Old Navy Credit Card – Know The Advantages

If you can never get enough affordable Old Navy apparel, the Old Navy Credit Card comes with solid perks. It is issued by Synchrony, and it offers bonuses for purchases at Gap, Old Navy, Athleta, and Banana Republic.

The Old Navy Credit Card has numerous advantages for loyalists. It is the perfect choice if you are looking for unique rewards and perks.

Read on to learn more about the advantages of the Old Navy credit card. Let’s get started!

The Old Navy Credit Card

Fees and Interest

The Old Navy Credit Card is a store card that can be used to pay for products at Old Navy, Gap, Banana Republic, and Athleta. It has an annual percentage rate of 22.74%, plus the prime rate. As a result, the APR can fluctuate according to the prime rate.

If you want to avoid this interest, all you need to do is make sure you cover your entire balance within 23 days after the billing cycle has closed. If you fail to do so, you will be charged interest, and the minimum amount is $2.

Furthermore, you will be charged up to $40 for late payments. There is no annual fee for this credit card, no foreign transaction fees, and no other charges. However, its use is restricted to the brands mentioned above.

How to Apply Old Navy Credit Card (old navy credit card apply)

The Old Navy Credit Card is issued by Synchrony Bank. In order to be approved, you must be at least 18 years old and have a valid US address.

You will also be required to hand in your taxpayer identification number, and you need to meet the credit history and income requirements.

Firstly, access the Old Navy website and fill in your personal information, including your SSN and income details. After you submit your application with the required data, you might or might not receive an immediate automatic decision.

If you do not receive an immediate reply, you can expect the final decision regarding your application within days. It takes 3-4 days to receive the answer via email or up to 10 days to be informed via mail.

If you are interested in other great credit cards that will save you money, take a look here.

How do I check my Old Navy Credit Card application status?

You cannot check your Old Navy Credit Card application status. You can, however, be instantly approved for it, whether you apply online or in stores.

If your application is not instantly approved, you’ll receive a decision from Synchrony Bank within 30 days.

Keep in mind, though, that applying for a credit card will most likely result in a hard pull on your credit report, lowering your score for a short period of time. So make sure you qualify for it!

Bank Contact Details

Synchrony is the issuer of the Old Navy Credit Card.

They are located at 777 Long Ridge Road, Stamford, Connecticut.

You can contact the bank via phone number at 877-295-2080 for old navy credit card balance.

old navy credit card phone number (old navy credit card customer service) : 866-450-5295

Or you can head to their website and fill in an online form with your inquiries.

Features, Advantages, and Benefits

In a nutshell, the old navy visa credit card is one of the best options for brand loyalists. The card offers 5 reward points for each dollar spent on products offered by the brand family and 1 reward point for each dollar spent on anything else.

The card has a sign-up bonus that provides an impressive 20% off of your first purchase with the card. Furthermore, you can also earn up to 1,000 reward points easily.

You get 500 points for opting for paperless billing and another 500 points when you register your email address.

For every 500 points you earn, you automatically receive $5. These points expire after 2 years if you are not active. The rewards are also capped at $250 per billing cycle.

The Old Navy Credit Card is great for anyone on a budget who loves Old Navy’s fashionable clothing. It offers exclusive discounts, there is no annual fee, and the sign-up bonus should not be missed. However, due to the high APR, it’s best not to hold any balance from one month to another.

If you earn 5,000 points in a whole year, you will be upgraded to the Navyist status, which comes with even more perks. You receive 20% quarterly bonus points, free shipping, and more.

Old Navy Credit Card

Old Navy Credit Card Login

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How Can I Pay My Old Navy Credit Card?

Old Navy offers cardholders the option to make an online payment through the store’s online portal or the Old Navy credit card app. You can also make a payment on your Old Navy card or Old Navy Visa credit card by mail or by phone.

The company accepts checks, money orders, Western Union, Walmart Bill Pay and electronic transfers from banks.

Make an Old Navy Credit Card Payment Online

Before making your first online payment, register for online access. You’ll need to give your account number and ZIP code to start the process. After registering your account, here’s how to make a payment:

  1. Go to the Old Navy cardholder account services login page and log in with your username and password.
  2. Have your bank account number and the ABA routing number ready to pay your bill.
  3. Click on “Make a Payment” from the “Payments” menu.
  4. Follow the prompts to complete your payment.

In addition to being able to pay online, you can also check your account balance, add an authorized user or sign up for paperless statements.

Make a Payment Without Logging In to Your Old Navy Credit Card Account

You can also pay your bill as a guest if you don’t have your login information. Here’s how:

  1. At the top of the Old Navy cardholder account services login page, click “Pay as Guest.”
  2. Enter your full card number along with the last four numbers of your Social Security number and your billing ZIP code.
  3. Follow the prompts on the screen to complete the payment using your bank account.

Make an Old Navy Credit Card Payment by Mail

To make an Old Navy credit card payment by mail, you need a check or money order. Mail the payment along with your account number to the following address:

For Old Navy store cards, mail to:

Synchrony Bank
P.O. Box 960061
Orlando, FL 32896-0061

For Old Navy Visa cards, mail to:

Synchrony Bank
P.O. Box 960013
Orlando, FL 32896-0013

Make an Old Navy Credit Card Payment by Phone

Synchrony Bank also accepts Old Navy credit card payments by phone. Call 866-450-5295 and use the automated system to complete the payment or transfer to a live representative. A fee may apply when completing a payment via live assistance or requesting an expedited phone payment.

Make an Old Navy Credit Card Payment in the App

You can pay your Old Navy credit card account in the store’s mobile app. Download the Old Navy app from Google Play or the App Store. Go to the Wallet section to pay your bill.

Can You Make an Old Navy Credit Card Payment in the Store?

No, you cannot make in-store Old Navy credit card payments. Stores also do not provide envelopes and other assistance for making credit card payments.

old navy credit card review

All in all, if you’re an Old Navy (or Gap Inc. family of brands) lover, you’re likely to benefit from this credit card if you can maintain a responsible payment strategy. This is especially true if you can achieve Navyist status.

Be sure to pay off your card on time every month to avoid the massive APR, and be sure to utilize your hard-earned rewards before they expire.

If you vary your clothes shopping among different stores outside the Gap Inc. family of brands, this likely isn’t the best card for you.

The Old Navy cards also aren’t for you if you don’t spend a lot on clothing and most of your expenses are geared more toward groceries, gas, dining, and travel.

Lastly, if you’re interested in working on your points and miles game, this card has no travel-based reward options. You’ll definitely want to look into other avenues to accrue these types of rewards.


The Old Navy Credit Card comes with great perks if you love Old Navy. Brand loyalists now have the option to save on their purchases and earn cash back, which can be used in any of the designated stores.

Furthermore, all other purchases come with a 1% earn rate, and there is no annual fee to worry about. In short, the Old Navy Credit Card is a great opportunity and an excellent store card!

Note: There are risks involved when applying for and using credit. Consult the bank’s terms and conditions page for more information.

Also see: Old Navy working hours for Holidays and regular days

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