Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and heres how we make money.
If you’re a sucker for reasonably priced staples, you might want to give the Navyist Rewards Mastercard® Credit Card a round of applause.
The Gap Inc. family of branded cards includes the Mastercard and store versions, which are both issued by Barclays. In addition to Gap and Old Navy, that umbrella of clothing retailers also includes Banana Republic and Athleta.
For fans of these brands, the Navyist Rewards Mastercard® Credit Card provides rewards and exclusive benefits, but there are certain drawbacks to be mindful of as well. Heres what to know.
Unveiling the Credit Bureau Mystery Behind the Old Navy Credit Card
The Old Navy Credit Card, a popular choice for fashion enthusiasts and budget-conscious shoppers, has sparked curiosity among many regarding the specific credit bureau it utilizes for credit checks. While the answer might seem straightforward, there’s a bit more to the story.
TransUnion: The Primary Credit Bureau for Old Navy
Reliable sources claim that Old Navy primarily uses TransUnion to evaluate prospective cardholders’ creditworthiness. This implies that your TransUnion credit report will be the main consideration when you apply for the Old Navy credit card.
The Role of Other Credit Bureaus
Although TransUnion has the upper hand, it’s crucial to remember that Old Navy might also take into account data from the other two major credit bureaus, Equifax and Experian. This extra information may paint a more complete picture of your credit history and behavior.
Factors Influencing Credit Bureau Selection
The specific credit bureau used by Old Navy for a particular applicant can vary depending on several factors, including:
- Applicant’s Home State: In some states, specific regulations may dictate the use of a particular credit bureau.
- Other Credit Factors: Depending on the applicant’s credit history and other financial information, Old Navy may choose to consult a different credit bureau for a more thorough assessment.
Maintaining a Healthy Credit Score
No matter which credit bureau Old Navy works with, getting approved and getting good terms depend on keeping your credit score high. Here are some tips to boost your credit score:
- Pay Your Bills on Time: Payment history is a significant factor in credit scoring. Make sure to pay your bills on time, every time.
- Keep Your Credit Utilization Low: Aim to keep your credit card balances below 30% of your credit limit.
- Monitor Your Credit Reports: Regularly check your credit reports from all three bureaus for any errors or inaccuracies that could be dragging down your score.
The Bottom Line
Although TransUnion is the main credit bureau used for Old Navy credit card applications, there are other variables that may affect the decision-making process. You can improve your chances of being approved and taking advantage of the Old Navy Credit Card benefits by being aware of these variables and keeping your credit score high.
You’ll earn rewards at Gap Inc. stores and anywhere Mastercard is accepted
With the Navyist Rewards Mastercard® Credit Card, youll earn:
- 5 points for every $1 spent at Gap Inc. brands in store and online.
- For every $1 spent at other Mastercard-accepting retailers, earn one point.
Among the Gap Inc. Old Navy, Gap, Banana Republic, Athleta, Gap Factory, and Banana Republic Factory are the stores where you can earn five points for every dollar.
You’ll get a solid sign-up bonus
The Navyist Rewards Mastercard® Credit Card offers new cardholders some worthwhile benefits in addition to the ongoing rewards. You can save as much as 2020% on your first purchase at Old Navy as long as you make the purchase within 2014 days after opening your account.
You will also receive five points for every dollar spent through January 2023, as opposed to the standard one point for every dollar spent on purchases made with brands other than Gap.
Old Navy Credit Card Review 2024 (+ Gap Credit Card & Banana Republic Credit Card & Athleta Card Too
FAQ
What credit bureau does Old Navy check?
What credit score does Old Navy require?
What finance company does Old Navy use?
What lenders use TransUnion only?