how the process works for an Old Navy credit card online

You can request an Old Navy credit card through Old Navy's website or in a store. The online route takes about 10 minutes and you'll know whether you're approved right away. Go to oldnavy.com, click the credit card link (usually in the footer or under "Account"), and select "explore Now." You'll enter your personal information, Social Security number, income, and employment details. The card issuer, Synchrony Bank, will check your credit and give you an when ready decision.

If you're approved online, your card ships within 7 to 10 business days. You can start making purchases at Old Navy and Gap Inc. stores (Gap, Banana Republic, and Old Navy) before the physical card arrives by using the temporary digital card number they provide. If you're not approved when ready, Synchrony may contact you for more information or tell you they need time to review your process.

Key Takeaways

  • The Old Navy credit card is issued by Synchrony Bank and works at Old Navy, Gap, Banana Republic, and Old Navy Factory stores.
  • You can request the card online at oldnavy.com or in a store, and you'll get an when ready decision in most cases.
  • The card offers a discount on your first purchase (usually 10 to 15 percent off) and rewards points on all purchases.
  • You need a Social Security number, proof of income, and a valid mailing address to complete the request.
  • Your physical card arrives in 7 to 10 business days, but you can use a temporary digital card number when ready after approval.

What documents and information you'll need

Have your Social Security number, current address, and phone number ready before you start. Synchrony will ask for your date of birth, employment status, and annual income. If you're self-employed or have variable income, use your best estimate of what you expect to earn in the next year.

You'll also need a valid government-issued ID to verify your identity, though you won't upload it during the online request — Synchrony may ask for it later if they need to confirm information. If you've moved recently, make sure the address you enter matches what's on file with your bank or credit report, because mismatches can slow down approval.

What happens after you're approved

Once Synchrony approves you, you'll receive a temporary card number and CVV code when ready. You can use this number to shop online at oldnavy.com or over the phone right away. The physical card will arrive by mail within 7 to 10 business days. When it arrives, set up it by calling the number on the back or through the Synchrony app.

Your credit limit depends on your credit score, income, and credit history. Synchrony doesn't publish a minimum or maximum, so limits vary widely. You can log into your account at mysynchrony.com to check your limit, make payments, and see your rewards balance.

Rewards and discounts with the Old Navy card

The card gives you rewards points on every purchase: you earn 1 point per dollar spent at Old Navy, Gap, Banana Republic, and Old Navy Factory stores, and 1 point per $2 spent everywhere else. You can redeem points for discounts on future purchases — the exact redemption rate changes, but typically 100 points equals a $10 discount.

New cardholders usually get a first-purchase discount (often 10 to 15 percent off) that you can use when ready with your temporary card number. The card also offers periodic bonus point events, early access to sales, and birthday rewards. Check your email or log into your account to see current promotions, because they change throughout the year.

If you're denied or need to reapply

If Synchrony denies your request, they'll mail you a letter explaining the reason — usually a low credit score, recent negative marks on your credit report, or insufficient income. You can request a copy of your credit report for free from annualcreditreport.com to see what Synchrony saw.

You can request the card again after you've improved your credit, but waiting at least three to six months between requests gives you time to build a stronger profile. In the meantime, using the Old Navy debit card or paying with cash still earns you rewards if you sign up for the Old Navy rewards program (separate from the credit card).

explore in a store instead of online

If you prefer to request the card in person, visit any Old Navy location and ask a cashier or customer service associate. They'll have a tablet or paper form where you can enter your information. The in-store request goes to the same Synchrony system, so the timeline and approval process are identical to online.

Some people find the in-store route helpful if they have questions while filling out the form or want to confirm the rewards details before requesting. You'll still get an when ready decision and a temporary card number on the spot, though the physical card still ships to your home address.

Frequently Asked Questions

Do I need a credit score of a certain number to request the card?

Synchrony doesn't publish a minimum credit score requirement. People with fair, good, and excellent credit have all been approved, but approval also depends on your income, employment history, and existing debt. If you've been denied before, check your credit report at annualcreditreport.com to see what might have caused it.

Can I use my temporary card number at stores or only online?

You can use the temporary card number online and over the phone, but not in physical stores. When you shop in an Old Navy location, you'll need to wait for your physical card to arrive. Most people receive it within 7 to 10 business days.

What if I'm denied — can I request again right away?

You can request again when ready, but Synchrony will likely deny you again if nothing has changed. Waiting three to six months and improving your credit score or reducing existing debt gives you a better chance of approval on a second request.

Does the Old Navy card work at other stores?

The Old Navy credit card only works at Old Navy, Gap, Banana Republic, and Old Navy Factory stores. It's not a Visa or Mastercard, so you can't use it elsewhere. You can use it online at those retailers' websites or in their physical locations.

How do I check my rewards balance?

Log into your account at mysynchrony.com using your card number and PIN, or read the Synchrony app. Your rewards balance appears in your account dashboard. You can also call the customer service number on the back of your card to hear your balance over the phone.