Best Credit Card for Old Navy in 2026
Old Navy is classified under MCC 5621 (Women’s Ready-to-Wear Stores). The best card for Old Navy purchases is the Active Cash (no annual fee), earning 2x on women’s ready-to-wear stores — an effective return of 2.00%.
Old Navy is a great place for fashion-conscious shoppers looking to earn rewards on their clothing and accessory purchases. Many travel and lifestyle credit cards offer enhanced cash back rates at department stores like Old Navy.
To maximize your rewards, consider using rotating category cards that often feature clothing stores like Old Navy as bonus earning categories.
Old Navy purchases are classified under MCC 5621 (Women’s Ready-to-Wear Stores).
MCC Details for Old Navy
Best Credit Cards for Old Navy (2026)
How Old Navy Codes on Your Statement
When you pay at Old Navy at their locations, your card issuer sees MCC 5621 in the transaction data. This code tells your bank that the purchase was made at a women’s ready-to-wear stores merchant. Bonus reward rates on your card apply based on this MCC — not the merchant name itself.
If your card earns bonus points on "women’s ready-to-wear stores" purchases, Old Navy transactions will qualify — even if your card terms only mention a category name and not Old Navy specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any Old Navy transaction by checking your card's mobile app or statement. Some issuers display the merchant category alongside the transaction details. For the most accurate information, contact your card issuer's customer service and ask whether MCC 5621 qualifies for bonus rewards.
Bonus Category Match — Old Navy
About MCC 5621: Women’s Ready-to-Wear Stores
Merchant Category Code 5621 is assigned by card networks (Visa, Mastercard, Amex, Discover) to classify businesses in the Women’s Ready-to-Wear Stores industry. Issuers use MCCs to determine which transactions qualify for bonus reward rates. When a merchant is assigned MCC 5621, all qualifying card programs that include women’s ready-to-wear stores as a bonus category will apply the elevated earn rate.
The Apparel industry group encompasses several related MCCs. Not all merchants in a similar business will share the same MCC — for example, a grocery store inside a warehouse club may code as wholesale ({"5300"}) rather than grocery ({"5411"}). Always verify with your issuer if you're unsure whether a specific merchant qualifies for bonus rewards on your card.
Other Women’s Ready-to-Wear Stores merchants: Abercrombie & Fitch, Adidas, American Eagle.
What You Could Earn at Old Navy
Spending $200/month at Old Navy with the Active Cash (2x on women’s ready-to-wear stores) earns approximately $48/year in rewards. A basic 1% card earns $24 on the same spending. That is $24 more per year with no annual fee.
Prefer no annual fee? The Signify Business Cash earns 2x at Old Navy merchants, earning $48/year with no annual fee.