Old Navy Credit Card May 2026

: New cardholders typically receive 30% off their first purchase if made within 14 days of account opening. No Annual Fee : Both versions have a $0 annual fee .

: The card carries a high variable interest rate, typically around 33.24% to 34.99% . Reviewers from WalletHub and NerdWallet strongly advise paying the balance in full every month to avoid interest that could outweigh the value of the rewards. old navy credit card

: Approval typically requires "good" credit, often cited as a score of 640 or higher for the store card and 700+ for the Mastercard. : New cardholders typically receive 30% off their

If you earn in a calendar year, your card is upgraded to Icon status , which provides additional benefits: Free 3–5 day shipping on online orders of $50 or more. 20% bonus points awarded at the end of each quarter. Free basic alterations on Banana Republic purchases. Important Financial Considerations 20% bonus points awarded at the end of each quarter