James W Reed, Credit Cards Moderator
@jameswreed
Yes, it is hard to get the Old Navy Credit Card because it requires at least good credit for approval. Unless your credit score is 700 or higher and you have a lot of income, it will be difficult for you to get approved for this card. The Old Navy Store Card, on the other hand, requires a 640+ credit score (fair credit).
In order to get the Old Navy Credit Card, you will have to meet the credit score requirement, have a steady income and be at least 18 years old. You’ll also need to have an SSN or ITIN. Keep in mind that even if you meet all of the requirements for the Old Navy Credit Card, you’re never guaranteed to be approved.
If you are looking for a credit card with lenient approval requirements, you can check out our editors’ latest picks for the easiest credit cards to get approved for, to weigh your options.
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