If you sign up for their CC they will send you a "stuff and save" bag about twice a year. If you go to the store anything you can put in the bag you get 20% off of. If you shop online you get 20%off your whole purchase.
Now I'm cracking myself up. I have a pair of pants & sweater on from Old Navy today that cost about $50. They go great w/my Stewart Weitzman shoes & Furla bag. Not even gonna put how much those cost me on this forum. :+