What’s better than shopping Gap brands like Old Navy, Banana Republic, and Athleta? How about getting free clothes at these retailers? The Old Navy Visa credit card can help do just that — build up your wardrobe for free. I’ve got the scoop on what you need to know about the credit card, its rewards, and perks.

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1. Synchrony Bank determines which Old Navy credit card you get.

Old Navy offers two Old Navy credit cards: 1. An Old Navy store credit card which you can only use to shop Gap Inc. brands, and 2. An Old Navy Visa that works like a regular Visa. I’ll tell you more below about why this matters.

When you apply for an Old Navy credit card, Synchrony Bank (who offers the card) determines the card you receive based on your credit score which, according to WalletHub, needs to be at least a 640 for the store card and a minimum of 700 for the Visa card.


2. Open an Old Navy credit card and get a 20% off coupon for your first purchase.

Once approved for either Old Navy credit card, you’ll get a 20% off coupon to use toward your first purchase. But, if you apply and get a card online at OldNavy.com, you have to use the coupon toward an online purchase within 30 days. If you apply in store, you have to use the coupon that day while paying with your new card.


3. Earn points at Gap brand stores and wherever Visa is accepted.

Here’s why it matters which card you get: You’re limited to earning points at Gap brand stores only with the Old Navy credit card, but the Old Navy Visa credit card can earn you points for anything you buy, as it works everywhere.

For both credit cards, any online and in-store purchases made at Gap Inc. brands earn you five points for every $1 spent. For every 100 points, you’ll get $1 in rewards (that’s $20 spent or 5% cash back).

The Old Navy Visa will also get you one point per $1 spent everywhere else.

Here are the Gap brands you can earn five points for every $1 at:


4. Earn 1,000 points ($10) when you submit your email and go paperless.

No matter which card you get, a quick way to earn $10 in rewards is to sign up to receive promo emails and enroll in paperless statements.

Sign up for emails and receive 500 points from these stores:

  • Athleta
  • Banana Republic
  • Banana Republic Factory
  • Gap
  • Gap Factory


5. Get exclusive Gap Inc. brand offers and access to popular sales.

As an Old Navy credit cardholder, you can enjoy early access to popular sales, like their 50% off sale, and exclusive offers throughout the year, including on your birthday. I’ve read some people have received a random gift box filled with goodies like a notepad, pens, a camping mug, and a laptop privacy screen just for being loyal Old Navy shoppers.


6. Earn free 2-3 day shipping, quarterly bonus points, plus more perks as an Old Navy Visa cardholder.

In addition to earning points across Old Navy, Gap, Banana Republic, and Altheta, as an Old Navy cardmember you can get all kinds of perks thanks to Gap Inc’s new One Membership rewards program. Old Navy cardmembers automatically qualify for the program’s Enthusiast tier:

Enthusiast: As a cardmember, enjoy free 3-5 day shipping on orders of $50 or more, early access to promotions, a birthday surprise, other exclusive offers, and 250 quarterly bonus points.

Icon: Earn 5,000 points as a cardholder (Spend $1,000 or more annually), and get exclusive offers, a birthday surprise, plus free 2-3 day shipping on orders $50 or more, Double Reward Day, 500 quarterly bonus points, Create Your Own Sale Day (15% off any Gap brand) and free alterations at Banana Republic.

TIP: You can convert Old Navy Super Cash to points as well.


7. Redeem Old Navy credit card rewards within six months.

Once you receive your rewards statement, you have six months to use them or lose them. Redeem them at Old Navy, Gap, Gap Factory, Athleta, Banana Republic, Banana Republic Factory.


8. Redeem up to three Old Navy credit card rewards in store or five online or via phone.

You can stack up to three rewards with one promotional offer for in-store purchases and up to five when you place an order online or over the phone. You can also use them on sale items.


9. Use your Old Navy Visa card for everyday expenses and get free clothes.

One way to get your clothes for free is to use the Old Navy Visa for everything you’d use your debit card on like your monthly bills and groceries. You can only earn up to $50 in rewards at one time (spend $5,000) and a max $250 per month — over that will go to the next month’s rewards.

How do you reach $50 in rewards? Spend at least $1,000 and get $10 rewards a month for five months, and in the sixth month spend your rewards:

Stack all five for a $50 online purchase before the first reward expires in August.

If you plan on using your rewards in store you’ll have to spend $1,667 a month for three months to earn $50.


10. Stack Old Navy Visa rewards with Super Cash for free clothes.

Combine your Old Navy rewards with Super Cash and pay nothing for your new clothes! Here’s the trick: The amount of Super Cash and rewards you have will determine your threshold. Here’s what you need to spend to use your Super Cash:

Now that you have $50 in rewards, it’s time to combine them with Super Cash. Your total must always be greater than your rewards, we’re talking like $1. So, for example, if your online total after promos is $81, you can redeem five $10 reward certificates and $30 in Super Cash. You’ll get $80 worth of clothes for free!

TIP: Use all of your available Super Cash and rewards because any amount you don’t use you lose!


11. Pay off your Old Navy credit card EVERY month.

To reap the benefits of having the Old Navy credit card, you must pay off your monthly balance. Otherwise, the 25.99% APR will add up quickly.

TIP: Stores don’t take credit card payments. You have to pay your card online, via mail, or on the phone.

How to Get Free Clothes with Old Navy Credit Cards