Old Navy Credit Card Login: Bill Payment, Synchrony Bank Customer Service

Old Navy Credit Card-related information is available here. Now all customers who are looking forward to applying for the Old Navy Credit Card can find all benefits and details about this Card in this article.

How to log in and manage your online account? How an Old Navy Card customer can pay a Credit Card bill? The online application process including a step-by-step process will be available in this article. Please read this article completely to check all the latest updates.

New update: Gap Inc is moving its credit card program from Synchrony Bank to Barclays bank. All customers will get a brand new credit card from Barclays. Visit the Barclays Gap credit card page to know more about this announcement.

Old Navy GAP Inc

Old Navy is a part of the GAP Inc group of companies and sells fashion-related products through online stores and e-commerce websites. Started in 1969 with initial offerings of its most world-famous Jeans Brands Levi’s.

The first old Navy store was opened in 1994 and reached $1 billion in sales within just four years of duration. Now the company has several brands under GAP Inc including Gap, Old Navy, Banana Republic, and Athleta.

Oldnavy.com’s online e-commerce website was launched in 2000 and later redirected to the oldnavy.gap.com subdomain.

Synchrony Bank Old Navy Visa Credit Card

Now GAP Inc is operating many different brands and selling fashion products through its offline retail stores and online e-commerce websites. To make customers’ shopping experience better and provide them with more convenience Old Navy is offering a Credit Card to everyone who is eligible.

Old Navy has a partnership with Synchrony Bank and VISA company. Synchrony bank is the issuer of the Old Navy Visa Credit Card and determines the eligibility criteria for new applicants. If you want to apply for a new Old Navy Credit Card then you must fulfill the necessary eligibility criteria.

Currently, two types of cards are issued by Synchrony Bank on behalf of GAP Inc.

  • Old Navy Credit Card
  • Old Navy Visa Credit Card

In the past, customers were using different brand-specific reward memberships such as Gap Good Rewards, Banana Republic Rewards, Navyist Rewards, or Athleta Rewards. Now all rewards members will be a part of Navyist Rewards.

Note: Credit Cards and rewards programs are two different things. Old Navy Credit Card, Navyist, and Gap Inc. Visa Signature® Cardmembers will also be a part of Navyist Rewards.

You will be awarded different membership statuses based on the qualifying purchases at the Gap INC family of brands. Please see the below table for more information.

List of all Synchrony Bank credit card partners 2022

Membership StatusQualifying Purchases
CoreNo qualifying purchase required
EnthusiastFor non-credit cardmembers, the minimum Qualifying Purchases must be $500 to $999 at Gap Inc Family of Brands. If you have a Credit Card you will be automatically awarded the Enthusiast status.
IconAll Credit Cardmembers who completed minimum Qualifying Purchases of $1000 at Gap Inc brand stores or websites and earned 5000 points in a calendar will be upgraded to Icon Card member status.

Benefits of Old Navy Credit Card:

Some of the important benefits are mentioned below. Please have a look.

  • All Old Navy Customers will get an opportunity to earn 5 points on every $1 spent at Old Navy stores or other Gap Inc Brans stores and online websites and they can also redeem these rewards points at any Gap Inc brans store or website.
  • As an introductory offer, a 20% discount coupon will be shared with new Credit Card customers.
  • This card comes without any annual fees and customers will get the Zero fraud liability facility also.
  • Visa Cardmembers can also shop outside of Gap Inc brands and earn more rewards points. Outside purchases will be qualified for 1 point on each $1 spent. Visa Signature Cardholders will get 2 points on each $1 spent outside the GAP Inc brands.
  • NavyIst Card members will enjoy the free shipping through purchases at any brand and will earn 20% more bonus points of the total rewards points every quarter.
  • In addition, Cardmembers will get other promotional or event-based benefits from time to time.

How rewards points are calculated?

As there are a lot of opportunities to earn rewards points. you must have an exact idea of how much you will save through these rewards points. To simplify things we have shared the calculations below. Please have a look.

PointsTotal Rewards
100 points$1 discount or reward
1000 points$10 discount or reward
1200 points$12 discount or reward

You can redeem these rewards points while purchasing anything at Gap Inc brands and there is no limit on earning rewards points but you can redeem $250 rewards through one transaction. All points will be expired after 12 months for inactive accounts.

How to Manage Old Navy Credit Card Account?

All existing Credit Card members enjoy the special facilities available through the online account. Although you can use your Credit Card without using any online account.

If you open an online account and link your Credit Card then you will get the below-mentioned benefits.

  • Check your account summary and balance information.
  • Pay your Credit Card bill through the online portal.
  • Enroll in a Paperless statement and manage the preferences of your alerts.
  • Enjoy a convenient and easy way to manage your Credit Credit account where you can check your bill due date, current outstanding balance, and purchase history.
  • There are many other important services available through the online account such as enrolling yourself in an automatic payment facility and checking your rewards points balance.
  • Redeem your rewards points balance online through your account.

Old Navy Credit Card Login

To access all the features of your online account you must log in to the portal first. The login process is given below. Please have a look.

Step 1: Open the official website https://oldnavy.gap.com/ and click the Sign In link on the top right corner and again click the Join NavyIST Rewards link.

On the next page click the Manage your Navyist Rewards Credit Card link located below the Sign In form.

Step 2: You will see a login form on the next screen to manage your credit card. You may also visit this page through the direct link https://oldnavy.syf.com/login/.

old navy credit card login form

Step 3: Now in this login form enter your User ID and Password and click the Secure Login button.

If your login credentials are current you will be redirected to your account dashboard page where you can manage your Old Navy Credit account or complete your Bill Payment.

Note: The User Id and password for this account are different from your oldnavy.com account.

I have forgotten my User Id?

There may be instances when you will not be able to recall your User Id. In that case, you may retrieve your User Id online with an inbuilt facility available through the login page.

1-Open the login page and click the Forgot User ID link located below the login form.

2-You will see an online form to recover your User ID (as shown below).

old navy credit account find user id page

3-In this form, enter your Credit Card Account number and your IP code. After that click the Continue button. After that. finish the further process by following the instructions available on the next page.

What if I lost my account Password?

In case you lost your Credit account password as well which is very common for most people. To resolve this issue an online Password reset facility is also available on the same page.

You may recover your lost Password by following the below-given steps.

1-Open the Old Navy Credit account login page and click the I Forgot my Password link below the login form.

2-You will find a password reset online form on the next page (as shown below).

old navy credit account reset password form

3-In this Password reset utility enter your User ID and Zip code and click the Continue button. After that, you will receive an email including instructions to reset your password.

4-Now login into your email account and check the email. There must be a link to reset the old password and make a new password. Click this link and change your password.

Also check,

How to Pay Credit Card Bill?

Credit Card payment is very easy now with the launch of the online account portal where you can easily make payments through the different payment modes available.

The online payment process can be completed with the help of a few simple steps as mentioned below.

Step 1: Login into your account by using your login credentials at the official website.

Step 2: Search for the Payment option in your account dashboard.

Step 3: Under the Payment, page, click the Make Payment link. You will see an online form to make an online payment.

Step 4: Now enter all required details related to your payment, choose the payment mode, and complete the online payment process.

After the successful payment, you will receive your payment slip which you can save on your device for future reference. You must pay your card bill before 5 pm et to be credited on the same day.

Payment by phone: You may also pay your credit card bill by calling the customer service number. This service is chargeable and you will have to pay the required fee.

How to apply for a new Old Navy Credit Card?

Old Navy Credit Card offers a lot of benefits to its customers and there are even many exclusive facilities available for Visa Cardholders. If you want to be a part of the Old Navy Credit Card family then you can apply for this card.

There are two ways you can submit your Credit Card application.

  1. Offline application at Old Navy stores
  2. Online application through the official website.

i-Offline application:

You can visit any Old Navy store and submit an offline application to the concerned representative. You will have to submit other documents along with the Credit Card application form such as Identity Proof, Income documents, etc.

If you are approved for the Credit Card then you will be notified via email or text message.

ii-Online application:

The online application process is more convenient and a preferred choice of most of the new Cardmembers due to its very easy process.

The online application process can be completed with the help of the simple steps mentioned below.

Step 1: You may open the Credit Card online application form in two ways.

i- By visiting the official website https://oldnavy.gap.com/. There is a link to apply for a new Credit Card at the bottom of the homepage. If you click this link, you will be redirected to an online application form.

ii- By opening the Old navy Credit portal at https://oldnavy.syf.com. Click the Apply link located below the login form.

By using any method, You will see a Credit Card online application form (as shown below).

old navy credit card online application form

You will have to finish this application process in five steps.

  1. Start
  2. Apply
  3. Options
  4. Terms
  5. Results

Step 2: In this form enter the last four digits of your Social Security Number (SSN) and your Mobile number and click the Continue button.

You will have to verify your mobile number through a one-time password received on your mobile.

Step 3: You can also apply if you don’t have a mobile number. Just click the I don’t have a mobile phone number link located at the end of this application form.

Step 4: On the next page, you will see another online form (as shown below).

old navy credit card application form step 2

Fill out this form by providing all personal information, address, income details, etc, and click the Continue button.

Step 5: After that complete the next two parts which are Options and Terms. After that, you will be notified immediately if you are eligible for a Credit Card or not. After that, you can finally submit your application to Synchrony Bank.

After the approval and completion of all formalities, your Credit Card will be dispatched to you by Mail and will be delivered within 7 to 10 business days to your location.

Also check,

How to activate a new Credit Card?

Once you receive your Credit Card you will not be able to use it before the activation. An online activation facility is available to activate your new Credit Card. Just follow the below steps.

1-Open the official Old Navy website.

2-Move down the homepage and click the Activate Credit Card link located at the bottom of the page.

3-An online Card activation form will appear on a new page (as shown below).

old navy credit card activation form

4-In this online activation utility enter your Credit Card number (located on the front side), Security Code (located on the backside), and the Last four digits of your SSN.

5-Now click the Activate My Card link and your Card will be instantly activated and ready for the transactions.

How to register your Credit Card with an online account?

If you got an Old Navy Credit Card through the offline application process and you are using it also at stores but you don’t have any online account then you can create your online account and register your Credit Card with your account.

After registering you will be entitled to receive exclusive online account benefits.

Please follow the below-mentioned Card Registration process:

1-Open the official Login page.

2-Click the Register link located below the login form. You will see a registration page.

old navy synchrony credit card registration page

3-Enter your account number and Zip code in this form and click the Continue link. After that complete the rest of the formalities to create your online account. You will have to make a User ID and Password also to access your online account.

Fee and charges

Please check the below-mentioned fees and charges for different GAP Inc credit cards.

RatesOld Navy credit cardOld Navy Visa Card
APR for purchases22.74%22.74%
Annual fee$0$0
APR for cash advancesN/A23.74%
Minimum interest charge$2$2
Cash advance feeN/A$10 or 5% of the amount of cash advance, whichever is greater
Foreign transaction feeN/A3% of each transaction
Late payment penalty$29 if there is no penalty in the last six billing cycles otherwise $40$29 if there is no penalty in the last six billing cycles otherwise $40

Customer Service Phone Number

Enjoy fast and 24/7 customers service and ask for any type of help by calling 866-450-5294, or 866-450-5295 (for Icon Cardmember). Customers can also get their account information through the Customer Service Phone Number and can activate a new card also.

In case you lost your Credit Card or it has been stolen then immediately contact Customer Service and inform that about that.

Customers must check regularly if there are any unauthorized transactions are going on through their Credit Card. If it is the case then also inform Customer Care at the above-mentioned Phone number.

Important links:

Old Navy official websiteClick here
Old navy website login pageClick here
Old navy credit card login page Click here
Find credit account user id pageClick here
Credit account password reset page Click here
Credit account registration pageClick here
Apply online for Old Navy Credit CardClick here


Name of credit cardGap credit card, Gap visa card
Credit card issuerSynchrony bank
Credit card networkVisa
Required credit scoreOld navy store card: Fair credit score
Old navy visa card: Good credit score
Official websiteoldnavy.gap.com

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