What Bank Owns Old Navy Credit Card?

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Summary: Barclays Bank Delaware administers the Old Navy credit card program, also known as the Navyist Rewards Mastercard. SoloSuit explains how the Barclays Old Navy credit card program works.

If you’re like many Americans, you turn to Old Navy when you need new clothes. Old Navy is famous for its low prices on comfortable attire for the whole family. Customers can shop for shirts, jeans, dresses, and activewear in various styles and feel good knowing they aren’t overpaying for their purchases.

Where can I use my Old Navy credit card?

Loyal Old Navy customers can apply for a Navyist Rewards Mastercard, which clients can use at any store in the Gap Inc. family, which includes:

Old Navy
Banana Republic
Gap
Athleta

If you’re being sued for a debt from your Old Navy credit card, you can settle it for less with SoloSettle. Keep reading to learn more about the card, including its rewards, interest rates, and fees.

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What bank is Old Navy credit card administered by?

Barclays Bank Delaware is the bank for the Old Navy credit card. Before you sign up for any credit card, be sure to understand the agreement you’re entering. Learn more about the Old Navy credit card agreement here.

Check out our guide for more information on how to respond to a debt lawsuit against Barclays: Sued by Barclay for Debt Collection – How to Win

The Old Navy credit card offers several rewards

The Old Navy credit card, also known as the Navyist Rewards Mastercard® or the Gap Inc. Mastercard, offers the following rewards:

30% off your first purchase with the card at Old Navy
$1 reward per every 100 points earned
5 points per $1 spent with the card at any of the Gap family stores
1 point per $1 spent with the card on purchases outside the Gap family stores
Free shipping on orders of $50 or more

The Gap Inc. Mastercard is a retail store card that cardholders can use at any Old Navy, Gap, Banana Republic, or Athleta store. Clients can also use the card on the stores’ websites.

So, once an Old Navy cardholder accumulates 100 points, they’ll earn a $1 reward they can use on future purchases. This means that a cardholder who spends $100 at Old Navy will accumulate $5 in rewards.

Here are some other benefits offered by the Old Navy credit card program:

Members only exclusive offers
Bonus points when you shop at two or more Gap Inc. brand stores
Quarterly bonus points for each quarter you shop at a Gap Inc. brand store
Early access to sales
No annual fee

Do you need to validate your debt with Old Navy? Get started with SoloSuit’s Debt Validation template.

The drawbacks of an Old Navy credit card

While Old Navy credit cards can offer some savings to consumers who apply for them, they have a few disadvantages, such as high interest rates. Here are some of the drawback of the Old Navy card:

29.99% APR
5% transfer fee
$41 late fee

Consumers can avoid interest charges if they pay off their entire balance by the due date of their next bill. Otherwise, interest will apply.

Let’s consider an example.

Example: Jill decides to apply for the Gap Inc. retail card. She’s approved and buys $250 of clothing at Old Navy. Since this is her first purchase, she saves 30%, bringing her total to $175. She also earns 875 reward points, which entitle her to $8.75 toward future purchases. Jill’s minimum payment of $40 is due on October 1. She can’t afford to pay the balance, so she sends the minimum. She incurs additional interest fees, which offset nearly half of her rewards earnings.

To maximize the benefits of an Old Navy credit card, consumers should pay off their balance before their due date to avoid interest fees that eat into their savings.

What the BBB says about Barclays

Barclays administers credit card programs for many enterprises, including Lufthansa and the Carnival cruise line. The company has an A+ rating with the Better Business Bureau (BBB), the highest available.

However, Barclays is not free of customer complaints.

A customer cited a bad experience with Old Navy’s credit card program. She had an Old Navy card with another financial institution. When she attempted to use her Old Navy card at her local store, Old Navy said she didn’t have an account and needed to apply for a new card. However, when she attempted to apply, the company denied the application because she had an account on file. As a result, she lost out on the 30% discount and loyalty rewards.

Another client complained about late fees and improper payment application due to Old Navy’s switch from Synchrony to Barclays. The company’s mistakes damaged the client’s credit score and credit report.

Watch this video to learn how to write a Debt Validation Letter for your Old Navy credit card.

Pay off your Navyist Reward Mastercard debt

If you’re wondering how to pay Old Navy credit card debt, here are a few tips:

Create a budget and prioritize debts. Start by making a budget that tracks your income and expenses. This will help you see where your money is going and identify areas where you can cut back. Prioritize your debts, focusing on paying off the ones with the highest interest rates first, as they cost you the most money over time. Keep in mind that the Old Navy credit card has an APR of 29.99%.

Pay more than the monthly minimum. Try to pay more than the minimum monthly payment on your credit card bills. Even a little extra can make a big difference in reducing your overall debt and can significantly shorten the time it takes to pay off your balance.

Consider a balance transfer or debt consolidation. If you have high-interest credit cards, consider transferring the balances to a card with a lower interest rate. Some credit cards offer introductory periods with 0% interest on balance transfers. Alternatively, a debt consolidation loan can combine multiple high-interest debts into a single payment, potentially at a lower interest rate.

In addition, consider the following advice from the Old Navy credit card agreement on how to avoid paying interest:

"You can avoid paying interest on purchases if you pay your purchase balance subject to interest (excluding Easy Pay Offers) plus any monthly Easy Pay Payment Amount in full by the Payment Due Date every month. If you do not pay your purchase balance subject to interest (excluding Easy Pay Offers) plus any monthly Easy Pay Payment Amount by the due date each month, you will pay interest from the date purchases are posted to your account until the date you pay those Purchases in full. To avoid a late fee, you should pay at least the minimum payment due on your account each month."

Remember, the key to paying off credit card debt is consistency and commitment. Stick to your budget, keep your spending in check, and stay focused on your goal.

Be wary when signing up for an Old Navy credit card

Retail store cards like Old Navy’s can benefit consumers who regularly shop with them. However, they typically come with high interest rates that can wipe out consumer savings if the cardholder doesn’t pay the balance before the due date. Late payments can incur extra fees of up to $41.

If you apply for an Old Navy card, be realistic about your ability to pay off your balance. Carrying a balance with Old Navy is expensive and can damage your credit score.

Is Old Navy suing you for unpaid debt? Use SoloSuit’s Answer template to respond.

Settle your Old Navy credit card debt

Getting sued for debt sucks, but you still have options, even after a lawsuit is filed.

If you’ve been sued over a debt with Old Navy’s credit card, debt settlement may be your way out. Debt settlement is the process by which a debtor pays off a lump-sum portion of their debt in order to satisfy the obligation for good.

Debt collectors and creditors are often willing to work with debtors who cannot afford to pay off a debt in full. Beware that debt settlement can have a negative impact on your credit score, but nothing will hurt your credit worse than non-payment.

To settle a credit card debt, follow these three steps:

Respond to your pending lawsuit with a written Answer.
Send a settlement offer to start negotiations.
Get the agreement in writing.

SoloSettle, powered by Solosuit, can help you with each step and more. To learn more about these three steps, check out this video:

What is Solo?

Solo makes it easy to resolve debt with debt collectors.

You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt. SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.

SoloSettle can help you contact your debt collector or creditor and negotiate the debt to settle for less, all online. It simplifies and streamlines the process to settling your debt.

No matter where you find yourself in the debt collection process, Solo is here to help you resolve your debt.

>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit. (We can help you in all 50 states.)

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