Old Navy Visa® Credit Card

Old Navy Visa® Credit Card

Old Navy Visa® Credit Card

Old Navy Visa® Credit Card

Old Navy Visa® Credit Card

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Card details

  • Earn 5 points for every $1 spend in Gap Inc. brands

  • Earn 1 point for every $1 spent outside Gap Inc. brands

  • Earn $5 Reward for every 500 points you earn

Rates, fees & offers

  • Annual fee

    $0

  • Rewards rate

    1x-5x

  • Bonus offer

    Enjoy 20% off your first purchase when you open an Old Navy Credit Card*.

  • Intro APR

    N/A

  • Ongoing APR

    APR: 25.99% Variable

    Cash Advance APR: 26.99%, Variable

  • Foreign transaction fee

    3% of each transaction.

Recommended credit score

Compare to other cards

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
Learn more
Annual fee

$0

Annual fee

$95

Annual fee

$0 intro for the first year, then $95

Regular APR

25.99% Variable

Rates & Fees

Regular APR

15.99%-22.99% Variable APR

Regular APR

13.99%-23.99% Variable APR

Rates & Fees

Intro APR

N/A

Intro APR

N/A

Intro APR

0% intro APR on Purchases for 12 months

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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NerdWallet review

By Chanelle Bessette

Rating details

2.5

Editor's overall rating

Pros and cons

Pros
  • No annual fee

  • High rewards rate

  • New cardholder bonus offer

Cons
  • Limited redemptions

  • No 0% intro APR

  • Rewards have limited flexibility

The $0-annual-fee Old Navy Visa® Credit Card offers rewards and unique perks for loyalists.

It earns:

--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.

But rewards can be applied only toward store purchases. If you want more flexible rewards, consider general cash-back credit cards, which let you spend your rewards wherever you like.