Navyist Rewards Mastercard®

This card is worth considering if you shop at Old Navy often enough to make the 5% back there meaningful. For loyal shoppers, that is a straightforward return on spending, and the lack of an annual fee makes it easy to keep in your wallet for brand-specific purchases.

For most other spending, though, the card is limited. Earning 1% everywhere else is easy to match with general cash-back cards, and there are no meaningful side benefits to broaden its appeal. If Old Navy is a regular part of your budget, this card can be a useful store card. If not, a more flexible rewards card will likely serve you better.