$20 Credit to Old Navy for $10 at Groupon

Need to do some last minute gift shopping?   Groupon has a $20 Credit to Old Navy for $10.  See the screenshot below for this deal that has 3-days left to take advantage of:

The Groupon is valid from 12/22 – 1/28/2012 at US Old Navy Stores (sorry Canada).  You have to make a $20 minimum purchase at Old Navy and then you can use this Groupon that you purchased for $10, so essentially it’s a way to get 50% off.  The $10 value you pay for never expires so you can’t “lose” money on this deal.  You can also use Shop Discover or Chase Ultimate Rewards to get 15% Cash Back on any Groupon purchase, which would mean you end up paying $8.50 for a $20 purchase at Old Navy.