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Old Navy Credit Card Login | How To Apply, Make Payments

Old Navy Credit Card Login | How To Apply, Make Payments. In This Article, We will discuss old navy credit card customer service, old navy login, old navy synchrony, old navy bill pay, old navy credit card payment, old navy credit card apply, old navy credit card payment phone number.

Old Navy Credit Card

Have you ever wondered what’s an old navy credit card? You’re about to find out the specialties of an old credit card. Go through this article till the end and you’ll know all about it. Don’t forget to share with your friend’s thanks.

What is Old Navy Credit Card?

Synchrony Bank has issued the Old Navy Credit Card. However, is a store credit card that earns points.

Also, that can be used across the Gap family of brands. Old Navy, Gap, Banana Republic, Athleta, Hill City, Gap Factory, and Banana Republic Factory.

However, the card comes in two variants: An in-store credit card that can only be used at Gap Inc.

However, stores and a Visa card that can be used anywhere Visa is accepted.

Also, the card offers a rewards program in which card members. Also, to earn 5 points per dollar spent at Gap Inc brands, redeemable for in-store credit.

After earning 5,000 points, they will upgrade the card to the Navy credit card. In which offers free shipping at eligible Old Navy brands.

Also, a points bonus and free basic alterations at the Banana Republic.

Ultimately, the rewards earning potential of this card is limited by both a cap. Also, the rewards you can earn and the fact that rewards can only be redeemed.

Toward merchandise purchases at the Gap Inc. family of brands. Most people would be better served by a card. That earns flexible points or cashback rewards in several categories.

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Old Navy Credit Cards – How Does it Work?

Where else can you get a shirt you’d actually wear for $5. However, an entire outfit for less than $30? People love Old Navy for its stylish clothes at low prices.

Therefore, the store also has its own branded credit cards. Like most stores that have one, you’re likely to get the sales pitch for a card at the checkout. Should you say yes?

1. Not One Card-Two

Like most all store-branded credit cards. However, customers may be eligible for either an open-loop or closed-loop card.

Also, the Old Navy follows the industry standard, offering two similar but different cards. Open-loop cards work like other standard cards.

allowing you to make purchases anywhere the open-loop Visa brand is accepted.

However, the closed-loop, Old Navy store card is easier to get, but if your credit is exceptional. Also, you might qualify for the open-loop, Old Navy Visa card.

Both come with similar benefits. The open-loop Visa card, however, allows you to earn rewards at any place your Visa card is accepted. They only accepted the store card at Gap brand stores.

2. The Bank

Old Navy’s parent company didn’t offer the cards. Synchrony Financial (SYF) is the card issuer.

Synchrony Financial offers the cards through its Retail Card division. Which supports many private label credit cards was founded in 2003.

Also, It was previously owned by General Electric until 2015. When it separated to become its own publicly-traded company.

The company found itself in some legal hot water. However, prior to its separation because of questionable financial practices.

but settled the case with the Consumer Financial Protection Bureau .and the Department of Justice in June 2014.

However, it might help to know that the company turned itself in rather than hoping regulators wouldn’t find out. After working through the issues, they separated it.

3. The Card

Perhaps the greatest perk and appeal to the Old Navy card is its affiliation with the Gap brand. Since Old Navy is owned by Gap.

However, the Old Navy card can be used at all Gap-owned stores Gap. Banana Republic, Athleta, and Piperlime.

Gap and the Banana Republic also offer their own cards by Synchrony Financial in similar terms as well.

Customers receive a $5 reward for 500 points earned. After spending $100 at any Gap brick and mortar or online store.

This translates to five points earned. Also, for every $1 spent and $1 in rewards for every 100 points earned.

The customers can also accumulate points outside of Gap stores with the Old Navy Visa card. Old Navy Visa card customers receive one point for every $1 spent.

Once you earn 500 points, you receive a $5 reward for redemption at any Gap brand store.

When you sign up for the card, you get a 20% discount on your first purchase. You can also get promotional notices by providing your email.

Customers with the Old Navy card can plan on discounts for their birthday.

4. The Fine Print

The Old Navy card has no annual fee. The annual percentage rate (APR) is a pricey 27.49% for both the open-loop and closed-loop card.

This rate is also variable, so it can change with the prime rate. There is no special introductory rate like some cards offer.

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How to Apply for Old Navy Credit Card

Old Navy Credit Card

Applying for an Old Navy Credit Card is easy: you can do it via Old Navy’s website. During the sign-up process, you can also put your name down.

However, including your emails and paperless statements in order to get a bunch more points.

You could also currently get 20% off your purchase when you open a card account¹.

This is a credit card, of course, so your approval isn’t guaranteed. You’ll be asked to provide your social security number³.

Things to Know About the Old Navy Visa Credit Card

However, if you can’t get enough of having affordable basics in your wardrobe. then the Old Navy Visa® Credit Card may deserve a salute.

However, the Visa version and the store version of the card. both issued by Synchrony, are part of the family of branded cards from Gap Inc.

In addition, to Gap and Old Navy, that umbrella of clothing retailers. Also, they include the Banana Republic and Athleta.

The Old Navy Visa® Credit Card offers rewards and unique perks for loyalists of these brands.

But there are also some pitfalls to be aware of. Here’s what to know.


The Old Navy Credit Card earns rewards as in-store credit toward the purchase of merchandise. They can redeem rewards at any of the Gap Inc. brands. Gap Inc.

However, the brands include Old Navy, Gap, Banana Republic, Athleta, Hill City. Also, Gap Factory and Banana Republic Factory.

Earning Rewards

This card earns 5 points per dollar spent on purchases at Gap Inc. also, the family of brands, including Old Navy.

Including the Gap, Banana Republic, Athleta. Hill City, Gap Factory, and Banana Republic Factory.

In addition, the Visa variant of this card earns one point for every dollar spent at all other merchants.

Once you have earned 5,000 points, your account will be upgraded. to the Navy Credit Card, and you will earn a 20% bonus on your points earned each quarter.

Redeeming Rewards

Rewards will be automatically issued with each statement. In which you have accumulated 500 or more points.

However, your rewards are issued in increments of $5, with a maximum reward certificate value of $50.

As an example, if you earn 6,000 points in one statement cycle. You will receive one reward certificate for $50 and one for $10.

Also, you can redeem up to three rewards on a single item purchased in-store or via mail. And up to five rewards for an order placed online or via phone.

They issue each reward certificate with its own expiration date. They will issue only $250 in rewards on any billing cycle.

Any points that are not issued as rewards will roll over to the next billing cycle.

Rewards Potential

However, the Old Navy Credit card earns 5 points per dollar. Also, on a purchase spent at Old Navy and the Gap Inc.

Also, in the family of brands, most of the reward potential comes from spending at those stores.

Using data from various government agencies. In addition, the Forbes Advisor has developed estimates for how much a family is in the 70th percentile.

In which the income spends annually in various categories. The 70th percentile of wage-earning households brings in $100,172 annually and spends $2,377 at department stores.

For this calculation, we’ll assume that half of that is spent within the Gap Inc. family of brands.

For calculating reward potential. However, we assume you will earn a 20% discount on a $250 purchase.

Also, when opening the card and that you value discounts. on merchandise the same as you would a cashback reward.

Further, we assume you are only using this card. For clothing purchases, as there are many credit cards.

With no annual fee that earns more generous 1.5% or 2%. The cashback rewards on general purchases.

In the first year, the reward potential for this card is:

➣ $50 discount on your $250 purchase

➣ $55 in rewards for your first $1,000 in purchases at Gap brands

However, if you spent this much at Gap Inc. stores using the card, it would upgrade you to the Navyist credit card.

Also, the rewards earned in your second year of card membership would be $65. Note that you need to earn the 5,000 rewards.

However, for the Navy, within a calendar year. Meaning you effectively would have to spend over $1,000 annually at Gap Brands.

Old Navy Credit Card – Pros and Cons

However, there are upsides and downsides to the Old Navy Credit Card. and its benefits will ultimately depend on you and your own shopping habits.

But here’s our analysis of where it stands.

Pro Con
Points–earning, 5 points per dollar, You only get 5 points per dollar at Gap Inc. stores. 1 point per dollar, which you get with the Visa card, is low
Points–spending Convenient, if you often shop at Gap Inc. stores, Points are only redeemable with Gap Inc., which is more restrictive than what other credit cards offer
Fees and interest Zero annual fee High variable APR of 25.99%; no initial discount; Foreign transaction fee of 3%
Other perks Tempting options for loyal Gap Inc. customers. Zero fraud liability. Restricted to offers involving Gap Inc.
Upgrade options You can upgrade it to Navyist To get to Navyist, you’ll need to earn 5,000 points first


Old Navy Credit Card Payment

With affordable prices and over 1,000 stores across the United States. Also, the Old Navy is a favourite shopping destination.

However, the company has branded credit cards that offer generous rewards. Also, the Old Navy Card and the Old Navy Visa Card. Synchrony Bank manages both credit cards.

You can use both types of Old Navy credit cards in all Gap Inc. stores. including Gap, Banana Republic, and Athleta.

Also, The Old Navy Visa credit card works anywhere that accepts Visa payments. Cardholders of either card earn points for purchases.

However, they can redeem those points for rewards that work like cash on future purchases. The cards have no annual fee and give cardholders early access to sales and exclusive offers.

To enjoy these perks, you need to keep your account current by paying the bill on time. There are plenty of ways to make an Old Navy credit card payment. Here’s everything you need to know.

Ways to Pay Your 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.

1. Make an Old Navy Credit Card Payment Online

Before making your first online payment, register for online access. However, you’ll need to give your account number and ZIP code to start the process.

Also, registering your account, here’s how to make a payment:

Go to the Old Navy cardholder account services login page and log in with your username and password.

Also, have your bank account number and the ABA routing number ready to pay your bill.

Click on “Make a Payment” from the “Payments” menu.

Follow the prompts to complete your payment.

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

2. 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:

At the top of the Old Navy cardholder account services. login page, click “Pay as Guest.”

Also, enter your full card number along with the last four numbers. Also, put in your Social Security number and your billing ZIP code.

Follow the prompts on the screen to complete the payment using your bank account.

3. Make an Old Navy Credit Card Payment by Mail

Also, 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

4. 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.

Also, a fee may apply when completing payment via live help. However, you requesting an expedited phone payment.

5. Make an Old Navy Credit Card Payment in the App

However, you can pay for 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.

6. 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 help for making credit card payments.

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Old Navy Credit Card Login

Searching for How to do Old Navy Credit Card Login? So, you are in the right place. Here you will get all the methods to contact them.

However, the Old navy login information regarding the Old Navy Credit Card.

Also, the Old Navy is a favourite shopping destination with affordable prices. and over 1,000 stores across the United States.

However, the company also has branded credit cards that offer generous rewards. Also, the Old Navy Card and the Old Navy Visa Card. Synchrony Bank manages both credit cards.

The Old Navy Visa credit card works anywhere that accepts Visa payments. Also, you can use both types of Old Navy credit cards in all Gap Inc.

Stores, including Gap, Banana Republic, and Athleta. Cardholders of either card earn points for purchases and can redeem.

However, those points are for rewards that work like cash on future purchases. The cards have no annual fee and give cardholders early access to sales and exclusive offers.

There are plenty of ways to make an Old Navy credit card payment. To enjoy these perks, you need to keep your account current by Old Navy bill pay on time. Here’s everything you need to know.

How to Perform Old Navy Credit Card Login

‣ First, visit the website. CLICK HERE!!

‣ There you will get the Old Navy credit card Login option.

‣ Enter your User ID and Password.

‣ After that, click on SECURE LOGIN.

Old Navy Credit Card Online Registration

However, if you want to register your card, click on ‘register’. Then, on the next page, enter your Old Navy card number.

In case you cannot find it, you can find it at the back of your credit card. Hence you can copy it from there.

Along with your credit card number, also enter your ZIP code. Once you enter both credentials, you can click on ‘continue’.

You will soon be able to register your credit card.

Also, you can still visit any Old Navy store on a weekend. However, you’ll find a bounty of clothing bargains that can tempt.

Also, the most disciplined spender to stock up on attire. And Old Navy will finance those temptations.

Also, to enjoy a shopping spree without having to put a dent in your budget all at once. You can apply for an Old Navy credit card or an Old Navy Visa card.

However, to earn rewards for items you buy. And then redeem the rewards at any Gap Inc. brand store.

How to Register Online for an Old Navy Credit Card

You can apply for an Old Navy credit card online in a few minutes. Also, once approved, you’ll receive a discount code for your first purchase that can be used for online or in-store items.

Also, follow these steps to complete an Old Navy credit card. Application from your PC or mobile device:

Fill out the retail credit card application on the Synchrony Financial website. with basic personal information, including your Social Security number. And annual net income and click “Continue.”

‣ Confirm whether you want to receive electronic or paper statements. or add an allowed user to your account.

‣ Also, choosing paperless statements can earn you 500 extra rewards points.

‣ Review the terms and conditions and check “I Agree” if you want to continue with the application.

‣ Click the “Secure Submit” button to process your application.

Note that some credit applicants will receive an automatic decision after submitting, and some will not.

However, you can expect to receive a final decision regarding your application. by mail within seven to 10 days or email response within three to four days.

Apply in Person for an Old Navy Card

Apply for an Old Navy card in person with a cashier at your local Old Navy store using the steps below. Once approved, you’ll receive a discount on your first store purchase.

‣ Find your nearest store by checking the Old Navy store directory .or by contacting Old Navy customer service at 866-450-5294.

‣ Tell a cashier you want to apply for an Old Navy Card when you checkout. However, you’ll need your driver’s license or other identifying information.

Also, submit your credit card application electronically. And get an instant credit decision for either the Old Navy card or Visa.

Applicants who don’t qualify will get an explanation letter in the mail within seven to 10 days.

Is the Old Navy Credit Card a Good Deal?

The Old Navy credit card and Visa card both feature a variable 25.99% APR. which is relatively high for a retail card.

Also, you can use the Old Navy card at all Gap Inc. stores and earn five reward points for every dollar spent.

However, the Old Navy Visa earns the same type of store rewards. Plus, the Visa card allows you to make purchases outside of Gap Inc.

Stores and earn additional rewards of one point for every dollar spent. which helps rewards add up.

However, for people who enjoy shopping at Old Navy and other Gap Inc. stores. either card might be worth it to rack up rewards.

They only consider applying if you’re prepared to use your Old Navy login. Also, use other payment methods to pay your balance in full during the grace period each month.

Otherwise, the interest you will have to pay might wipe out any potential rewards.

Old Navy Credit Card Change Password

In case you have forgotten your Old Navy consumer credit card login password, do not worry. Click on ‘reset password.

Then enter your user ID and your ZIP code. Then click on ‘continue’. However, you will then soon be able to log in after completing this process. It is basically a three-step process.

Here’s how to change your password:

Log into your online account at,,, or

They will take you to a page that lets you change your password.

Once complete, you will receive an email letting you know your password has been changed

The Benefits of Opening a New Credit Card

Even if you already have a credit card, there are often many good reasons to open another. Though you might assume, opening a new credit card.

However, when your credit is already struggling is a bad idea. It can actually give you the boost you need to repair your score. Some of the best reasons to open a new credit card include:

1. You Can Merge Your Debt with Low-Interest Offers

To entice new customers, credit card issuers often offer special low- or no-interest introductory periods. However, if you qualify for an offer like this, it’s a great opportunity. To merge any other unsecured debt you’re carrying.

Especially if you hold debt on high-interest credit cards. The catch is that you must be able to pay off the initial balance before the introductory period expires.

Otherwise, you’ll pay interest.

2. You Can Use Different Cards for Different Purposes

Different credit cards have different terms and different perks. It pays to have a variety of cards so you can reserve certain cards for certain purposes.

Also, for example, one card might generate more rewards points. at gas stations while another offers three times the rewards at grocery stores.

You can use each card where it offers the biggest reward.

3. You’ll Diversify Your Available Credit

With only one or two lines of credit, most of your available credit. is concentrated with just one or two financial institutions.

However, this can be risky because of prospective lenders. It can only consult with one or two sources to check your creditworthiness.

For example, having only a car loan, mortgage, or another secured loan isn’t enough. Creditors like to see variety, and they expect to see some revolving unsecured credit; a new credit card is the perfect solution.

4. You Can Manage Your High-Interest Debt

Also, if you currently owe a lot of debt from high-interest lines of credit. it pays to transfer it to a card with a lower interest rate.

Even if the interest rate is lower, you stand to save considerable amounts of money. Be on the lookout for credit cards that let you transfer existing balances for little or no fee.

5. You’ll Improve Your Credit Utilization

How much of your available credit you use dramatically affects your credit score. We know this as total credit utilization, and you should aim to keep it at 30 percent or less.

You can only find one way to quickly improve it is by opening a new credit card. In doing so, you increase your overall credit limit.

Also, if you owed $1,000 and only had $1,500 in credit, for example, adding a card with a $1,000 limit would improve your overall utilization.

Also, the rate enormously just makes sure not to max out that new card.

Credit Cards for those with Bad Credit

As helpful as a new credit card can be, getting one when you have bad credit can be difficult. But it doesn’t have to be. There are options you can explore if your credit isn’t in great shape.

1. Secured Credit Cards

A cash deposit secure or back A secured credit card. Also, your available credit line is equal to the amount of your deposit.

However, in this way, the issue assumes a lot less risk. If you cannot pay your bill, they can use your deposit.

You can carry a balance on a secured credit card, and it will incur interest. But your balance can’t exceed your deposit. There’s no risk of getting in over your head.

However, you can typically need a deposit of at least $200. Also, to open a secured credit card, and annual fees usually apply.

Improve your credit with one by using it only a few times per month. And paying off your balance in full every time.

2. Subprime Credit Cards

People with bad credit are often steered toward secured credit cards, but they aren’t the only option.

There’s a vast market for credit cards designed for people with low or non-existent credit. Also, to qualify for one, you must pass a credit check.

You must absorb the costs that come with using subprime credit, which can be high.

However, the Interest rates of 30 percent or more are standard. And you’re also likely to face maintenance fees, processing fees, monthly servicing fees, and other charges.

3. Unsecured Credit Cards for Bad Credit

Also, those cards are marketed differently. But they’re very similar to subprime credit cards. They have high-interest rates and fees.

After establishing a history with a secured credit card, you can graduate to an unsecured one for people with bad credit.

Find the Right Card for Your Credit

As you can see, you aren’t out of luck if you need a credit card, but have bad credit. Whatever your credit situation may be, always shop around first.

Also, to compare and contrast different cards, including what they offer in terms of rewards programs, qualification requirements, interest rates, introductory offers and other characteristics, to arrive at a credit card that truly works for you.

And you can make this search process easy. Also, you can search online and see all of your options at once, in one simplified place.

However, instead of fretting over bad credit or spending hours. trying to find a solution, open a new credit card.

With the right research, you can find a credit card that will help you improve your score and it all starts with a search.

Like anything, it’s always a good idea to be aware of the latest research. We recommend comparing at least 3 or 4 options before making a final decision.

Also, doing a search online is typically the quickest, most thorough way to discover all the pros and cons you need to keep in mind.

Thank you for reading. I hope you now know how to get your old navy credit card. Don’t forget to share with your friend, family, and loved ones.

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