The Old Navy Credit Card is a store card that gives you rewards when you shop at Old Navy, Gap, Banana Republic, and Athleta
The Old Navy Credit Card is issued by Synchrony Bank and works only at Old Navy and its sister brands (Gap, Banana Republic, and Athleta). It is not a Visa or Mastercard, so you cannot use it anywhere else. The card offers discounts on purchases and a rewards program that lets you earn points toward future discounts.
You explore for the card in-store at Old Navy or online through the Old Navy website. The approval decision usually comes within minutes if you explore online. Once approved, you can use the card when ready for online purchases, or you receive a physical card in the mail within 7 to 10 business days for in-store shopping.
Key Takeaways
- The Old Navy Credit Card works only at Old Navy, Gap, Banana Republic, and Athleta — not at other retailers or online outside those stores.
- New cardholders typically receive an introductory discount (often 20% off) on their first purchase, though the exact offer changes throughout the year.
- The card earns rewards points on every dollar spent, which you can redeem for discounts on future purchases at the same stores.
- You need a Social Security number, a valid ID, and proof of income or employment to open an account.
- There is no annual fee, but the card charges interest on unpaid balances, and the interest rate varies based on your credit history.
How to Open an Old Navy Credit Card Account
You can open an account online at oldnavy.com or in any Old Navy store. To start the online process, go to the Old Navy website, find the credit card link (usually in the footer or under "Account"), and click "explore Now." You will be asked for your name, address, date of birth, Social Security number, and employment information.
The process takes about 5 to 10 minutes. Synchrony Bank reviews your information and gives you a decision right away in most cases. If approved, you can use your card number for online purchases when ready. If you need more time to decide, you can save your process and return to it later, though you will need to complete it within a set window.
In-store applications work the same way: a store associate can help you fill out the form on a tablet or computer, and you get a decision within minutes. If approved in-store, you can use the card that day for your purchase.
What Documents and Information You Need
Before you start an process, have these items ready: a valid government-issued ID (driver's license, passport, or state ID), your Social Security number, your current address, and information about your income or employment. If you are self-employed, you may need to provide recent tax returns or bank statements showing income.
Synchrony will also check your credit report, so the bank will look at your credit history and current debt. This is a "hard inquiry," which means it shows up on your credit report and can lower your credit score slightly for a few months. If you are denied, Synchrony will send you a letter explaining why within 30 days.
Rewards, Discounts, and Cardholder Benefits
The Old Navy Credit Card earns rewards points on every purchase. For every dollar you spend, you earn a set number of points (the exact rate varies and is shown in your cardholder agreement). You can redeem points for discounts at Old Navy, Gap, Banana Republic, or Athleta.
New cardholders usually receive an introductory offer on their first purchase — commonly 20% off, though this changes seasonally. You must use the offer within a certain timeframe (usually 30 days) or it expires. The card also gives you early access to sales and special promotions that are not available to non-cardholders.
Cardholders also receive birthday rewards (a discount during your birthday month) and periodic bonus point offers. These are sent to you by email or shown in your online account, so check your account regularly to see what is available.
Interest Rates, Fees, and Costs
The Old Navy Credit Card has no annual fee. However, if you carry a balance (do not pay the full amount due each month), you will be charged interest. The interest rate, called the APR (Annual Percentage Rate), depends on your credit score and credit history. Synchrony will tell you the APR when you are approved.
If you miss a payment or pay late, Synchrony charges a late fee and may raise your interest rate. Minimum payments are due by the date shown on your statement each month. If you only pay the minimum, interest will accrue on the remaining balance, and it will take much longer to pay off what you owe.
There are no foreign transaction fees because the card only works in the United States. There is also no cash advance option — you cannot use the card to withdraw cash from an ATM.
How to Use Your Account Online and Track Purchases
Once your account is open, you can log in to manage it at oldnavy.com or through the Old Navy mobile app. Create a username and password during your first login. From your account, you can view your balance, see your recent purchases, make payments, update your address, and check your rewards balance.
Payments can be made online, by phone, or by mail. To pay online, log into your account and select "Make a Payment." You can pay the full balance, the minimum payment, or any amount in between. Payments made online usually post within one business day. If you pay by phone, call the number on the back of your card.
You can also set up automatic payments so that a set amount is deducted from your bank account each month. This helps you avoid late payments. Your statement is available online and by mail, and you can choose to receive statements electronically only (which is faster and saves paper).
What Happens If You Close Your Account or Stop Using It
If you decide to close your Old Navy Credit Card, contact Synchrony Bank by phone (the number is on the back of your card) or through your online account. You must pay off any remaining balance before or at the time you close the account. Once closed, you cannot use the card, but your account history remains on your credit report for up to seven years.
If you straightforward stop using the card without closing it, Synchrony may close it for inactivity after a period of time (usually 12 months or more with no purchases). A closed account does not hurt your credit score, but closing a card you have had for a long time can slightly lower your score because it reduces your total available credit.
Any rewards points you have earned are usually forfeited when you close the account, so redeem them before you close if you want to use them.
Frequently Asked Questions
Can I use the Old Navy Credit Card at other stores?
No. The card works only at Old Navy, Gap, Banana Republic, and Athleta. It is not a Visa or Mastercard, so you cannot use it at other retailers, restaurants, or gas stations. If you need a card that works everywhere, you would need a different credit card.
What is the credit limit, and can I increase it?
Your credit limit is set when you are approved and depends on your credit score and income. Synchrony will tell you your limit in your approval letter. You can request a credit limit increase by logging into your account or calling Synchrony. Increases are not may provide and depend on your payment history and credit profile.
What happens if I miss a payment?
If you miss a payment, Synchrony charges a late fee (the amount is shown in your cardholder agreement) and reports the late payment to credit bureaus, which lowers your credit score. Your interest rate may also increase. If you miss a payment, contact Synchrony as soon as possible to bring your account current.
Can I transfer a balance from another credit card to the Old Navy card?
No. The Old Navy Credit Card does not offer balance transfers. It is a store card designed for purchases at Old Navy and its sister brands only. If you want to transfer a balance, you would need to open a different credit card that offers that feature.
How do I redeem my rewards points?
Log into your account online or in the app and look for the rewards section. You can see your point balance and available redemption options. Points are usually redeemed as discounts (for example, 100 points might equal $10 off), and the discount is applied to your next purchase at one of the four stores.