Does the Old Navy Credit Card offer roadside assistance?

The credit score needed for the Old Navy Credit Card is 700 or better; this means you need at least good credit to get it. But you’ll need a score of 640+ (fair credit) to have a decent chance of being approved for the Old Navy Store Card.

Your credit score is used to gauge the credit standing of an applicant and is a key indicator to the type of card for which you’ll be approved. However, a credit score alone does not guarantee approval for the Old Navy Credit Card.… read full answer

Things to Know About an Old Navy Credit Card Application

When you apply, your overall credit profile will ultimately determine which Old Navy card you’ll get. Unfortunately, you don’t get to decide which Old Navy card to apply for. The higher your credit score, the more likely you’ll automatically land the higher-tier Old Navy Credit Card rather than the traditional Old Navy Store Card. While the credit score is an important factor in evaluating your application, the issuer will also consider your income, debt-to-credit ratio, payment history, and other criteria.

The Old Navy cards are similar in structure and terms. The only key differences between the two cards are that the Old Navy Credit Card can be used anywhere Visa cards are accepted. You’ll also earn 1 point / $1 spent outside of Old Navy and its affiliated stores. The Old Navy Store Card can only be used to shop in-store or online at Old Navy and its affiliated stores. There is a $0 annual fee for either card.

Visa roadside assistance covers standard towing, tire changes, jumpstarts, locksmiths, fuel delivery, and winching for any Visa credit card customer. Visa Roadside Dispatch, as the program is officially known, costs $69.95 per service call. That amount must be charged to your Visa card. But there is no fee or registration required for access. And there’s no limit to how many times you can use this service. You simply call … read full answer(800) 847-2869 anytime you need Visa Roadside assistance, 24/7.

Visa roadside service coordinates your service request with local contractors. So, additional services may be available at a higher cost. For example, additional fees apply to tows over 5 miles and winching exceeding 100 ft.

Here is what Visa roadside assistance covers:

• Jumpstarting – Battery boost
• Standard Towing – Up to 5 miles included
• Tire Changing – You must have usable, inflated spare
• Lockout Service – No key replacement
• Fuel Delivery – Up to 5 gallons, plus the cost of fuel
• Standard Winching – On up to 100 ft. of paved or county-maintained road.

Visa Roadside Dispatch is not free but it may cost less than other local options. If you do not have the time to compare cost, you can at least rely on Visa roadside assistance being available 24/7.

Travel credit cards work just like any other rewards credit card, though they tend to reward cardholders more for making travel-related purchases than anything else. The points or miles that travel credit cards provide are also usually worth more when redeemed for travel, compared to other redemption methods. Plus, travel credit cards commonly offer features such as travel insurance, no foreign transaction fee, airport lounge access, and reimbursement for TSA PreCheck/Global Entry application fees.… read full answer

Travel rewards credit cards offer rewards in one of two currencies: miles or points. There isn’t much of a difference between the two, but miles are more frequently used in the context of airline rewards, while points are often associated with hotels. On that note, co-branded travel cards tend to give higher rewards rates and special perks with specific airline and hotel brands, while non-cobranded travel cards don’t favor any particular brand but give good rewards on travel purchases in general.

How Travel Credit Cards Work

They often reward you more for travel.

Travel purchases are usually going to be a lot more profitable rewards-wise than other types of purchases. For example, Chase Sapphire Preferred gives 5 points per $1 spent on travel purchased through Chase, 2 points per $1 on all other travel purchases, 3 points per $1 on dining and online grocery purchases, 3 points per $1 on select streaming services, and 1 point per $1 on all other purchases. But this isn’t true for every card. Capital One Venture, for instance, gives 2 miles / $1 on almost all purchases.

Travel redemption is usually the best value.

In most cases, you don’t have to spend your rewards on travel, but the credit cards companies give big incentives for you to do so. Take Chase Sapphire Preferred, for example. You get 25% more value from your points when you redeem them for travel.

No foreign transaction fees.

Very few travel cards will charge you extra for using your card abroad or with foreign merchants online. But you should check your cardholder agreement just to be sure.

There may be booking restrictions.

Some travel cards, like Capital One Venture, pride themselves on rewarding you equally for any type of travel, no matter where you book it. But other cards, especially airline or hotel cards, may only give travel-specific rewards rates if you book directly through the issuer.

You may need at least good credit.

Travel rewards cards are typically available only to people with good or excellent credit. You should shoot for a credit score of 700+ for cards that require good credit and 750+ for excellent credit.

You’ll often get travel insurance & other perks.

Travel insurance is a big plus. Some cards will cover you for trip cancellation, delays or accidents. Many travel credit cards still offer rental car insurance, too, though many regular credit cards have dropped that benefit. Certain cards, generally those with annual fees, also give you a yearly credit toward airline or travel purchases. You may even get other perks like free airport lounge access and the ability to transfer your points or miles to hotel and airline loyalty programs.

So if you travel frequently, getting a travel credit card is a good idea. After all, you might as well get rewarded for trips you’d go on anyway.