To get an Old Navy Credit Card cash advance:

1. Call Old Navy Credit Card customer service at (877) 383-4802 and request a PIN, if you don't already have one.
2. Insert the credit card at an ATM and enter the PIN.
3. Select the cash advance option on the ATM screen.
4. Enter the amount you'd like to withdraw.
5. Withdraw the cash and remove the credit card from the ATM.

Before you take out an Old Navy Credit Card cash advance, it's important to note that it is a very expensive transaction. For starters, there's a 5% (min $10) cash advance fee. There's also a separate cash advance APR of 26.99% (V) that applies as soon as you withdraw the cash. There may be ATM-owner fees, too.

Also, keep in mind that unlike the Old Navy Credit Card, which belongs to the Visa network, the Old Navy Store Card does not allow cash advances and can only be used at Old navy, Gap, Banana Republic, or Athlete, both online, and in-store.

The Old Navy Credit Card credit limit is usually around $300 to start, according to forum posts, and some cardholders report limits as high as $1,000. Synchrony Bank does not include any specific Old Navy Credit Card credit limit information in the card's terms, though.

For the most part, ... show more

The main Old Navy Credit Card requirements are that an applicant must be at least 18 years old with a valid Social Security number or Individual Taxpayer Identification number. Applicants must also have a physical U.S. address, enough income to make monthly minimum payments, and at least good credit.

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The Old Navy Credit Card annual fee is $0 per year. Old Navy Credit Card's $0 annual fee is lower than the average annual fee among new credit card offers right now. It's not the only fee you need to worry about with the Old Navy Credit Card,... show more

Yes, the Old Navy Credit Card has a grace period of at least 23 days, lasting from the end of each billing cycle until the payment due date. If cardholders pay their Old Navy Credit Card statement balance in full every month, Synchrony Bank will not charge any interest.

Keep... show more

Old Navy reward points are what you'll earn on every purchase made with the Old Navy Credit Card.

You earn 5 points for every $1 spent at Old Navy, Gap, Banana Republic, and Athleta, plus 1 point for every $1 spent elsewhere.

Old Navy reward points are worth... show more

Yes, the Old Navy Credit Card does have a late fee of up to $40, which applies when cardholders don't make the minimum payment by the due date. The late fee for Old Navy Credit Card is $29, and it will increase to $40 for subsequent late payments within 6... show more

The Old Navy Credit Card foreign transaction fee is 3%. The fee is assessed for purchases made while traveling outside of the United States or through merchants located outside of the United States.

However, there are several good credit cards on the market that don't charge any... show more

“ONDC” is a credit-report code for an Old Navy Discover Card Credit Card. It's often accompanied by “SYNCB” (e.g. “SYNCB/ONDC”), denoting the card's issuer, Synchrony Bank.

So if you have an Old Navy Credit Card, that explains why “ONDC” is listed on your credit report. This shouldn't... show more

The usual Old Navy Credit Card approval time is instant, especially if you apply online. However, if there's something unclear on your file, the decision can take up to 14 days.