Gift Cards at Old Navy: The Complete List of Brands, Fees & Where to Buy (2026)

If you're standing in an Old Navy aisle or staring at the checkout page wondering whether a gift card here is worth it, you're in the right place. Old Navy gift cards are a genuinely flexible pick, but the details around which brands they cover, what they cost, and how the loyalty points shake out are not always obvious. We've pulled the real specifics so you know exactly what you're handing over.

What Gift Card Brands Does Old Navy Sell?

Here's the short answer: Old Navy sells its own branded gift cards, and they're actually Gap Inc. cards in disguise. That's a good thing. Every Old Navy gift card, whether it's a physical plastic card or a digital eGift, is redeemable for merchandise at Old Navy, Gap, Gap Factory, Banana Republic, Banana Republic Factory, and Athleta. You can use it in stores and online across the USA, Puerto Rico, and Canada.

The cards are issued by Direct Consumer Services, LLC, which is the entity behind the whole Gap Inc. family of brands. So if you buy a card at Old Navy and the recipient would rather shop at Banana Republic or Athleta, they're covered. No conversions, no workarounds.

What Old Navy does not sell is third-party gift cards. There's no rack of Visa prepaid cards, no Amazon cards, no Starbucks or dining or entertainment cards, and no multi-brand gift card mall like you'd find at a grocery store or big-box retailer. We checked, and claims that Old Navy carries other brands only show up on low-credibility aggregator sites with nothing behind them. If you walk into an Old Navy expecting to grab a Netflix card alongside your jeans, you'll be disappointed.

If you're shopping for someone whose tastes run beyond apparel, our roundup of experience gift ideas under $50 covers a different angle entirely.

Denominations, Fees, and Purchase Limits

Old Navy gift cards come in a wide range of amounts. In stores, you can load any whole-dollar amount at the register. Online, you select from preset options or enter a custom amount, and the eGift portal through Cashstar offers similar flexibility. Common fixed denominations you'll see include $10, $25, $50, $100, $150, $200, $250, and $500. Most cards range from $5 to $500, though eGifts typically start at $10. The per-card maximum is generally $500, with higher or bulk amounts handled through corporate programs.

There are no fees on Old Navy gift cards. No activation fee, no dormancy fee, no service fee, and no expiration date. The terms state this plainly, and it's one of the cleaner gift card setups out there. You won't lose value just because the card sits in a drawer for a year.

A few things to keep in mind: you generally can't use a gift card to buy another gift card, and gift cards typically can't be purchased with promotional discounts or offers. Some terms also restrict gift card purchases from counting toward certain promotions. Online orders often cap redemptions at five eGift cards per order, so if you're combining balances, plan accordingly.

Additional value can usually be added to physical cards in stores at Gap Inc. locations, but eGifts often require buying a new card since you can't reload them the same way. If you're curious how much is left on a card after the recipient has spent some of it, the balance check process is straightforward and worth bookmarking. You can check any card balance through the JCPenney gift card balance page for a comparison, or go directly through Old Navy's own site or phone line.

Where to Buy Old Navy Gift Cards In-Store and Online

You can buy physical Old Navy gift cards at any Old Navy or Gap Inc. store. Just tell the cashier the amount you want and they'll load it at the register. Online, physical cards are available at oldnavy.gap.com and ship free, though they ship separately from other merchandise. Digital eGift cards are also sold through the same site, powered by Cashstar, and arrive by email immediately with options to customize the message and delivery date. That's the fastest route if you need something in the next five minutes.

You'll also find Old Navy gift cards through authorized third-party sellers like Amazon, Kroger, various grocery and supermarket racks, and occasionally Costco or Sam's Club multi-packs. Some egift platforms carry them too. These are still Old Navy and Gap Inc. cards, fully valid across the same family of brands. You're just buying them through a middleman, which sometimes means a lower cap on the denomination or a different selection of preset amounts.

Gift cards are generally non-returnable and non-refundable once purchased. Some older terms and Canada-specific policies allow unused cards to be returned for the original payment method with a receipt, but in the US this is less clearly documented and you should assume the purchase is final. If merchandise bought with a gift card is later returned, the refund typically goes onto a new gift card rather than back to your original payment method. Something to mention to the recipient if they're the type to change their mind.

If you're buying for someone who'd appreciate a more curated option, our list of cozy home and comfort gifts under $75 pairs well with an Old Navy card for a layered gift.

Encore Rewards and Gift Card Points

Old Navy is part of the Gap Inc. Encore membership program, which covers Old Navy, Gap, Banana Republic, and Athleta. It replaced the old Navyist branding. Joining is free, and there are three tiers: Core for anyone who signs up, Premier once you cross $350 in annual spend, and All-Access for Encore Credit Card and Mastercard holders.

Core and Premier members earn 5 points per dollar spent across the family of brands. All-Access cardmembers earn 25 points per dollar at family brands when using the card, plus higher rates on eligible other apparel purchases through the Mastercard version. Every 500 points converts to $1 in rewards, which you can redeem on merchandise or Encore Market experiences and products.

Here's the gift card wrinkle that trips people up. Points are not earned on the portion of any purchase paid with a gift card or store credit. And points cannot be redeemed for gift cards, taxes, or shipping. However, buying gift cards does earn points in specific cases. Core and Premier members earn 5 points per dollar on physical gift card purchases, whether in-store or online. All-Access cardmembers earn 25 points per dollar on physical cards and 5 points per dollar on eGift cards. Once the card is redeemed, no additional points are earned on that spending. Super Cash, Old Navy's periodic promo currency, is not earned on gift card purchases either.

If you're stacking rewards with a gift for someone who loves cozy picks, our cozy comfort gifts for her under $75 guide pairs naturally with an Old Navy card.

Frequently Asked Questions

Can I use an Old Navy gift card at Gap, Banana Republic, or Athleta?

Yes. Old Navy gift cards are Gap Inc. cards and work at Old Navy, Gap, Gap Factory, Banana Republic, Banana Republic Factory, and Athleta. You can use them in stores and online across the USA, Puerto Rico, and Canada. The card is branded Old Navy but redeemable across the whole family.

Does Old Navy charge any fees on gift cards?

No. There are no activation fees, dormancy fees, service fees, or inactivity fees. Old Navy gift cards also never expire. The value stays on the card until it's spent, and you can check the balance at any time through Old Navy's website or by calling 1-800-OLD-NAVY.

Can I buy a Visa, Amazon, or Starbucks gift card at Old Navy?

No. Old Navy does not sell third-party gift cards of any kind. There's no gift card mall or multi-brand rack. The only gift cards sold at Old Navy are Old Navy and Gap Inc. branded cards, which are redeemable at the family of brands. Claims otherwise come from unreliable sources.

Do I earn Encore points when I buy an Old Navy gift card?

It depends on your tier and the card type. Core and Premier members earn 5 points per dollar on physical gift card purchases. All-Access cardmembers earn 25 points per dollar on physical cards and 5 points per dollar on eGift cards. You do not earn points when redeeming a gift card.

Can I return an Old Navy gift card if I change my mind?

Gift cards are generally non-returnable and non-refundable once purchased. Some older and Canada-specific terms allow unused cards to be returned for the original payment method with a receipt, but US policy is less explicit and you should treat gift card purchases as final. If merchandise bought with a gift card is returned, the refund typically goes to a new gift card.