With all the credit cards out there, it can be hard to find one that provides both useful benefits and a reasonable APR. That’s why we’re giving you everything you need to know about one of our favorite card offers from Old Navy: the Old Navy Visa Credit Card . Keep reading below to discover how this card works and whether or not it’s a good option for your wallet.

What we love about the Old Navy Credit Card?

The APR on this card is low and it has no annual fee, which is hard to find in store cards like these. The rewards program also offers 5% off every time you shop and an additional 10% off if you pay with your Old Navy Credit Card. You can use your rewards to shop online or in store, and if you don’t want the rewards money added back to your card, you can request a check instead.

How Does it Work?

The Old Navy Card works like most other credit cards – swipe up, sign for your purchases…wait that sounds wrong. Anyway, you get the idea. The card is a Visa, so it’s accepted at most places that take credit cards. As far as rewards go, you’ll earn 5% back on all Old Navy and Gap Inc. purchases, including Athleta, Banana Republic, and Piperlime. You’ll also earn 1% back on all other purchases made with your Old Navy Visa card. There’s a minimum of $15 to redeem rewards and a maximum of $150 per day.

What it Costs?

The APR on the Old Navy Credit Card is 25.24%, which is higher than most store cards, but low overall for an APR as compared to other credit cards. The only other cost associated with the card is the fact that there’s no annual fee.

Who is it Good For?

This card is good for people who shop at Old Navy, Gap Inc. stores regularly and want to earn rewards on their purchases. The 5% back on Old Navy and Gap Inc. purchases is a great incentive, especially because there’s no annual fee. The card is also good for people with decent credit who want a low APR.

Who is it Not Good For?

This card might not be the best option for people who don’t shop at Old Navy or Gap Inc. stores often, as they would miss out on the 5% back rewards. The card might also be a bad option for people with poor credit, as the APR is high and there’s no 0% introductory APR.

In short, the Old Navy Credit Card is a good option for people who want to earn rewards on their Gap Inc. purchases and have decent credit. The card has no annual fee and a low APR, which makes it one of the best credit cards for people who want a value-oriented card. If you want to find out more information about the card, check out the Old Navy Credit Card website.