Welcome Offer

10% off 60-day Welcome Shopping Pass.




Regular APR

27.49% Purchase APR

Annual Fee


Foreign transaction fees




Make an Old Navy Credit Card Payment Online

You can access your Old Navy credit card account online or via the app using the Old Navy bill pay portal.

By Phone

Call 866-450-5294

By mail Old Navy Payments – Synchrony Bank

485 Lake Mirror Road

Building 700, Department 72

Atlanta, GA 30349

Customer Service


Old Navy Credit Card

From good To exceptional ( Credit Recommended 670-850 )

Old Navy Credit Card

The Old Navy credit card offers rewards and unique perks for shoppers who frequent Gap Inc. Brands. If you buy most of your family's clothes from Old Navy and its sister brands, the Old Navy credit card might be for you.

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pros and cons

Pretty sweet welcome presents.

5% back at a quartet of retailers.

No annual fee.

Bad if you don’t pay in full.

Visa or store depends on your score.


Annual Fee


Purchase APR


Foreign Transaction Fee


Cash Back


Credit Score


Sams Credit Card

The Sam’s Club Credit Card, issued by Synchrony Bank, is a basic store credit card for Sam’s Club members with a less-than-stellar credit profile. The Sam’s Club Credit Card can only be used at Sam’s Club and Walmart stores and doesn’t offer any rewards on purchases, so it’s mainly for borrowers who aren’t likely to qualify for a better credit card that can be used more broadly. If your credit is just fair (if you have a FICO score of 580 to 669) and you shop at Sam’s Club and Walmart frequently, this card can be a worthwhile financing tool, albeit with a steep interest rate.

Big Lots Credit Card

The Big Lots Credit Card is a good choice for frequent Big Lots shoppers who want the flexibility to pay for their purchases over time. If you can handle the deferred-interest financing deals properly, you can save a lot of money and gain the flexibility around paying your credit card bill. Most people, however, will be better off with a cash-back card that works anywhere and earns rewards of some kind. Try the CardCruncher tool to find the right card for you.

Surge Mastercard Credit Card

The Surge Mastercard® is one of the easiest credit cards to get if you have bad credit, but the card's annual and monthly fees may reduce its appeal. If you're considering the Surge Mastercard® to build credit, here's what you need to know before you submit your application.

Menards BIG Credit Card

Menards has been one of the leading stores for home improvements for over five decades now. Many people rely on this store for their home improvement needs where they spend thousands of dollars. The Menards Big Card is designed to help all the Menards loyalists to get more rewards from making their purchases in the store and a few other selected gas stations. The card offers different types of rewards from cash back to in-store financing making it a very valuable tool especially if you tend to do a lot of home improvement.

Stein Mart Credit Card

The Stein Mart Platinum Mastercard® offers additional savings on items that fly off the rack at the discount retailer's store.The card, issued by Synchrony Bank, earns rewards at the retailer online and in-store and everywhere that Mastercard is accepted. It also offers perks such as exclusive savings events, birthday surprises and the chance to earn even more rewards with Elite status. The card's annual fee is $0.

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Related Credit Card/Article

OnlineYou can apply for an Old Navy credit card online in a few minutes. Once approved, you'll receive a discount code for your first purchase that can be used for online or in-store items. Follow these steps to complete an Old Navy credit card application from your PC or mobile device.Fill out
Details of prosNice rewards on store purchases: Earning 5 points per $1 on every purchase you make at Old Navy and its sister stores equates to a 5% discount on future store purchases. That’s as good or better than you’ll find on other store credit cards. 30% discount on your first Old Navy
RewardsGet 30% off on your first purchase upon approval. Terms apply.Earn 5 points for every $1 spent at Old Navy, Gap, Banana Republic and Athleta. Earn 1 point for every $1 spent everywhere else you use your card.Get $5 Rewards Card for every 500 points you earn.Earn 500 bonus Rewards points if yo
The Old Navy Visa Card is best suited for people who frequently shop at Old Navy and the other brands under the Gap umbrella (Gap, Banana Republic, Athleta, Hill City, and Gap-brand outlet and factory stores.)Sure, you can use the card anywhere Visa is accepted, but the real reward opportunities are
If you shop a lot at Old Navy and other Gap brands, this card can easily earn a spot in your wallet. Not only will you earn 5 points per $1 spent, but you’ll get access to inside information about sales, styles, and trends.If you shop frequently enough that you’ll earn 5,000 points each year, ta
OnlineYou can access your Old Navy credit card account online or via the app using the Old Navy bill pay portal. You will be prompted to enter your Old Navy login using your username and password for the account. After signing in to your account with your Old Navy credit card login information, clic