Old Navy

The Old Navy Card is built for frequent Gap Inc. shoppers who spend regularly at Old Navy and want simple store rewards without paying an annual fee. It works best as a specialist card for brand-loyal purchases, not as a primary card for everyday spending.

Annual Fee

Rec. Credit Score

Good

Good For

Frequent Old Navy shoppers

How to Apply Estimate your value

All information about Old Navy has been collected independently by MaxRewards. Old Navy is no longer available through MaxRewards.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Overview

Is the Old Navy worth it?

This card is great for...

Old Navy purchases

Gap brand households

No-fee store rewards

This card is worth it if you shop at Old Navy often enough that 5% back in rewards at the brand is meaningfully better than what you'd earn with a general cash-back card. For loyal shoppers, that return is straightforward, the annual fee is $0, and there is not much complexity to manage.

For most other spending, the value drops off quickly. Earning 1% outside the brand is easy to beat with a flat-rate cash-back card, and there are no listed side benefits to help this card do more than reward Gap Inc. purchases. If Old Navy is a regular part of your budget, it can make sense as a dedicated store card. If not, most readers will get more flexibility from a general-purpose rewards card.

MaxRewards Verdict

A sensible pick for shoppers who buy from Old Navy and related Gap brands often enough to lean on the 5% rewards rate. Outside that lane, it is a narrow card with little reason to stay in your wallet for everyday purchases.

Earning

Rewards

The rewards setup here is simple: strong earnings at Old Navy, standard earnings everywhere else. The key question is whether you spend enough with the brand to justify carrying a card that is mostly built for store purchases.

CategoryRate

Old Navy

Everywhere

Rewards percent based on a valuation of 1¢ per GAP point

Eligibility

Recommended Minimum Credit

Min: Good

Poor

Fair

Good

Excellent

Good credit or higher is recommended for this card.

Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.

Pricing