All info comes from Old Navy , which is subject to change according to their updates. Terms and Conditions may apply.
This is one of the few credit cards that give you usable rewards on a regular basis, based on your spending. You do need to use the rewards money at Old Navy/Gap/Banana Republic though. 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. I've called for reductions and they flat out won't do it. Also, when you are using the rewards cash, they now make you pay WITH your credit card. They used to let you use a debit card or cash. Not any more.
Applying for this card in store was super easy, and it's a great card as long as you plan on paying off your balance each month. Otherwise, it's high interest rates and negates your in store savings (usually 15-30% each month). The rewards are great though, offering 5 points for every dollar spent. I highly recommend this card if you frequently shop at Old Navy, Gap and Banana Republic.