5 Things to Know About the Old Navy Visa Credit Card

There are rewards and unique perks for shoppers who frequent Gap Inc. brands, but there are also some pitfalls.
Dec 21, 2021

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If you can’t get enough of having affordable basics in your wardrobe, the Old Navy Visa® Credit Card may deserve a salute.

The Visa version and the store version of the card, both issued by Synchrony, are part of the family of branded cards from Gap Inc. In addition to Gap and Old Navy, that umbrella of clothing retailers also includes Banana Republic and Athleta.

The Old Navy Visa® Credit Card offers rewards and unique perks for loyalists of these brands, but there are also some pitfalls to be aware of. Here's what to know.

1. You'll earn rewards at Gap Inc. stores and anywhere Visa is accepted

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With the Old Navy Visa® Credit Card, you'll earn:

  • 5 points for every $1 spent at Gap Inc. brands in store and online.

  • 1 point for every $1 spent at other merchants that accept Visa.

Among the Gap Inc. retailers where you can earn 5 points per dollar: Old Navy, Gap, Banana Republic, Athleta, Gap Factory and Banana Republic Factory.

2. Rewards can be redeemed only at Gap Inc. brands

The rewards you earn with the Old Navy Visa® Credit Card aren't the most flexible; they can be applied only toward store purchases (not cash back) at the brands listed above.

There's no total limit on the rewards you can earn, but you'll only be able to use up to $250 in rewards per transaction. Reward points expire if you haven't earned or redeemed any points in the last 12 months.

If you want more flexible rewards, consider general cash-back credit cards, which let you spend your rewards wherever you like. Or, consider our best rewards credit cards.

3. Earn extra points by going paperless and submitting your email

The website for the Old Navy Visa® Credit Card gives cardholders the opportunity to earn an additional 500 points for each of the following:

  • Providing your email address, which lets you opt in to updates and offers from Gap Inc. brands.

  • Going paperless with your billing.

The 1,000-point bonus that you'll earn by completing these tasks translates into a $10 reward at Gap Inc. stores.

4. Being a ‘Navyist’ comes with plenty of pros ...

Cardholders can reach elite "Navyist" status by earning 5,000 points in a calendar year. This status grants access to:

  • 20% extra rewards points every quarter.

  • Free shipping with the code NAVYIST on any online order from Old Navy, Gap, Banana Republic and Athleta.

  • Free basic alteration on qualifying Banana Republic purchases (This perk isn't valid for merchandise from Banana Republic Factory Store, Gap, Old Navy and Athleta stores).

  • A dedicated customer service hotline.

To maintain Navyist status, cardholders have to requalify every calendar year.

5. ... But keep an eye on fees and APR

The Old Navy Visa® Credit Card has a $0 annual fee. However, you won't get an introductory interest-free period. The ongoing APR is 25.99% Variable.

This means that if you aren't paying off your card every month, you could rack up some hefty charges.

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