I've had my Old Navy credit card for a few years now. I just realized in the past couple years how much free money coupons you can earn to spend at Old Navy. You get points for shopping anywhere and extra points for shopping at Old Navy. In addition to this they offer promotions constantly to earn extra points. One month they will have get 2X or 3X points on gas or groceries. They will have set points you can earn for paying your bills online with your Old Navy Visa. I get so many certificates that I can buy most of what my kids need for school for free. Plus, Old Navy has great clearance deals. I take my rewards and shop the clearance section which has a lot of nice things and come home with tons of stuff. Customer Service I have never had a problem with customer service but everything goes so smoothly I have never had to contact them. With some rewards cards I have I am constantly calling to fix points or get credit where credit is due. Old Navy seems to always be on top of things.