Where to sign in to your Old Navy credit card account
The Old Navy credit card is issued by Synchrony Bank, not by Old Navy itself. This means your online account lives on Synchrony's website, not on oldnavy.com. You reach it by going to mysynchrony.com and entering your username and password — the same login you use for any other Synchrony card you may hold.
If you have never signed in before, you will need to create an account first. On the Synchrony homepage, look for a link that says "Enroll Now" or "Create Login" — the exact wording changes, but it sits near the main sign-in box. You will need your card number and the last four digits of your Social Security number to set up your account.
Once you are signed in, you can view your balance, make payments, check your rewards balance, read statements, and update your contact information. The account also shows your credit limit and current interest rate.
Key Takeaways
- Your Old Navy credit card account is managed through mysynchrony.com, not through Old Navy's website.
- You must create a Synchrony login using your card number and the last four digits of your Social Security number before you can sign in for the first time.
- A single Synchrony login works for all Synchrony cards you own, so you only need one username and password.
- You can pay your bill, view rewards, and read statements once you are signed in.
What to do if you forgot your password
On the Synchrony sign-in page, select "Forgot Password?" below the login fields. Synchrony will ask you to enter your username or the email address associated with your account. You will then receive a password reset link by email within a few minutes.
Click the link in that email and create a new password. Synchrony requires passwords to be at least eight characters long and to include uppercase letters, lowercase letters, and numbers. Once you have set your new password, you can sign in when ready.
If you do not receive the reset email within 10 minutes, check your spam or junk folder — sometimes the email lands there by mistake. If it is not there either, you may have registered with a different email address than the one you are checking. Try signing in with a different email, or contact Synchrony customer service at the number on the back of your card.
Creating your account for the first time
Go to mysynchrony.com and select "Enroll Now" or the equivalent button for new users. Have your Old Navy credit card in front of you. Synchrony will ask for your card number, the expiration date, and the last four digits of your Social Security number. Enter these exactly as they appear on your card and your tax documents.
Next, you will create your username and password. Your username can be your email address or any text you choose — it does not have to match your name. Your password must contain at least eight characters, including at least one uppercase letter, one lowercase letter, and one number.
After you submit this information, Synchrony will send a verification code to the email address you provided. Check your email, enter that code on the Synchrony website, and your account will be active. You can then sign in and start using your account right away.
Paying your bill through your online account
Once you are signed in, select "Make a Payment" or "Pay Now" — the button location varies slightly depending on which version of the Synchrony website you see. You will see your current balance, your minimum payment due, and the due date.
You can pay in full, pay the minimum, or enter a custom amount. Synchrony lets you pay from a bank account (which usually posts within one business day) or by debit card (which may post the same day). Enter your bank routing number and account number, or your debit card details, and confirm the payment amount and date.
If you set up a payment for a future date, Synchrony will process it on that date as long as the information you provided is correct. You can also set up automatic payments so your bill is paid on the same day each month without you having to log in.
Understanding your rewards and statement details
The Old Navy credit card earns rewards on every purchase. The exact rewards rate depends on whether you are shopping at Old Navy, Gap, Banana Republic, or other stores in the Gap Inc. family, or shopping elsewhere. Once you are signed in, select "Rewards" or "My Rewards" to see your current balance and how many points you have earned this month.
Your statement shows every transaction, the date it posted, the amount, and the merchant. You can read statements as PDF files and keep them for your records. Statements are usually available within a few days of your billing cycle closing date.
Your account also displays your current interest rate (APR), your credit limit, and any promotional offers you may have received. If you have a 0% promotional period on purchases or balance transfers, the end date will be shown in your account.
What to do if you cannot sign in
If you enter your username and password correctly but the website says they are wrong, first make sure Caps Lock is off — passwords are case-sensitive. If that does not work, use the "Forgot Password?" link to reset your password, even if you remember the old one.
If you have never created a Synchrony account before, you may be trying to sign in instead of enroll. Look for "Enroll Now" or "Create Login" on the homepage and follow that path instead. You will need your card number and the last four digits of your Social Security number.
If the website is not loading at all, try a different web browser or clear your browser's cache and cookies, then try again. If you still cannot access your account after these steps, call the customer service number on the back of your Old Navy credit card. A representative can help you troubleshoot or reset your account over the phone.
Updating your contact information and security settings
Once you are signed in, you can update your mailing address, email address, and phone number without calling customer service. Select "Account Settings," "Profile," or "Personal Information" — the exact label depends on the current website layout. Make your changes and save them. Updates usually take effect within one business day.
You can also change your password, set up two-factor authentication (which sends a code to your phone when you sign in from a new device), and manage which notifications you receive by email or text. Two-factor authentication adds a layer of security and is worth turning on if you carry a balance or have a high credit limit.
Frequently Asked Questions
Is mysynchrony.com the same as oldnavy.com?
No. Old Navy's website is oldnavy.com, but your credit card account is on mysynchrony.com because Synchrony Bank issues the card. You cannot access your account through Old Navy's website.
Can I pay my Old Navy credit card bill at an Old Navy store?
Some Old Navy locations accept in-store payments, but this is not may provide at every store. The fastest and most reliable way to pay is through mysynchrony.com or by calling the number on the back of your card. In-store payments can take longer to post to your account.
What happens if I forget my username?
On the Synchrony sign-in page, select "Forgot Username?" and enter the email address or phone number associated with your account. Synchrony will send your username to that address. If you do not remember which email you used to enroll, call the number on your card.
Can I use the same Synchrony login for other store credit cards?
Yes, if you have other Synchrony-issued cards (such as cards from Amazon, Lowe's, or other retailers), they all use the same Synchrony login. You can see all your Synchrony accounts in one place once you sign in.
Is it safe to pay my bill online through Synchrony?
Synchrony uses encryption and security measures to protect your information. Your bank account or debit card details are not stored on the website after your payment is processed. If you are concerned about security, you can also pay by phone or mail, though online payment usually posts faster.