Understanding Old Navy Credit Card**Old Navy offers two types of credit cards: **Old Navy Visa Credit Card** and **Old Navy Credit Card with Cashback Rewards**. Both cards are issued by Comenity Capital Bank, a reputable financial institution that specializes in store credit cards.
Here are some key features of Old Navy credit cards:
* **No Annual Fee**: You don’t have to pay any annual fee to use Old Navy credit cards.
* **Rewards Program**: Earn points for every dollar you spend at Old Navy and partner stores.
* **Credit Limit**: Varies depending on your creditworthiness and credit limit.
* **APR**: 24.90% (Variable) to 29.90% (Variable), depending on your credit score and terms.
Can You Use Old Navy Credit Card Anywhere? Exceptions and Restrictions
While Old Navy credit cards can be used almost anywhere Visa is accepted, there are some exceptions and restrictions to be aware of:
* **Foreign Transaction Fees**: Old Navy credit cards charge a **3% foreign transaction fee** when used internationally. You can avoid this fee by using a credit card that doesn’t charge foreign transaction fees.
* **Restaurants and Bars**: **No Cashback Rewards**: If you use your Old Navy credit card at restaurants and bars, you won’t earn cashback rewards.
* **Convenience Stores**: **Limited Availability**: Old Navy credit cards may not be accepted at all convenience stores.
* **Specialty Stores**: **Varying Acceptance**: Some specialty stores may not accept Old Navy credit cards.
Here are some specific examples of stores where Old Navy credit cards may not be accepted:
| Store | Reason |
| — | — |
| Convenience stores (e.g., 7-Eleven, Circle K) | Limited availability or not accepted |
| Gas stations | Not accepted due to restrictions on Visa rewards |
| Specialty stores (e.g., craft stores, beauty supply stores) | Varying acceptance |
Alternatives and Tips
If you encounter any issues using your Old Navy credit card, consider the following alternatives and tips:
* **Old Navy Cashback Rewards**: Use cashback rewards to redeem cash or merchandise at Old Navy.
* **Visa Credit Card**: Consider getting a regular Visa credit card with no foreign transaction fees or other restrictions.
* **Mobile Wallets**: Use mobile wallets like Apple Pay, Google Pay, or Samsung Pay to make payments with your Old Navy credit card.
* **PIN and Signature**: Make sure to set up a PIN and signature to protect your Old Navy credit card from unauthorized use.
Conclusion
In conclusion, **you can use an Old Navy credit card almost anywhere** that accepts Visa. While there are some exceptions and restrictions to be aware of, the rewards and benefits offered by Old Navy credit cards make them a great choice for loyal customers. With careful use and management, you can enjoy the convenience and benefits of using your Old Navy credit card, whether you’re shopping online or in-store.
Enhance Your Knowledge with Curated Videos on Guns and Accessories
