How to Apply for an Old Navy Credit Card?
As a popular clothing store, Old Navy offers various credit cards that provide numerous benefits and rewards to its cardholders. In this article, we will guide you through the process of applying for an Old Navy credit card, its benefits, and what you need to know before applying.
Why Apply for an Old Navy Credit Card?
Old Navy credit cards are a great way to shop, earn rewards, and get exclusive discounts. The cards are offered by Lands’ End, a global lifestyle brand, and offer the following benefits:
• Rewards: Earn 5% cash back on Old Navy purchases, 2% cash back on Lands’ End and other purchases, and 1% cash back on all other purchases.
• Exclusive Discounts: Receive special discounts, offers, and promotions.
• Flexible Payment Options: Get a credit limit that can be used at Old Navy and Lands’ End online or in-store.
• Credit Building: Using an Old Navy credit card responsibly can help build your credit score.
Types of Old Navy Credit Cards
Old Navy offers two main types of credit cards: the Old Navy Credit Card and the Old Navy Premium Credit Card.
Old Navy Credit Card
This card offers 5% cash back on Old Navy purchases, 2% cash back on Lands’ End and other purchases, and 1% cash back on all other purchases.
- Annual Fee: None
- Rewards: Earn 5% cash back on Old Navy purchases, 2% cash back on Lands’ End and other purchases, and 1% cash back on all other purchases
- Foreign Transaction Fee: 0%
- Credit Limit: $200 – $2,000
Old Navy Premium Credit Card
This card offers a higher rewards rate, increased credit limit, and extra perks.
- Annual Fee: $49
- Rewards: Earn 10% cash back on Old Navy purchases, 5% cash back on Lands’ End and other purchases, and 2% cash back on all other purchases
- Foreign Transaction Fee: 0%
- Credit Limit: $500 – $5,000
How to Apply for an Old Navy Credit Card?
Online Application
- Visit Old Navy Website: Go to the Old Navy website (www.oldnavy.com) and click on the "Credit Cards" tab.
- Click on Apply Now: Click on the "Apply Now" button next to the credit card you wish to apply for.
- Fill Out the Application: Fill out the online application form with the required information, including name, address, date of birth, social security number, and income.
- Submit the Application: Submit the application online and wait for the processing to complete.
Alternate Methods
- Store Application: Visit your nearest Old Navy store and ask a sales associate about applying for a credit card. They will guide you through the application process.
- Phone Application: Call the Old Navy credit card application hotline (1-877-256-1113) and apply over the phone.
- Mail Application: Download and print an application form from the Old Navy website and mail it to the address provided on the form.
Application Requirements
- ID Proof: Provide a government-issued ID, such as a driver’s license or passport.
- Proof of Income: Provide proof of income, such as a pay stub, W-2 form, or tax return.
- Social Security Number: Provide your social security number to verify your identity.
- Residency Information: Provide your current residential address.
What Happens After Application?
- Credit Check: The credit card issuer will perform a credit check to verify your creditworthiness.
- Approval/Decline: You will receive an email or mail with the application status within 7-10 days.
- Card Arrival: If approved, your card will be mailed to you within 7-10 days.
Tips for Approval
- Meet Credit Score Requirements: Meet the minimum credit score requirement, which is typically around 600.
- Low Credit Utilization Ratio: Keep your credit utilization ratio low (less than 30%) to improve your credit score.
- No Recent Credit Inquiries: Avoid applying for multiple credit cards in a short period, as it can negatively affect your credit score.
In conclusion, applying for an Old Navy credit card is a relatively simple process that can be completed online, in-store, or over the phone. By understanding the types of credit cards offered and the application requirements, you can increase your chances of approval and start enjoying the benefits of being an Old Navy credit cardholder.
Table: Old Navy Credit Card Benefits
| Benefit | Old Navy Credit Card | Old Navy Premium Credit Card |
|---|---|---|
| Rewards Rate | 5% Old Navy, 2% Lands’ End, 1% Other | 10% Old Navy, 5% Lands’ End, 2% Other |
| Annual Fee | $0 | $49 |
| Foreign Transaction Fee | 0% | 0% |
| Credit Limit | $200 – $2,000 | $500 – $5,000 |
By applying for an Old Navy credit card, you can earn rewards, get exclusive discounts, and build credit. Remember to meet credit score requirements, keep credit utilization low, and avoid multiple credit inquiries to increase your chances of approval.
