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Old Navy Credit Card Reviews

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About Old Navy Credit Card

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Old Navy is a clothing and accessories retail store with locations across the U.S. The bright and open-concept floor plan lets shoppers quickly identify the different sections throughout the store, including men's, women’s, kids', baby, plus size and activewear. Each store’s layout and selection is different based on geographical location and inventory.

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Old Navy Credit Card Reviews

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    Sales & MarketingPunctuality & SpeedStaffTimelinessHonesty & Transparency

    Reviewed April 2, 2026

    I fell for a financial scam back in February and put in 5 separate disputes for each of the transactions. About a week later, I received 5 notifications from the Barclays app that the case has been resolved in my favor and the case has been closed. This was the same day I received the credits back onto my card. Today, 2 months later, I receive notifications that they couldn't help me and that the transactions would be posted to my account. As you can imagine, I was very confused and upset since I was already under the impression it's been closed because that's what the notification told me. If it wasn't actually closed, change your damn notification wordings so no one else gets misled like I did. Total bullshit.

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    Reviewed Feb. 25, 2026

    The new rewards program is total garbage! I have 48,000 points which used to be about 48 dollars in rewards money. Now it's only for certain items nobody would ever want.... I can get a hat, stuffed animal, or enter sweepstakes. Complete and total trash. I have had a Gap or Old Navy card for nearly 20 years, but you lost a loyal customer from this joke of a "rewards" program. Utterly disappointed. Do better!

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      Refunds & PayoutsBillingRates

      Reviewed Feb. 22, 2026

      This is the worst credit card I have ever had. Their credit card interest is over 33%. They transfer you from one person to another. They have you talked to Old Navy personnel and then to Barclays. They make two payments so I’m not get any interest. They have been holding $481 and have not refunded it for over two weeks. I have asked them to expedite the payment and they said it would take 7 to 10 business days I think they just want to keep my money as long as they can. Their billing practices are very terrible. I hope someone learns from my experience.

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      Customer ServiceTechPunctuality & SpeedRefunds & PayoutsStaff

      Reviewed Jan. 28, 2026

      I am a government employee. I was on shutdown. I called in October and was essentially told to keep calling every month and I would have no late fees or reporting even though they had no program in place. Incredibly inconvenient but I keep calling and got paid up as soon as I came back to work. BUT they reported it. Their response now is take it up with credit bureaus. Unbelievable. Never again.

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      Customer ServicePricePunctuality & SpeedRefunds & PayoutsStaffBilling

      Reviewed Nov. 14, 2025

      I have the Old Navy Navyist rewards Mastercard and my daughter is an authorized user. She hadn’t even activated her card yet and someone used it at 2 locations. I called as soon as I noticed that we had a balance as it was previously zero. The first customer service rep and the next four customer service reps told me it was being investigated and would take 90 days. At around 100 days, I called again and this agent informed me that it had never been documented as fraud! Then, she finally handled it and I received a letter in the mail stating that they determined it was fraud. I called 2 weeks later to ask about my refund for the two charges and the late fee (they told me I had to pay the charges until a determination was made). I was then told this was a new occurrence again and I raised my voice so she transferred me to her boss.

      The boss actually had a brain and stated that she was crediting me, but that the fraud investigation was in fact not complete! What the heck?? In the meantime, they told me my card was okay to use because my daughter and I have different card numbers. I tried to use it at the store and it was declined, but my SS number worked. This last agent told me that my card was in fact, closed but it shouldn’t have been. Whoever runs this credit card company is the most incompetent imbecile ever. Save yourself the hassle and do not apply for one of these cards!!

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      Staff

      Reviewed Nov. 5, 2025

      What kind of card is this? The irony is I just paid the balance to get more of a credit line and someone went ahead and had a shopping spree with my actual card. I regret signing up for this insecure card.

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      BillingHonesty & Transparency

      Reviewed Sept. 24, 2025

      Barclays is probably the worst credit card Old Navy could have went with. Not going to lie I have a credit sore of 650-720 so not the greatest but they keep lowering my limit for no reason. I use the card regularly and pay it off within 2 months.

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      Customer ServicePunctuality & SpeedMaintenanceStaffResolution

      Reviewed Sept. 9, 2025

      Customer service was zero help. I asked for a manager who was so condescending and arrogant. They did nothing to fix the issue that they created. I called and it took 4 tries to get a live person. Then places on hold. Another wait. Asked manager. The lady I got was anything but professional. No wonder they have 1 star review.

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      Customer ServiceSales & Marketing

      Reviewed Aug. 15, 2025

      Old Navy closed my account for inactivity, if they don't put in enough good sales to keep up with competition, is not my fault, now my credit score dropped because of that. They were not good to send a text or phone call to notify me.

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      Customer ServiceSales & MarketingStaffBillingRates

      Reviewed June 28, 2025

      We all know credit cards are full of scams. Barclays is just straight up stealing from you. Customer service will only help you by saying you have not paid your account in full and hang up before you can respond. If you are going to get a credit card, get one from the bank that will give you rewards and cash back instead of paying the SEVERAL interest fees a month.

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      Old Navy Credit Card Company Information

      Company Name:
      Old Navy
      Website:
      oldnavy.gap.com