Navyist Visa Credit Card Calculator

Card Details & Gap Rewards Points 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
    • Include purchases made in-store, online, over the phone, and via mail with:
      • Athleta
      • Gap
      • GapBody
      • babyGap
      • GapKids
      • Gap Maternity
      • Gap Outlet
      • Gap Factory Store
      • Banana Republic
      • Banana Republic Factory Store
      • Old Navy
      • Old Navy Outlet
  • 1x Non-Category

Perks & Benefits

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

  • Free 3-5 Day Shipping
    • Must use promotional code NAVYIST.
  • 20% Bonus Points
    • Earn a bonus of 20% of points earned during the calendar quarter.
    • Example: If you earned 1,000 points between January and March (one quarter), you would earn a bonus 200 points.
  • Free Basic Alterations
    • Only applies to merchandise purchases in-store or online with Banana Republic.
    • Do note that you cannot return or exchange merchandise that has been altered.
  • Exclusive Cardmember Only Offers
  • Early Access To Sales

Sign Up Bonus (SUB)

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

You can earn an easy 1,000 bonus points by signing up for Gap Inc brand emails and enrolling in paperless credit card statements once you have your card.


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.
Compare A Card
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Compare A Card
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These cards are part of the same family.
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These are similar cards based on earning structure and other benefits (that aren't part of the same family).
Search Cards
Search for credit cards by name, rewards program, or rewards currency.
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Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
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Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all spend and bonuses above this line and the cash value of it all.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of total earnings based on currency worth.
Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User 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 based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

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