Old Navy Credit Card Calculator

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.
Updated 2020-07-16 By Robert Flowers III

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.

Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee

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
    • 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 Old Navy Visa Card doesn't offer much in terms of long-lasting benefits, but you'll the have the ability to earn Navyist status by running spend through the card which will grant you some better benefits.

  • Spend To Navyist Status
    • Earn 5,000 points during the calendar year to be upgraded to Navyist status.
    • When upgraded, you will receive the Old Navy Navyist Credit Card.
  • Exclusive Cardmember Only Offers
  • Early Access To Sales

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

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 Old Navy Visa Card does not have an annual fee. You'll always earn a solid 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.

Rewards Calculator

You can use the 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 the value of the rewards earned and how much each benefit is worth to you, minus the annual fees. You can click the Compare A Card button to compare this card side by side any other card featured on the site within the same calculator.

Note! All category spend entered in the primary card's column (first column when comparing cards) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.

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
Edit Card Options
Compare A Card
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These cards are part of the same family.
Similar Cards
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.
Search Results Display Here
Category 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.
Currently Selected:
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 rewards earned from Category Spending and Reward Bonuses, along with the cash value of it all based on Currency Worth.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of Total Earnings based on Currency Worth.

Rakuten Rewards

$25 Bonus
Earn $25 or 2,500 Membership Rewards Points when you sign up for a Rakuten Rewards account and make a $25+ purchase. Rakuten and other cash back portals allows you to easily double and triple dip on rewards. I recommend using portals when booking travel or shopping online. You can sign up through The Point Calculator referral link to help out the site.
Sign Up For Free | Rakuten Review
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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