Old Navy Credit Card Application Online – Requirements & Limit

Old Navy offers stylish clothes for low prices and the store is known for its association with the Gap brand. If you are a loyal customer of the Gap brand, I am sure you have heard about Old Navy credit cards

The card works in all stores owned by Gap, Banana Republic, Athleta, and Piperlime. If you wish to have one, you can choose from a closed-loop or an open-loop credit card.

The open-loop card is a Visa card and works in all places that accept a VISA card. On the other hand, a closed-loop card works only in their stores.

Steps for Old Navy Credit Card Application Online

To apply for the Old Navy credit card, the application process is simple. Here is what you must do to get credit card.

Step 1- Login to the Old Navy website, and then add the last four digits of the SSN and also your mobile number.

Old Navy Credit Card

Step 2- On the Apply tab, add all the relevant information that includes your name, address, phone number and alternate number, email address, SSN/ITIN, net income received annually, and also your associate ID if you have one.

Credit Card

Step 3- Add the name and birthdate of the authorized user.

Credit Card login

Step 4- Once done, accept the terms and conditions and click on the Submit tab and complete the process of application.

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Old Navy login details

What are the application Requirements?

You do not need much except;

  1. Your SSN
  2. Your net annual income earnings of yours throughout the year
  3. A valid mobile number
  4. An operational email ID.

Also Read: How to Pre Qualify for Old Navy Credit Card?

Annual Fees

The card does not have an annual fee.

Credit Limit

The credit limit set on the card is around $300 and it primarily depends on your creditworthiness. How creditworthy you are, leads to them deciding your credit limit.

Old Navy Credit Card Benefits

There are several benefits the card offers its customers and some of them are,

1) Earn $5 for every 500 points that you earn.

2) Access to early popular sales and exclusive offers throughout the year.

3) You get 20% bonus points for each quarter

4) One point for every dollar spent on the Visa card.

5) You get 20% bonus points every three months.

Also read: J Crew credit card login & Pay Bill Payment Online/Offline


Lowest credit score for Old Navy credit card?

The lowest FICO score accepted is 620 for the Old Navy credit card.

Where can I use my old navy credit card?

You can either use it online or in-store with Old Navy, Gap, Gap Factory store, Banana Republic, Banana Republic Factory Store, or Athleta.

Contact Details

The contact details of the old Navy card include their call center number: 866-450-5295.


Here’s a bit about how you can apply for a credit card with Old Navy and if there is anything that you want to know about the card, drop in to browse through this article.

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