The Old Navy Credit Card can be used at stores that offer the “Plenti” rewards program. The credit card issuer for this store rewards card is Synchrony Bank, who will report your timely payments to all three major credit bureaus (Experian, Equifax, and TransUnion). This retail credit card has no annual fee and no foreign transaction fees.
One major benefit of the Old Navy Credit Card is that you can use it to earn points for every dollar you spend. You’ll then be able to redeem these points for rewards like discounts on future purchases or even a $10 statement credit. Another plus is that cardholders can take advantage of exclusive sales and great discounts.
Finally, you’ll also receive a rewards program that’s valid on purchases made both in-store and on Old Navy’s online store. A 0% Introductory APR is available for the first six months on all purchases made with your credit card. If you’re a frequent shopper at Old Navy, then this card will be even more beneficial to you.
How Much is the APR for the Old Navy Credit Card?
The purchase and balance transfer APR for your Old Navy credit card is a variable rate, starting at 10.49% and going up to 22.49%. The cash advance APR will be 29.49%, while there’s also a penalty APR of 29.49%. Keep in mind that these APRs are subject to change.
What are the Fees for the Old Navy Credit Card?
The following fees will be associated with your Old Navy credit card: a $5 or 3% cash advance fee (whichever is greater), a $10 or 5% balance transfer fee (whichever is greater), and a $27 or 5% foreign transaction fee.
How to Use the Old Navy Credit Card?
If you’re an Old Navy shopper, then the Old Navy credit card is a great way to save money on your purchases. You can use it to earn points for every dollar you spend, which can be redeemed for rewards.
To use your card at a store that offers the “Plenti” rewards program, just look for a participating location and let the cashier know you’re using the Old Navy credit card. Then, swipe your card as you normally would. Afterward, be sure to receive a receipt so that you can track your rewards.
Make sure to use your Old Navy credit card responsibly, as it can lead to a lot of debt if you’re not careful. In fact, with the 29.49% penalty APR, this could even damage your credit score in the long run. While this retail rewards card does have some great benefits, being responsible with your credit utilization is key.
If you’re looking for a great way to save money on Old Navy purchases, then the Old Navy credit card is definitely a card to consider. It has no annual fee, no foreign transaction fees, and offers a 0% Introductory APR for the first six months on all purchases made with your credit card. Plus, you can use it at stores that offer the “Plenti” rewards program.
How to Use Your Rewards Points for an Old Navy Credit Card?
When you shop at an Old Navy store location or online, your purchases will earn you Plenti points. When you have enough points, you can redeem them in exchange for a statement credit or rewards like discounts on future purchases.