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, 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

    $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%

Recommended credit score

Compare to other cards

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
Learn more
Annual Fee

$0

Annual Fee

$0

Annual Fee

$0

Regular APR

25.99% Variable

Regular APR

22.99% Variable APR

Rates & Fees

Regular APR

12.99% - 21.99% Variable APR

Rates & Fees

Intro APR

N/A

Intro APR

10.99% intro APR on Balance Transfers for 6 months

Intro APR

0% intro APR on Purchases for 6 months and 10.99% intro APR on Balance Transfers for 6 months

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

Wondering if this card is the best match for you?

Wondering if this card is the best match for you?

Wondering if this card is the best match for you?

Just tell us some details and see which card matches your needs most.

Just tell us some details and see which card matches your needs most.

NerdWallet review

By Chanelle Bessette

Rating details

2.5

Editor's overall rating

Pros and cons

Pros
  • Qualify with average credit

  • No annual fee

Cons
  • 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.