USES

Old Navy Visa® from Synchrony Bank Review

Old Navy Visa® from Synchrony Bank — all information about the credit card.

Updated January 17, 2023
Advertiser Disclosure Our Methodology
Old Navy Visa® Synchrony Bank
Apply now
Our Rating:
2.57 out of 5
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5x Points on Gap Inc. purchases.
    • $5 Reward for every 500 points earned.
    • 1x Point for every $1 spent outside Gap Inc. brands.
  • Intro Offer:
    • 30% Get 30% off on your first Old Navy purchase.
  • Annual Fee:
    $0
  • Purchase Intro APR:
    None
  • Regular APR:
    25.99% Variable
  • Balance Transfer APR:
    None
Show more

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Synchrony Bank Old Navy Visa® Rewards Calculator

How do you record your expenses?
Enter your monthly spendings on:
5X
Gap Inc. purchases
$
1X
All purchases
$
Have you already recieved the Synchrony Bank intro bonus?
Calculate
Your Results
Total yearly earnings
First year rewards
$7230
Rest years rewards
$7200
Annual fee
$0
Yes, Synchrony Bank Old Navy Visa® credit card is worth its annual fee!
How to maximize your Synchrony Bank Old Navy Visa® rewards?

Follow these simple steps to make the most of Synchrony Bank Old Navy Visa® credit card:

  • Spend more on Gap Inc. purchases
  • Pay off your balance in full each month.
  • Make a large purchases plan.

Using these tips will help you not only to cover your annual fee but also to get a net profit from making purchases with Synchrony Bank Old Navy Visa®.

Your net profit in the first year
$7,230
cup of coffee x2678
Your net profit in subsequent years
$7,200
cup of coffee x2667
Show less details
You will receive 7,230 points in the first year (equivalent to $7,230)
Where you get the most profit
  • Gap Inc. purchases
  • All purchases
  • Into bonus
Gap Inc. purchases
$6,000
All purchases
$1,200
Into bonus
$30
Total
$7,230
Annual fee
$0
Net yearly credit card profit
$7,230
You will receive 7,200 points in the rest years (equivalent to $7,200)
Where you get the most profit
  • Gap Inc. purchases
  • All purchases
Gap Inc. purchases
$6,000
All purchases
$1,200
Total
$7,200
Annual fee
$0
Net yearly credit card profit
$7,200

All benefits

  • Points
    • 5x On Gap Inc. purchases.
    • $5 Reward for every 500 points earned.
    • 1x For every $1 spent outside Gap Inc. brands.

Rate and fee information

  • Purchase Intro APR
    • None
  • Purchase APR
    • 25.99% Variable
  • Intro Balance Transfer APR
    • None
  • Balance Transfers APR
    • None
  • APR for Cash Advances
    • 26.99% Variable
  • How to Avoid Paying Interest
    • Your due date is at least 23 days after the close of each billing cycle. You will not be charged interest on purchases if you pay your entire balance by the due date each month. You will be charged interest on cash advances on the transaction date.

Fees

  • Annual Fee
    • $0
  • Fees for Cash Advances
    • Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Late Payment
    • Up to $40
View all Rates & Fees

Pros & Cons

Pros:
  • No annual fee
Cons:
  • Limited redemption options
  • High APR
  • Foreign Transaction Fee

Features

Classic
Visa
  • No Annual Fee
  • Fraud Protection
  • Rewards
  • Bonus points
  • Purchase Protection
  • Good Credit
  • Excellent Credit

About the issuer

Synchrony Bank
Synchrony Bank has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your

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