Old Navy Store Card Calculator

Card Details & Gap Rewards Points 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.

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
    • 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

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 stores.

Perks & Benefits

The Old Navy Store Card offers only a few benefits. You'll have to spend your way to Navyist status if you want additional perks.

  • 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 Store Card.
  • Exclusive Cardmember Only Offers
  • Early Access To Sales

Sign Up Bonus (SUB)

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 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

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 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.
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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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