everyone who gets approved for this card is guaranteed this limit. This is also the minimum starting credit limit for the Old Navy Store Card. For the most part, Old Navy Credit Card credit limits depend on each applicant's overall credit standing.

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.

The issuer does not offer a pre-approval tool through their website, so anyone interested in applying for Old Navy Credit Card will have to do so without the benefit of checking for pre-approval beforehand.

Can I use my Old Navy Credit Card at Walmart? ›

The Old Navy Visa® Card can be used anywhere Visa is accepted. But the Old Navy Card is a closed-loop credit card. That means it can be used only at Old Navy and other stores owned by Gap Inc., including Gap, Banana Republic and Athleta.

Old Navy Credit Card Approval Time

If you haven't received an instant decision or if you applied over the phone, it might take the issuer 7-10 business days to review your application.

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.

While credit scores are very important, Synchrony Bank credit card approval depends on several other factors as well. For example, applicants need to have enough income to make payments on the card. Synchrony Bank will also look at existing debts when considering your application.

As an online-only bank, Synchrony can't compete with legacy banks that have thousands of physical locations, and it doesn't offer a checking account. But those seeking high-yield savings and CD accounts will find that Synchrony's options are generally more competitive with some of the best bank offerings on the market.

For instance, Synchrony Bank uses the VantageScore 4.0 scoring model when evaluating credit card applications.

Gap Inc. Credit Cards are issued by Synchrony Bank. You can activate your card with Synchrony Bank online, or by calling: Old Navy Credit Card: 866-450-8389; Navyist Credit Card: 866-450-8393.

Visit navyfederal.org for a detailed description. ** The Navy Federal More Rewards American Express® Card is issued and administered by Navy Federal Credit Union. American Express is a federally registered service mark of American Express and is used by the issuer pursuant to a license.

Gap Good Rewards Mastercard® Barclays US.

A: Yes, you can still use your Gap Good Rewards Credit Card, Athleta Rewards Credit Card, Navyist Rewards Credit Card, and Banana Republic Rewards Credit Card at Gap, Banana Republic, Old Navy, Athleta, Gap Factory and Banana Republic Factory.