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

Card details

  • Earn 5 points for every $1 spend in Gap Inc. brands, in-store and online

  • Earn 1 point for every $1 spend everywhere Visa is accepted

  • Earn $5 Reward for every 500 points you earn

Rates, fees & offers

  • Annual fee


  • Rewards rate


  • Bonus offer


  • Intro APR


  • Ongoing APR

    APR: 28.24% Variable

    Cash Advance APR: 28.49%, Variable

  • Foreign transaction fee


Recommended credit score

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NerdWallet review

By Chanelle Bessette

Rating details


Editor's overall rating

Pros and cons

  • Qualify with average credit

  • No annual fee

  • High APR

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.

For more information, see NerdWallet's review of this card.

User Reviews

Rating Details

NerdWallet reviews are the result of independent research by our editorial team while cardholder reviews are contributions from independent users not affiliated with NerdWallet. Banks, issuers and credit card companies are not responsible for any content posted on the NerdWallet site, nor do they endorse or guarantee any posted comments or reviews.

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