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

    $0

  • Rewards rate

    1x-5x

  • Bonus offer

    None

  • Intro APR

    N/A

  • Ongoing APR

    APR: 28.24% Variable

    Cash Advance APR: 28.49%, Variable

  • Foreign transaction fee

    3%

Recommended credit score

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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.