The Old Navy Credit Card is a store credit card considered the best card for earning points. Users can issue the Old Navy Credit Card by Synchrony Bank and use their earned points only on the purchases made on the brand products of the Gap family. The Gap family's products and services, including Gap Factory, Banana Republic, Old Navy, and Hill City, are only eligible to spend the earning points of this card.

Old Navy Credit Card has two variants means that there are two divisions of this card, and both are designed for different purposes. The first is an in-store credit card that you can only use at stores in a corporation with Gap. The other is a Visa card that you can use at all Visa-related places where your Visa can be accepted. If you are planning to issue a Visa, this Old Navy Credit Card variant is one of the best choices.

Old Navy Credit Card has a reward program through which users can get 5 points on every dollar they spend at the purchases of brands from Gap Inc. Users can redeem those earning points for spending as in-store credit. Moreover, if you earned 5,000 points or more with this card, your card will upgrade to the next level and call out as Navyist Credit Card. With the upgraded version, users can earn the point bonus offer, a chance to get alterations at the Banana Republic, and can make shipments with Old Navy Brands.