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

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

  • 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 
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Annual fee

$0

Annual fee

$99

Annual fee

$199

Regular APR

25.99% Variable

Rates & Fees

Regular APR

16.24%, 20.24% or 25.24%, Variable APR

Rates & Fees

Regular APR

See Terms

Intro APR

N/A

Intro APR

0% intro APR for 15 months on balance transfers made within 45 days of account opening.

Intro APR

N/A

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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NerdWallet review

By Chanelle Bessette

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

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.