Old Navy Credit Card Barclay Complete Guide

The Old Navy credit card is a store-specific card. It is issued by Barclays a US Consumer bank. In June 2022, Barclays first introduced Old Navy Credit card through a new partnership with Gap Inc.

Prior to Barclays, Synchrony Bank had issued the Old Navy credit card. This card is specifically designed to reward Old Navy, Gap Inc. and other two partner brands’ shoppers for every purchase.

Besides, this card is also for the Banana Republic & Athleta shoppers. Because these two brands are the sister companies of Old Navy. Hence, this card has thousands of users at this moment.

According to the official website of Barclays US, there are two types of Old Navy cards available right now.

They are:

· Old Navy MasterCard
· Old Navy Credit Card

Old Navy MasterCard can be only used where MasterCard is accepted. Otherwise, you can use Old Navy Credit Card which is a store card. However, you can use both of them according to your needs.

Exclusive rewards for Old Navy Credit Card Barclay

The official website of Barclay states that Old Navy cardholders can get several exclusive rewards by using the card. The company offers exclusive rewards to attract customers & enhance the shopping experience.

Exclusive rewards for Old Navy Credit cards include,
Gets 5 points for every $1 spent across family brands
Gets 1 point per dollar spent outside their family brands
Birthday bonus

If you purchase anything from Old Navy or its sister brands, you will be rewarded 5 points for every dollar spent. On the contrary, you will earn 1 point for spending per dollar outside Old Navy & its sister brands.

In addition, customers can get birthday bonus points. The company provides special birthday bonus points to its cardholders to attract them to more shopping.

Later you can redeem these points and get cash rewards. The company provides $1 in exchange for 100 points. That means you will get more cash rewards for more points.

Customers will get all of these rewards if they purchase something from Old Navy, Gap, Banana Republic, and Athleta. In that case, this credit card has become an attractive option for loyal customers of Old Navy & its affiliated brands.

By the way, the reward points expire if you do not redeem them within two years. So, redeem the reward points before the expiration date and enjoy more shopping.

Special offers and discounts on Old Navy Credit Card

Besides attractive rewards, Barclays also gives exclusive discounts and offers to Old Navy cardholders. Through these offers and discounts, cardholders can make extra savings during shopping.

Special offers and discounts include:

· 30% off for first time purchase
· Free shipping
· $0 fraud liability protection
· Early access to sales
· $0 annual fee
· 15% off on own sale day

As an Old Navy cardholder, you will get 30% off on your first purchase from the Old Navy store or its sister brand’s stores. It is a really attractive and extra-saving option for customers.

Additionally, the company offers free fast shipping if you order more than $50 from its all partner brands. This favour has made Old Navy credit cards popular to shoppers.

Because customers do not need to carry extra shipping costs. Moreover they can save their money and can purchase more from the company. In addition, they do not need to think about the shipping time.

The best thing about the Old Navy credit card is its $0 fraud liability protection. It means you are not held responsible for unauthorized charges made on your Old Navy credit card.

There is another best discount for cardholders once a year. If you are an Icon level member, you can choose your own sale day once per year and get 15% off on your online or offline purchase.

All of these offers and discounts have made the Old Navy credit card a valuable tool. Through these exclusive deals, loyal shoppers attain excellent opportunities to save money on their regular purchases.

How do I earn points at Old Navy?

As for the information given by the official website of Old Navy, a shopper can earn points every time he shops at Old Navy. Using an OldNavy credit card, you can also earn points from Banana Republic, Athleta, and Gap.

Customers earn 5 points for every $1 spent at Old Navy and its sister brands. On the other hand, they earn 1 point per dollar spent for purchasing anything outside these brands.

The company offers opportunities to earn extra points taking advantage of bonus point days. According to the information of USA Today, a first-time purchaser can earn hundreds of points for shopping at two or more Old Navy family brands.

Here is the bonus point amount that a cardholder can unlock within a year:

Shopping terms	Amount of bonus points
Shopping at two brands	500 points
Shopping at three brands	1000 points
Shopping at all four brands	2000 points

However, Old Navy does not yet offer a specific referral commission to earn more points. Cardmembers earn points both on in-store and online purchases.

How do I redeem points at Old Navy?

You can redeem points at Old Navy in two particular ways: redeem in stores & redeem online.

Once you acquire enough points, you will be notified via email to redeem them. If you want to redeem your points in stores, you need a reward certificate provided by the company.

When you physically show your reward certificate to the stores, you will be able to redeem your rewards offline. Anyway, redeeming online is not a hard task but you have to go through a particular method.

Firstly, you need to add items to your cart and proceed to checkout. Then you will see the payment section. There you will get an option to apply your reward points. Thus you can redeem points and purchase something online.

If you redeem 500 points, you will get a $5 reward. Every 100 points is equal to a $1 redeemable reward across Old Navy and its sister brands.

Does the Old Navy Credit Card have an annual fee?

The answer is “No.” Old Navy credit card does not have an annual fee at all.

That means Old Navy card holders can enjoy all the offers, discounts, and rewards without paying a per-year fee. Hence, it is a cost-effective option for the shoppers.

Everyone loves this feature of a credit card. Because a credit card holder needs to pay a pretty penny per year for using a card.

The company has been taking a $0 annual fee to satisfy its card users and attract customers to use more. This initiative has made Old Navy a popular and reliable name in the apparel industry.

As there is no annual fee for the Old Navy credit card, you will not feel the pressure to use the card to justify the cost. Just use the credit card frequently when you need to purchase something from Old Navy and its partner brands.

The Old Navy credit card is especially ideal for occasional shoppers due to no annual fee structure. Although they shop a few times a year at Old Navy, they do not have any pressure for extra costs.

Having no annual fee for the Old Navy credit card is really a significant advantage for loyal shoppers. Undoubtedly, it is an excellent option for frequent as well as occasional customers of Old Navy & its family brands.

Where can I pay with my Old Navy Credit Card?

According to the sources, you can pay with your Old Navy credit card at Old Navy stores, Gap factory stores, Banana Republic, and Athleta stores.

Similarly, you can also use this card for online shopping at these brands. All of these brands are under the umbrella of Gap Inc.

Additionally, you can use the Old Navy Mastercard anywhere the card is accepted. Although there are some limitations for offline purchases, shoppers love this card for shopping purposes.

Can I use Old Navy Credit Card outside the U.S.?

Yes, you can use Old Navy credit card outside the USA across all the Gap Inc. and its partner brands’ stores. Along with the credit card, you can also use the Mastercard.

Barclays, the issuer of the Old Navy card, has ensured that Old Navy Mastercard can be used anywhere across the world. But there is a condition; the card must be accepted in that particular location.

Otherwise, you cannot use your Old Navy Mastercard or Credit card whether it is in the United States or outside of the country.

Managing your Old Navy Credit Card Barclay

It is quite simple to manage your Old Navy credit card through online tools. There is an online application available named Barclays US Credit Card app to manage the card.

Simply visit the Barclays’ official website and download the app. It is available for both iOS & Android. Hence, you can easily manage your account from any device.

From checking balances to making online payments, everything you will get in a single application. Redeeming points is quite easy through the online application.

The interest rates and charges summary should be kept in mind before using the Old Navy card. A summary has been given in the following table:

APR Details	APR Rates & Charges
APR for purchase	34.99%
APR for transferring a balance	34.99%
APR in terms of cash advance	34.99%

However, the interest rate will not be charged on new purchases if the full balance is paid off by the due date each month. There is also no annual fee for the Old Navy store card and Old Navy MasterCard.

But there is a particular balance transfer fee for the Old Navy card. It is either $5 or 5% of the transferable amount.

How do I apply for the Old Navy Credit Card: Step-by-step guide

There are two ways to apply for the Old Navy credit card. A customer can apply to get the card both in-store and online. Both are easy so an inexperienced person can apply for the card.

To get the Old Navy Credit Card, you need to go through a specific method. It includes:

· Gathering required information
· Apply offline or online
· Providing personal information
· Verifying information
· Reviewing the application
· Submitting the application
· Waiting for the card

Firstly, you need to gather all the necessary information like full name, date of birth, citizenship details, contact details, taxpayer identification number, housing status, and annual income details.

If you want to apply online, simply visit the official website and fill out a particular application form using your personal and financial information. On the contrary, you can easily provide your details to the offline stores.

After that, you have to wait to get the card. Usually, the company takes 7 to 10 business days to issue the card. After getting the card, you will enjoy rewards, discounts, and other perks.

How to maximize Old Navy Credit Card rewards: Tips and tricks

You have to use your Old Navy credit card strategically to maximize your rewards and benefits. Some important tips and tricks are given below:

Take advantage of bonus points days. Sometimes the company offers 2x or 3x points on your purchases. You just need to take the opportunities and maximize your rewards.

Follow the ongoing sales using promo codes. It will help to get a hefty discount on your purchases.

Achieve Navyist status by spending $1000 or more within a year. Then you will get more bonus points and exclusive offers.

Combine shopping across the four brands. If you make a combined purchase from Old Navy and its sister brands, you will earn 500 to 2000 bonus points.

All of these tips will help to maximize your Old Navy credit card rewards.

Final words

Old Navy Credit Card Barclays is a great option for the dedicated shoppers of Old Navy and its’ partner brands. A shopper can enjoy attractive offers, excellent discounts, and earn rewards points by using the card.

The benefits and rewards encourage the customer to use the card for their shopping purposes. They are amazed by the excellent features including the $0 annual fee of the Old Navy credit card.

However, it is important to manage and use the card wisely to avoid high APR. Maximize your savings and enjoy a rewarding shopping experience.