Top perks
You get a few valuable benefits with an Old Navy Credit Card.
30% off your first purchase
When you're approved for an Old Navy Credit Card, you receive 30% off your first purchase. If you open the account online, you'll receive a discount code you can use that expires 14 days after account opening. If you open the account in store, the discount will be applied to the first purchase made in the store that same day.
Ideally, you should wait until you have a big purchase to make so that you can get the most out of this sizable sign-up offer. If, for example, you used your discount code for a $500 purchase, you'd save $150.
Up to 5 points per $1
The Navyist Rewards Credit Card and the Navyist Rewards Mastercard® both earn 5 points per $1 on purchases at Gap Inc. brands. That includes:
- Old Navy
- Gap
- Banana Republic
- Athleta
The Navyist Rewards Mastercard® also earns 1 point per $1 on other purchases. Since that's not a high rate, and it doesn't have any other bonus categories, it's not a great choice for earning rewards on your everyday spending. Even though you can use it for other purchases outside Old Navy, you're better off using other rewards credit cards.
Points are worth $0.01 each.
For every 100 points, you get a $1 reward redeemable across the Gap Inc. family of brands.
No annual fee
Store credit cards don't usually charge annual fees, and Old Navy Credit Cards are no exception. Whether you get the Navyist Rewards Credit Card or the Navyist Rewards Mastercard®, you won't need to pay anything to carry it. No annual fee credit cards are a smart way to go if you prefer to keep your bills to a minimum.
Automatic Enthusiast status
There are three levels to Old Navy's rewards program:
- Core: The starter tier for those with under $500 in annual brand spending (this includes your spending at all stores in the Gap Inc. family of brands).
- Enthusiast: Requires at least $500 in annual brand spending or being a cardmember.
- Icon: Requires at least $1,000 in annual brand spending or 5,000 points as a cardmember.
By getting an Old Navy Credit Card, you'll start in the Enthusiast level. This has a couple of extra perks, including early access to deals and a quarterly bonus of 250 points every quarter that you make a purchase with one of the Gap Inc. brands.