Old Navy Navyist Visa | Review & Rewards Point Calculator

Navyist Visa Credit Card

Card Review & Old Navy Rewards Calculator
5x Gap Brands
1x Everything Else
Exclusive Offers
20% Bonus Points Quarterly
Free Shipping
Free Basic Alterations

Review the benefits of the upper tier Old Navy Navyist Visa, calculate how many rewards points you can earn, and compare against top credit cards.


The Navyist Visa Card is an upgraded version of the Old Navy Visa Card. You can earn the Navyist Visa by earning 5,000 points during the calendar year using the Old Navy Visa. The easiest way to do such is by spending $1,000 at Gap brand stores. The Navyist Visa comes with additional benefits over the standard version including free shipping, bonus points, free alterations, and much more. If you shop at Gap brand stores and enjoy shopping at Old Navy specifically, you'll want to aim for earning the Navyist Visa Card.

Bonus Categories

The Navyist Visa Card features one bonus category and that's spending done at Gap brand stores. There's no limit to the amount of points you can earn spending on the card.

5x Gap Brands

When you use your Navyist Visa to pay for purchases at Gap brands, you'll earn 5 rewards points per $1 spent. Gap brands that trigger this bonus category 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

Spending at the stores listed above using this card will be equal to earning a 5% return which is the standard across all Gap credit cards. When you factor in the 20% bonus you'll receive quarterly as a Navyist member, you'll actually be earning a 6% return which is fantastic. Considering that the basic Old Navy Visa doesn't offer many perks, you'll want to strive for running spend through the card to grab up Navyist status.

1x Non-Category

All non-Gap purchases made on the Navyist Visa will earn you 1 rewards point per $1 spent which is a low return of 1%. Even factoring in the 20% quarterly bonus will only get you up to a 1.2% return. I recommend picking up a 2% cash back credit card since you'll earn rewards at twice the rate. Cards like the Citi Double Cash and PayPal CashBack Mastercard.

Perks and Benefits

The Navyist Visa Card comes with a good amount of benefits that can save you some money when shopping at Gap brands.

20% Bonus Points

At the end of every calendar quarter, you will receive a 20% bonus on the points on the points you earned in that quarter. This effectively bumps up the earning rate on the card to 6% for Gap brand purchases and 1.2% for non-Gap purchases. Quarters are considered to be January-March, April-June, July-September, and October-December. So if you were to earn 1,000 points between January and March, you would earn a 200 point bonus.

Do note that Banana Republic, Gap, and Old Navy are the only brands that offer an enhanced version when you earn 5,000 points in a calendar year. Athleta does not offer any type of enhanced card.

Free Shipping

As a Navyist member, you will receive free 3-5 day shipping when making purchases online with the following Gap brands:

  • Gap
  • Gap Factory
  • Banana Republic
  • Banana Republic Factory
  • Old Navy
  • Hill City
  • Athleta

Free shipping will only apply to U.S. addresses (Puerto Rico included) and you must enter promotional code NAVYIST at checkout to activate the benefit. Be sure to select the 3-5 day shipping option as selecting other options will not qualify for free shipping.

Free Alterations

Navyist membership will grant you free basic alterations on merchandise purchased at Banana Republic in-store and online. You will not be able to return or exchange merchandise that has been altered so keep that in mind.

Other Benefits

Along with all the main benefits listed above, you'll receive even more benefits as a Navyist Visa card member which includes:

  • Exclusive offers throughout the year
  • Presale access to popular sales
  • Private toll-free priority line

Sign Up Bonus

The Navyist Visa cannot be applied for directly and thus does not have a sign up bonus. You'll have to obtain this card by earning 5,000 points with the Old Navy Credit Card. The standard Old Navy Credit Card sign up bonus is 20% off your first purchase at Old Navy and free shipping on that purchase.

Bonus Points

If you're already own any of Gap's many branded 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 Navyist Visa does not have an annual fee. This means you'll be able to earn a great 6% return on your Gap brand purchases. Just be sure to pay your statement balance in full every month otherwise you will feel the pain of interest and your hard earned rewards will be canceled out.

Authorized User Fee

There is no fee to add authorized users to the Navyist Visa. If you have family and friends that enjoy shopping at Old Navy and other Gap brands, I recommend adding them as it will help you earn more points and help you maintain Navyist status.

Foreign Transaction Fee

The Navyist Visa has a 3% foreign transaction fee. This means you'll be charged a penalty ever time you use this card outside of the United States. Considering that this card doesn't earn much outside of Gap spending, I would stick to using the card in-store or online at Gap brands. I do not recommend using this card for international travel or international spending.

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 other rewards card side-by-side by clicking on the Compare A Card button.
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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.
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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.
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 ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Options
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) 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.
$0
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.
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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 this card (if applicable).
Annual Fee:
Auth Fee:
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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.
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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

Editorial Note: All opinions expressed on this site are my own and not those of any bank, rental car company, credit card issuer, hotel company, or any entity mentioned herein. Opinions, calculators, and other editorial content on this page have not been approved or endorsed by any entities on this site. You can read our Private Policy to learn more.

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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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