Issued by GE Money Bank, the Old Navy credit card is one of the most popular credit cards being searched for on the internet.  Most of the searchers questions relate to whether or not this is a good credit card and where you can use it. 

To apply for this credit card you must be at least 18 years old.  As long as you do not live in Maryland, Wisconsin or Puerto Rico you can complete your application using the online facility.  For residents of the above mentioned places, you must submit a paper application which can be found on the Old Navy website.

Interest Rate

The APR attached to the Old Navy credit card is 21% on purchases, but if you do not pay your bill on time, your APR becomes fixed at 23.90%.

Grace Period

As long as your previous monthly balance was zero or you cleared your balance in full, you would enjoy a 26 day grace period.  But if you have a balance on your account each month, then no grace period is available.  This seems a bit unfair as there are many other cards that offer longer grace periods whether you had a balance on your last statement or not.

Fees

• Late payment - $25
• Returned check - $20
• On the Old Navy credit card website there was no information on whether they charged an annual fee or not.

Rewards

When you spend more than $50 at oldnavy.com, gap.com and bananarepublic.com, the items purchased are shipped free of charge.  In addition you can earn a $10 certificate for every $200 spent at these online stores.

From time to time oldnavy.com offers exclusive deals and you can visit the website to get updates on the latest deals on offer.  You also get a $5 voucher when you sign up to receive e-mail communications from Old Navy.

Where To Shop

The Old Navy Credit card can only be used within the Old Navy group at oldnavy.com, gap.com and bananarepublic.com.  This is understandable; after all it is on Old Navy Credit Card.

There is nothing to scream about with this credit card, if you are a die hard Old Navy shopper, this card would be suitable to you but if you are interested in a rewards credit card with universal usage, the Old Navy credit card may not be your best option.

To apply for an Old Navy credit card click here but if you would like to compare rewards credit cards that might be more suitable to your situation click here.