Whether you’re interested in getting a discount at a specific store or in a flexible rewards system, the Old Navy credit card might be a good option for you. While this card carries a high annual percentage rate (APR), it’s easier to qualify for than a standard credit card. If you plan to use it for everyday purchases, you can get a free cardholder discount when you shop at a select number of participating Old Navy stores.
Old Navy credit card is a store discount system
One of the best ways to save money at Old Navy is by using your store credit card. It offers rewards for purchases made at the store, including a discount on your first purchase and five points for every dollar you spend. In addition, you can earn points that expire after a certain period of time. For example, if you spend $25 on an outfit, you will earn $10 in Super Cash. In addition, when you use your card at Old Navy, you can use these points to get free merchandise.
You can apply for the Old Navy Visa(r) Credit Card in-store or online. Once you’re approved, you’ll be shown the rewards program. Once approved, you’ll receive a 20% discount on your first purchase, and you’ll start earning points with select retailers. You can even buy gift cards that give you additional discounts. After you’ve earned 1,000 points, you can redeem them for free merchandise and more.
It offers flexible rewards
The Old Navy credit card offers flexible rewards programs for a low annual fee. But the card’s high interest rate negates many of its benefits. This credit card is not ideal for people with bad credit, but if you’re new to credit cards and want to establish a good credit history, it may be a good option. If you are not sure whether or not this card is right for you, read on for more information.
The Old Navy Card offers rewards that can be stacked. If you buy a certain item on a regular basis, you can accumulate reward points to get more money. Old Navy also runs regular sales, especially as the holidays approach. And once you’ve accumulated five hundred rewards points in a calendar year, you’ll be upgraded to a prestigious Navyist status. These perks include 20 percent quarterly bonus reward points, free 3 to five-day shipping with no minimum purchase, basic alterations on Banana Republic purchases, and a private toll-free priority line.
It has a high APR
The old Navy credit card has a very high APR, so a responsible shopper should consider other options before applying for this credit card. The company does not report account activity to credit bureaus, which may affect your credit score. Regular on-time payments, however, show that you are financially responsible and could potentially improve your credit score. Before you apply, fill out a simple application and provide general financial information. If you are a responsible cardholder, you’ll be able to pay off your balance each month, but you should avoid carrying a balance.
This card can help you get discounts at several Old Navy locations and the Gap Inc. family of brands. Its high APR can get you into trouble quickly, but if you don’t need the points for shopping elsewhere, it may be worth it. Another drawback of the Old Navy card is that you can only use it at the company’s stores, making it less desirable for cardholders who want to maximize their discounts and avoid paying too much interest.
It is easier to qualify for than a regular credit card
The Old Navy credit card is a popular alternative to a regular credit card because of the rewards program. As with other credit cards, the rewards program is based on your shopping habits. For example, if you spend at least $30 at Old Navy or one of its affiliates every month, you can get 3,000 points when you make a purchase. This is significantly easier to do than if you were to make the same purchase elsewhere.
While the Old Navy credit card has a high APR, it is more affordable than other credit cards. If you have good credit, this card is an excellent choice. However, if you are looking for a low-interest credit card with no annual fee, consider a Citi Double Cash Card or a Petal 1 Visa Credit Card, both of which offer cash back on certain purchases.