Old Navy Credit Card | Card Review & Rewards Calculator

Old Navy Visa Credit Card

Card Review & Old Navy Rewards Calculator
5x Gap Brands
1x Everything Else
10% Off Welcome Shopping Pass
Exclusive Offers
Spend To Navyist Status

Review the benefits of the Old Navy Credit Card, calculate how many Old Navy Rewards Points you can earn based on your spend, and compare against top cards.


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The Old Navy Visa Card is a solid option for anyone that enjoy shopping at Old Navy. The card offers a great return when shopping at Old Navy and other Gap brands such as Banana Republic, Athleta, and Gap. Along with offering a great return, the card offers a 10% off 60-day Welcome Shopping Pass as well as exclusive offers throughout the year. The only drawback to the Old Navy Visa is that it doesn't feature many of the long-term or annual benefits that Gap's other credit cards feature. The card only becomes more valuable once you earn 5,000 points during the calendar year and earn Navyist Status.

Bonus Categories

The Old Navy Visa Card features one bonus category and that's for spending done at Gap brand stores. There's no limit to the amount of bonus points you can earn spending at Gap store and no limit to the amount of points you can earn with the card overall.

5x Gap Brands

When you use your Old Navy Visa Card to make purchases at Gap brand store, you will earn 5 rewards points per $1 spent. Gap brand store purchases are considered to be purchases made in-store (U.S. & Canada only), online, via phone, or mail at:

  • Athleta
  • Gap
  • GapBody
  • babyGap
  • GapKids
  • Gap Maternity
  • Gap Outlet
  • Gap Factory Store
  • Banana Republic
  • Banana Republic Factory Store
  • Old Navy
  • Old Navy Outlet

Purchases at Gap brand stores with the Old Navy Visa Card will come out to being a 5% return which is what all Gap credit cards earn on these type of purchases. If you're trying to decide between a brand, it's best to grab up the co-branded card of the store you tend to shop at the most. Just note that Banana Republic and Gap credit cards tend to offer more benefits as a whole.

1x Non-Category

Non-Gap brand purchases made on the Old Navy Visa Card will earn you 1 rewards point per $1 spent which is equal to a very low 1% return. None of the Gap credit cards offer a great return on non-Gap spend and I don't recommend running such spend through their cards. You'll want to find rewards cards that offers a higher return on your everyday spend. If you're looking for easy well rounded rewards card, I recommend looking at 2% cash back credit cards such as the Citi Double Cash or PayPal CashBack Mastercard. You can use the rewards earned with those cards towards Gap purchases.

Perks and Benefits

The Old Navy Visa Card doesn't offer much in terms of long-lasting benefits, but you will receive a nice temporary welcome discount when you first receive the card. You'll also have the ability to earn Navyist status by running spend through the card.

10% Off Welcome Shopping Pass

When you're first approved for the Old Navy Visa Card, you will be given a 10% welcome shopping pass that is good for the first 60 days after account opening. While it's only a temporary benefit, it can be useful if you plan on making any large purchases at Old Navy. Consider the usefulness of this benefit and the 20% sign up bonus, I would recommend that you only apply for this card if you're ready to make a few large, worthwhile purchases with Old Navy. Otherwise you'll be wasting this benefit.

Navyist status old navy

Spend To Navyist Status

Earning 5,000 points during the calendar year with the Old Navy Visa Card will earn you Old Navy Navyist Status. This higher cardholder status will offer a bunch of useful benefits that will make being a cardholder a lot better. This includes 20% bonus points, free shipping across Gap brands, free basic alterations, and even a cool Old Navy Navyist Credit Card (card number stays the same). The easiest and most efficient way to earn 5,000 points would be to spend $1,000 at Gap brand stores during the calendar year. Once you do earn Navyist Status, you'll have to earn 5,000 points every calendar year to keep it.

Other Benefits

Outside of the Welcome Shopping Pass, you'll receive a very few other benefits from being an Old Navy Visa cardholder. Those include:

  • Exclusive offers throughout the year
  • Presale access to popular sales

In terms of rewards, the Old Navy Visa and Old Navy Store Card seems to offer the least when compared to the other 3 co-branded credit cards Gap offers.

Sign Up Bonus

The Old Navy Visa Card's standard sign up bonus is 20% off your first card purchase at an Old Navy store. If you open the card online, you'll be sent a 20% discount code good to be used on oldnavy.com. If you open the card in-store, your discount will apply at checkout. As stated previously, I recommend opening an Old Navy Visa Card when you're ready to make a large purchase as well as several other purchases to make use of this sign up bonus and the Welcome Shopping Pass.

Bonus Points

If you're already a Gap cardholder (as in have any of the Gap credit cards), you can earn an easy $10 in rewards when you 'Connect' with Gap. This option is located on the bottom of any of Gap's credit card detail pages. You'll earn 500 points when you enter your email address and another 500 points when you opt to 'Go Paperless' when it comes to your monthly billing.

Credit Card Fees

Fees
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Annual Fee

The Old Navy Visa Card does not have an annual fee. You'll always earn a solid 5% return on Gap brand purchases which can make the card very useful. Just be sure to pay your statement balance in full every month otherwise you'll be swimming in interest payments which will eat away at your rewards faster than you can earn them.

Authorized User Fee

The authorized user fee for the Old Navy Visa Card is $0. If you have friends or family that shop at Old Navy, adding them can help you earn points faster and push you towards Navyist Status which offers many more benefits.

Foreign Transaction Fee

The Old Navy Visa Card has a 3% foreign transaction fee. You'll be charged that fee every time you use this card for purchases outside of the United States. Since this card doesn't really offer any great rewards for international usage (and the fact you'll be charged a fee), I recommend using this card only in the United States and only at Gap brand stores.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any another rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Compare A Card
Select a card from the list below to compare it side by side against this card. You can search by card name (e.g. chase sapphire reserve, uber visa) or by rewards program (e.g. thankyou points, membership rewards points).
Currency Worth
This is the cash value of points and miles used in these calculations. You can click on the amount to change the value or you can select View Rewards As to calculate your rewards when transferred to partners.
View Rewards As...
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0 Cent(s)
View Rewards As...
This section allows you to view your rewards as if you transferred them to a partner. Select a transfer partner below and the calculator will alter the calculator to reflect the transfer ratio and the reward currency of the receiving program. This only applies to the currency of the selected card. Not all programs have transfer partners. I also do not have the cash value of points and miles for all transfer partners.
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Edit Value
Enter the cash value of these rewards in cents per point/mile. You can enter the value as X.XX cents or 0.0XXX cents. The maximum value allowed is 15 cents ($0.15) and the minimal value is 0.1 cents ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Options
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Deselect All
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
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Reward Bonuses
This section holds sign up bonuses, loyalty bonuses, and bonus bonuses. Most bonuses here will be listed automatically based on certain criteria. You can click 'Extra Bonus' if you wish to enter your own bonus amount.
Extra Bonus
Any additional bonuses you wish to add such as a sign up bonus or point bonus for adding authorized users
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Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
Learn how you can use cash back portals to earn hundreds in cash back every year booking travel and shopping online. Easily double and triple dip on rewards when you combine cash back portals, loyalty programs, and rewards credit cards.
Calculator Continues Below
Monetary Bonuses/Perks
This is a list of cash perks and bonuses associated with the selected card(s). Some perks will be listed here automatically. You can click on 'Perk Bonus' if you want to add additional value for the card.
Perk Bonus
Enter how much you value any unmentioned perks this card offers.
$0
Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
$0
Edit Fees
Edit the annual fee and authorized user fee of the Card (if applicable).
Annual Fee: -
Auth Fee: -
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card when everything is taken into account.
$0
Total Return
The percent you are earning per dollar spent on this card.
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Page Last Updated: 2020-02-12
Written By: Robert Flowers III

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About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.


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