Old Navy Store Card | Card Review & Rewards Calculator

Old Navy Store Card

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

Review the benefits of the Old Navy Store 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 Store Card is a decent option if you're looking to earn a great return shopping at Old Navy and other Gap brands. The plus to picking up the Old Navy Store Card will be the large amount of discounts you'll receive within the first 2 months of card membership which is the 20% sign up bonus and 10% off 60-day Welcome Shopping Pass. Outside of that, there's not much else to the card and it lacks some of the annual benefits found on other Gap credit cards. You'll find that the card becomes more valuable if you're able to earn 5,000 points during the calendar year and earn the Navyist Store Card.

Bonus Categories

The Old Navy Store Card features one bonus category which is spending at Gap brand stores. There's no limit to the amount of rewards points you can earn spending on the card.

5x Gap Brands

Using your Old Navy Store Card at Gap brand store will earn you 5 rewards points per $1 spent. Eligible Gap brand purchases will include 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

Earning 5 rewards point will be equal to earning a 5% return since each point is worth 1 cent. While this is indeed a great return, it is the same return you'll receive when using any of Gap's credit cards. The difference between Gap's line up of cards comes down to the perks & benefits which is what you'll want to pay closer attention to you. The co-branded card that you feel has the most long-term benefits is the card you'll want to aim for.

0x Non-Category

The Old Navy Store Card does not have a network attached to it (Visa, Mastercard, etc.) so you will not be able to use this card outside of shopping at Gap brand store. While you can use the Old Navy Visa Card to earn points outside of Gap, I do not recommend doing so since you'll only be earning a 1% return. You can earn cash back rewards twice as fast using a 2% cash back credit card like the Citi Double Cash or PayPal CashBack Mastercard.

Perks and Benefits

The Old Navy Store Card offers two benefits which consists of a temporary 60-day discount and the ability to earn a higher tiered card status called Navyist.

10% Off Welcome Shopping Pass

Once you're approved for a Old Navy Store Card, you'll receive 10% off for the first 60 days of card membership. If you plan on making a lot of purchases or at least a few large purchases, this benefit can be very valuable. Since this is a temporary benefit that goes into play on the day of account opening, I would recommend to only apply for the Old Navy Store Card if you're planning on spending a good deal of money with Old Navy.

Navyist status old navy

Spend To Navyist Status

When you earn 5,000 points during a calendar year using the Old Navy Store Card, you'll be given Navyist status. Once you hit the status, you'll be issued a Navyist Store Card and you'll have access to additional benefits which includes quarterly bonus points, free alterations, and free shipping across Gap brands. You can earn 5,000 points by spending $1,000 on the card at Gap brand stores.

Other Benefits

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

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

Gap's other credit cards offer more in terms of annual bonuses such as a yearly birthday bonus, bonus point shopping days, and more. I recommend reading up on the benefits offered on other Gap credit cards.

Sign Up Bonus

The Old Navy Store Card's standard sign up bonus is 20% off your first card purchase at Old Navy. If you apply for the card in-store, the 20% will be applied to your purchase at checkout. If you apply online, you'll be sent a 20% off discount code that must be used at OldNavy.com and within 30 days of account opening. This is a nice discount so I recommend applying when you plan on making a costly purchase at Old Navy.

Bonus Points

You can earn an easy $10 in rewards when you 'Connect' with Gap as a cardholder. 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

There is no annual fee for having the Old Navy Store Card. This means you'll be raking in a nice 5% return every time you use the card. Make sure that you pay you statement balance in full every month otherwise the interest will eat away that 5% and you'll be dishing out what feels like an annual fee every month.

Authorized User Fee

There is no fee to add additional users to the Old Navy Store Card. If you have family or friends that shop at Gap brand stores, adding them will help you build points faster and thus get you closer to Navyist Status.

Foreign Transaction Fee

The Old Navy Store Card cannot be used outside of shopping at Gap brand stores, so the foreign transaction fee is not applicable.

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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