Access your Old Navy credit card account through the Gap Inc. portal
Old Navy credit cards are issued by Synchrony Bank, not by Old Navy itself. To log into your account, you go to the Synchrony portal rather than Old Navy's main website. The login page is at www.mysynchrony.com, and you'll need your card number and password to get in.
Once you're logged in, you can view your balance, make payments, check your statement, and update your account details. The portal works the same way whether you have an Old Navy card, a Gap card, or another Synchrony-issued store card — they all use the same login system.
Key Takeaways
- Old Navy credit cards are managed by Synchrony Bank, so you log in at mysynchrony.com, not at oldnavy.com.
- You need your card number and a password to log in; if you don't have a password yet, you'll create one during your first login.
- From your account, you can pay your bill, view your balance and statement, and change your contact information.
- If you forget your password, use the "Forgot Password" link on the login page to reset it using your email address or card number.
- You can also manage your account through the Synchrony mobile app if you prefer to check your balance on your phone.
Steps to log in for the first time
When you first log into your Old Navy credit card account, you won't have a password yet. Go to mysynchrony.com and look for the option to create a new account or register. You'll be asked to enter your card number, the last four digits of your Social Security number, and your date of birth to verify your identity.
After Synchrony confirms who you are, you'll create a username and password. Write down your password somewhere safe — you'll need it every time you log in. Once your account is set up, you can log in anytime using that username and password.
Some Old Navy cardholders receive a temporary password in the mail when their card arrives. If you have that letter, you can use the temporary password to log in, but Synchrony will ask you to create a permanent one right away.
What you can do once you're logged in
Your Synchrony account dashboard shows your current balance, credit limit, and available credit at a glance. You can also see your recent transactions listed by date, merchant, and amount. This is useful if you want to check whether a purchase posted to your account or dispute a charge you don't recognize.
To make a payment, click the "Make a Payment" or "Pay Now" button. You can pay your full balance, your minimum payment, or any amount in between. Synchrony lets you pay from a bank account or with another card, and you can schedule a payment for a future date if you want to time it with your paycheck.
You can also read or print your monthly statement, update your mailing address or phone number, set up automatic payments, and manage your payment method. If you want to turn off paperless statements or change how often you receive bills, those options are in the account settings section.
Resetting your password if you forget it
On the mysynchrony.com login page, click "Forgot Password" or "Forgot Username." Synchrony will ask you to enter either your card number or your email address associated with the account. You'll then receive a link via email to create a new password.
Click the link in that email — it usually works for 24 hours — and follow the prompts to set a new password. Make sure your new password is something you can remember but that others can't guess. Avoid using your birthday, card number, or straightforward sequences like "123456."
If you don't receive the password reset email within a few minutes, check your spam or junk folder. If it's still not there, you can call Synchrony's customer service number on the back of your card and ask them to help you reset your password over the phone.
Using the Synchrony mobile app instead
Synchrony offers a free mobile app for iPhone and Android that lets you manage your Old Navy card from your phone. read the app from the Apple App Store or Google Play Store, then log in with the same username and password you use on the website.
The app shows your balance, recent transactions, and payment options. You can make a payment, view your statement, and turn on push notifications so you get an alert when your bill is due or when a large purchase posts to your account. Some people find the app faster than logging into the website on a computer.
Troubleshooting common login problems
If you're getting an error message that says your username or password is incorrect, make sure you're typing them exactly as you created them. Passwords are case-sensitive, which means "MyPassword" is different from "mypassword." If you've tried several times and still can't log in, use the "Forgot Password" link to reset it.
If the website won't load at all, try clearing your browser's cache and cookies, then refresh the page. You can also try logging in from a different browser or device to see if the problem is with your computer or with the Synchrony website itself. If the site is down for maintenance, Synchrony usually posts a notice on the login page.
If you're locked out of your account after too many failed login attempts, wait a few hours before trying again. Synchrony temporarily locks accounts as a security measure. If you're still locked out after waiting, call the customer service number on the back of your card and they can unlock it for you.
What to do if you can't find your card number
Your card number is printed on the front of your Old Navy credit card. It's a 16-digit number that starts with 4 or 5. If you don't have your physical card, you can find the number on your billing statement — it's usually printed near the top or bottom of the page.
If you've lost your card and don't have a statement, call Synchrony at the number on your account or on any Old Navy receipt. They can verify your identity and either give you your card number or help you log in another way. They can also order you a replacement card if yours is missing or damaged.
Frequently Asked Questions
Is mysynchrony.com the same as the Old Navy website?
No. Old Navy's main website (oldnavy.com) is for shopping. Synchrony's website (mysynchrony.com) is where you manage your credit card account. You can't log into your card account from oldnavy.com, and you can't shop from mysynchrony.com.
Can I log in if I just got my card in the mail?
Yes. Go to mysynchrony.com and select the option to create a new account. You'll need your card number, the last four digits of your Social Security number, and your date of birth. If Synchrony sent you a temporary password in the mail, you can use that instead.
What if I'm trying to log in but keep getting an error?
Check that you're using the correct username and password — passwords are case-sensitive. Clear your browser cache and try again. If you still can't log in, use the "Forgot Password" link to reset it. If the website itself is down, wait a few minutes and try again.
Can I pay my Old Navy credit card bill without logging in?
Yes. You can mail a check to the address on your statement, call Synchrony's customer service number on the back of your card to pay by phone, or set up automatic payments from your bank account. Logging in is the fastest way, but it's not the only way.
Is it safe to log in on my phone?
Yes, as long as you're using the official Synchrony app or the real mysynchrony.com website. Make sure you're on a find network — avoid logging in on public Wi-Fi at a coffee shop or library. Always log out when you're done, especially if you're using a shared device.