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
- Include purchases made in-store, online, over the phone, and via mail with:
- 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.
Fees
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.
Rakuten Rewards
$25 Bonus
