If you shop a lot at Old Navy and other Gap brands, this card can easily earn a spot in your wallet. Not only will you earn 5 points per $1 spent, but you’ll get access to inside information about sales, styles, and trends.

If you shop frequently enough that you’ll earn 5,000 points each year, take advantage of the perks of Navyist status too. Not only does it turn 5 points into 6 points, but you’ll get free alterations with Banana Republic, and free shipping on online orders.

For other purchases, we would recommend using another rewards credit card. Here’s an oversimplified example to illustrate why.

Let’s say you spend $1,866 on apparel each year. (That was the average spending among U.S. households in 2018, data from the Bureau of Labor Statistics shows.) If you exclusively shopped at Old Navy and sister stores with your Old Navy Visa Card, you’d earn points worth about $93 toward future purchases.

In contrast, the Citi Double Cash Card, which pays up to 2% cash back, would give you a maximum of $37.32 back on those purchases. (Though you could use that cash anywhere.)

However, if you put $20,000 worth of other expenses on your credit card every year, you’d earn as much as $400 in rewards on those purchases with the Citi Double Cash Card and just $200 with the Old Navy Visa Card. Plus, you’d have to spend the $200 you got back with the Old Navy Visa on clothes or clothing accessories.


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How to Get the Most Out of The Old Navy Credit Card

Sams Credit Card

The Sam’s Club Credit Card, issued by Synchrony Bank, is a basic store credit card for Sam’s Club members with a less-than-stellar credit profile. The Sam’s Club Credit Card can only be used at Sam’s Club and Walmart stores and doesn’t offer any rewards on purchases, so it’s mainly for borrowers who aren’t likely to qualify for a better credit card that can be used more broadly. If your credit is just fair (if you have a FICO score of 580 to 669) and you shop at Sam’s Club and Walmart frequently, this card can be a worthwhile financing tool, albeit with a steep interest rate.

Big Lots Credit Card

The Big Lots Credit Card is a good choice for frequent Big Lots shoppers who want the flexibility to pay for their purchases over time. If you can handle the deferred-interest financing deals properly, you can save a lot of money and gain the flexibility around paying your credit card bill. Most people, however, will be better off with a cash-back card that works anywhere and earns rewards of some kind. Try the CardCruncher tool to find the right card for you.

Surge Mastercard Credit Card

The Surge Mastercard® is one of the easiest credit cards to get if you have bad credit, but the card's annual and monthly fees may reduce its appeal. If you're considering the Surge Mastercard® to build credit, here's what you need to know before you submit your application.

Menards BIG Credit Card

Menards has been one of the leading stores for home improvements for over five decades now. Many people rely on this store for their home improvement needs where they spend thousands of dollars. The Menards Big Card is designed to help all the Menards loyalists to get more rewards from making their purchases in the store and a few other selected gas stations. The card offers different types of rewards from cash back to in-store financing making it a very valuable tool especially if you tend to do a lot of home improvement.

Stein Mart Credit Card

The Stein Mart Platinum Mastercard® offers additional savings on items that fly off the rack at the discount retailer's store.The card, issued by Synchrony Bank, earns rewards at the retailer online and in-store and everywhere that Mastercard is accepted. It also offers perks such as exclusive savings events, birthday surprises and the chance to earn even more rewards with Elite status. The card's annual fee is $0.

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Old Navy Credit Card
The Old Navy credit card offers rewards and unique perks for shoppers who frequent Gap Inc. Brands. If you buy most of your family's clothes from Old Navy and its sister brands, the Old Navy credit card might be for you.
Old Navy Credit Card

How to Apply For The Old Navy Credit Card
OnlineYou can apply for an Old Navy credit card online in a few minutes. Once approved, you'll receive a discount code for your first purchase that can be used for online or in-store items. Follow these steps to complete an Old Navy credit card application from your PC or mobile device.Fill out

The Old Navy Credit Card Review
Details of prosNice rewards on store purchases: Earning 5 points per $1 on every purchase you make at Old Navy and its sister stores equates to a 5% discount on future store purchases. That’s as good or better than you’ll find on other store credit cards. 30% discount on your first Old Navy

the Rewards of The Old Navy Credit Card
RewardsGet 30% off on your first purchase upon approval. Terms apply.Earn 5 points for every $1 spent at Old Navy, Gap, Banana Republic and Athleta. Earn 1 point for every $1 spent everywhere else you use your card.Get $5 Rewards Card for every 500 points you earn.Earn 500 bonus Rewards points if yo

Who Is The Old Navy Credit Card Best For?
The Old Navy Visa Card is best suited for people who frequently shop at Old Navy and the other brands under the Gap umbrella (Gap, Banana Republic, Athleta, Hill City, and Gap-brand outlet and factory stores.)Sure, you can use the card anywhere Visa is accepted, but the real reward opportunities are

Old Navy Credit Card Payment
OnlineYou can access your Old Navy credit card account online or via the app using the Old Navy bill pay portal. You will be prompted to enter your Old Navy login using your username and password for the account. After signing in to your account with your Old Navy credit card login information, clic