Old Navy Navyist Store Card Calculator

Review the benefits of the upper tier Old Navy Navyist Store Card, calculate how many rewards points you can earn, and compare against top credit cards.
Updated 2020-07-16 By Robert Flowers III

The Navyist Store Card is a solid selection if you enjoy shopping at Old Navy and don't care too much about the other brands. The card offers a 6% return on Gap brand purchases thanks to the 20% quarterly boost, free shipping when purchasing online at Gap brand stores, free alterations at Banana Republic, and more.

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

Bonus Categories

The Navyist Store Card features one bonus category which is purchases made at Gap brand stores. There's no limit to the amount of points you can earn using 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

The Navyist Store Card does not have a network associated with it (Visa, Mastercard, etc.) which means you will not be able to use it outside of Gap brand stores.

Perks & Benefits

The Navyist Store Card features a bunch of useful benefits that can save you some money and earn you additional points on your purchases.

  • 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

The Navyist Store Card cannot be applied for and must be obtained by earning 5,000 points with the Old Navy Store Card during the calendar year. The standard sign up bonus on the Old Navy Store Card is 20% off your first Old Navy purchases 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 Store Card does not have an annual fee which means you'll be able to earn a 6% return on your Gap brand spend. Make sure that you're paying your statement balance in full every month so that you don't have interest eating away at your rewards.

Authorized User Fee

There is no fee to add authorized users to the Navyist Store Card and I recommend doing such if you have friends or family that enjoy shopping at Old Navy and other Gap brands. Adding them can also help you maintain Navyist status as you'll still need to earn 5,000 points ever calendar year to maintain it.

Foreign Transaction Fee

The Navyist Store Card does not have a network associated with it (Visa, Mastercard, etc.), so the foreign transaction fee will not be applicable.

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
Family Cards
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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