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So, if you don't shop there enough, it's not worth it.The variable rate is what makes this card only 3 stars - it's typically 24.99% despite credit rating.

With that being said, we advise against performing a cash advance if you can help it, as such transactions are very expensive with credit cards.I also like that there's a rather low maximum limit for the late fee, as I'm sure we all have had a late payment from time to time.The 23 day grace period is also a great plus for this offer.To reach Old Navy Navyist status, you have to earn 5,000 reward points per calendar year, which you can do by shopping at Old Navy, Gap, Banana Republic and Athleta.Paying with an Old Navy credit card can also help you meet this goal faster.

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But closing your account could hurt your credit score:

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