Pay your Old Navy card online, by phone, or by mail
You can pay your Old Navy Charge Card through the Old Navy website, by calling their customer service line, or by mailing a check. The fastest method is online through your account portal, where the payment posts within one business day. Phone and mail payments take longer — typically three to five business days — so use those only if you cannot access the website.
Old Navy's charge card is issued by Synchrony Bank, so your account lives on Synchrony's platform, not Old Navy's. This matters because it tells you where to log in and which customer service number to call. Knowing this upfront saves you time if you run into trouble.
Key Takeaways
- Online payment through Synchrony's website or mobile app is the fastest method and posts within one business day.
- You can pay by phone at 1-866-396-8254 (the Synchrony customer service number for Old Navy cardholders), but the payment takes three to five business days to post.
- Mail payments should be sent to the address on your statement, and you must allow at least five to seven business days for processing.
- Set up automatic payments through your Synchrony account to avoid missing a due date.
- Your minimum payment and due date appear on your monthly statement and in your online account.
Pay online through Synchrony
Go to Synchrony.com and sign in with your username and password. If you have not created an online account yet, select "Register" and follow the prompts — you will need your card number and Social Security number. Once logged in, look for "Make a Payment" or "Pay Now" in the account menu.
Enter the amount you want to pay. You can pay your full balance, your minimum payment, or any amount in between. Choose your payment method: bank account (ACH transfer) or debit card. Bank account transfers are free; debit card payments may carry a fee depending on Synchrony's current policy, so check before confirming. The payment posts within one business day.
You can also use the Synchrony mobile app, which has the same payment function. read it from the Apple App Store or Google Play, sign in with the same credentials, and tap "Make a Payment."
Pay by phone
Call Synchrony customer service at 1-866-396-8254. Have your card number and the amount you want to pay ready. A representative will confirm your identity, process the payment, and give you a confirmation number. Write down this number for your records.
Phone payments take three to five business days to post to your account. If your due date is within the next few days, do not rely on a phone payment — use the online method instead. If you are calling close to your due date and worried about a late fee, ask the representative whether they can note your account that payment is pending.
Pay by mail
Write a check or money order payable to Synchrony Bank. On the back of the check, write your Old Navy card number. Include a payment stub from your most recent statement if you have one — this helps the payment reach your account faster.
Mail your payment to the address printed on your statement under "Payment Address" or "Send Payment To." Do not mail to an Old Navy store or Old Navy's corporate office; the payment must go to Synchrony's processing center. Allow five to seven business days for the payment to post, longer if mail is delayed in your area.
Set up automatic payments
Log into your Synchrony account online and look for "Automatic Payments," "Recurring Payments," or "Autopay" in the account settings menu. Select the amount you want to pay automatically each month — you can choose your full balance, your minimum payment, or a fixed dollar amount. Choose the date the payment should come out each month, ideally a few days before your due date.
Automatic payments remove the risk of forgetting a due date and incurring a late fee. You can change or cancel the automatic payment at any time through your account, so set it up even if you think you might want to adjust it later.
What to do if you miss a payment
If your payment is late, a late fee will appear on your next statement. The amount depends on how far past due you are and your card's terms. More importantly, a late payment can lower your credit score and trigger a higher interest rate on future purchases.
If you realize you have missed a due date, log into your Synchrony account or call 1-866-396-8254 right away and make a payment. The sooner you pay, the less damage to your credit. If this is your first late payment, you can ask the representative whether they will waive the late fee as a courtesy, though they are not required to do so.
Understanding your statement and due date
Your monthly statement shows your current balance, minimum payment due, and due date. The due date is typically the same day each month — often the 15th or 25th, depending on when your account was opened. Your payment must reach Synchrony by 5 p.m. Eastern Time on the due date to avoid a late fee.
If your due date falls on a weekend or holiday, Synchrony moves it to the next business day. Check your statement each month to confirm the exact due date, because it can shift if your account has been adjusted or if you have made changes to your payment plan.
Frequently Asked Questions
How long does an online payment take to show up?
Online payments through Synchrony post within one business day. If you pay on a Friday evening, it will show by Monday. If you pay on a weekend, it will post on Monday. Always pay at least one business day before your due date to be safe.
Can I pay my Old Navy card at an Old Navy store?
No. Old Navy stores do not accept charge card payments in person. You must pay online, by phone, or by mail through Synchrony Bank. Attempting to pay at a store will not work and may cause confusion.
What if I pay more than my balance?
If you pay more than you owe, Synchrony will hold the overpayment as a credit on your account. You can use that credit toward future purchases, or you can request a refund by calling 1-866-396-8254. Refunds typically take five to seven business days to appear in your bank account.
Is there a fee to pay online?
No fee if you pay by bank account transfer (ACH). Debit card payments may carry a fee; Synchrony will show you the fee amount before you confirm the payment, so you can choose whether to proceed.
What if I cannot log into my Synchrony account?
Call 1-866-396-8254 and a representative can help you reset your password or troubleshoot login problems. Have your card number and Social Security number ready. You can also pay by phone while you work on restoring your online access.