Make payments and manage your
Old Navy Credit Card account
Get in on the squad!
Enjoy 30% Off
Your First Purchase
when you open an Old Navy Credit Card*
Enjoy 30% Off Your First Purchase
when you open an
Old Navy Credit Card*
*Details below.
Shop & Earn
Earn 5 Points for
Every Dollar Spent
in-store or online at Gap Inc. brands with
your Old Navy Credit Card*
Earn 5 Points
for Every
Dollar Spent
in-store or online at
Gap Inc. brands with
your Old Navy Credit Card*
Rack up the Rewards
Earn points when you make a purchase using your Old Navy Credit
Card at Gap Inc. brands, in-store and online. Then, redeem your
Rewards at any Gap Inc. brand.*
Earn points when you make a purchase using
your Old Navy Credit Card at Gap Inc. brands,
in-store and online. Then, redeem your Rewards
at any Gap Inc. brand.*
Earn points when you use your Old Navy Credit Card
at Gap Inc. brands, in-store and online. Then, redeem
your Rewards at any Gap Inc. brand.*
Earn points when you use your Old Navy Credit
Card at Gap Inc. brands, in-store and online.
Then, redeem your Rewards at any
Gap Inc. brand.*
Say hello to
your cardmember benefits*
Old Navy
Credit Card New member starts here Old Navy
Credit Card New member starts here |
Navyist
Credit Card Earn 5,000 pts to upgrade Navyist
Credit Card Earn 5,000 pts to upgrade |
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5 points for every $1 spent at Gap Inc. brands |
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$5 Reward for every 500 points earned |
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Redeem Rewards at any Gap Inc. brand |
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Exclusive offers throughout the year |
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Early access to popular sales |
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No annual fee |
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Zero fraud liability |
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Free 3-5 day shipping on any online order from Old Navy, Gap, Banana Republic and Athleta with code NAVYIST |
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20% bonus points each quarter |
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Free basic alterations on Banana Republic purchases |
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Private toll-free priority line: 866-450-5295 |
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| Gap Inc. Visa® Cardmember-Only Benefits | ||
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1 point for every $1 spent outside Gap Inc. brands |
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Visa cardmember-only offers and promotions |
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Want to earn points faster?
Frequently Asked
Questions
How do I earn points with the card?
Cardmembers earn 5 points for every $1 spent at our family of brands, in-store and online. In addition, Gap Inc. Visa Card purchases will earn 1 point for every $1 spent outside of our brands, everywhere Visa Credit Cards are accepted.
How do I earn Rewards with the card?
For every 500 points earned, cardmembers will receive $5 in Rewards redeemable in-store or online.
Where and how can I redeem Rewards?
You can redeem your Rewards at the following brands: Old Navy, Gap, Gap Factory, Banana Republic, Banana Republic Factory, Hill City and Athleta in the U.S., (including Puerto Rico) and Canada.
Can I use the card outside the U.S.?
Customers who have a Gap Inc. Visa Credit Card can use the card anywhere Visa Credit Cards are accepted. In Canada, non-Visa Credit Cards can be used in some of the Gap Inc. family of brand stores.
When and how will I know if my application has been approved?
Whether you apply in-store or online, you will get a response right away. If an instant approval is not granted, you will receive a letter from Synchrony Bank within 30 days regarding your application. Customers can be approved for a credit card accepted at the Gap Inc. family of brands or a Gap Inc. Visa Credit Card that can also be used anywhere else Visa Credit Cards are accepted.
When will I receive the card?
Customers who are approved will be sent their new card via U.S. Mail within 7–10 days from the date they are approved.
Will I be able use the card right away?
Customers who are approved in-store will receive a Temporary Shopping Pass, which includes their name, account number, date of issue, APR, and temporary credit limit. A valid driver’s license or government-issued ID must be presented each time a Temporary Shopping Pass is used to make a purchase. Customers who are approved online will also be provided with a temporary account number, which can be used online and in-store along with valid driver’s license or government-issued ID.
Where can I use the card?
You can use your card at any Gap Inc. store, or online, including Old Navy, Gap, Gap Factory store, Banana Republic, Banana Republic Factory store, Hill City or Athleta. Unfortunately, Intermix, Janie and Jack, and Weddington Way stores do not accept private label credit cards at this time. If you are approved for a Gap Inc. Visa Credit Card, it can also be used anywhere in the world where Visa Credit Cards are accepted.
Frequently Asked
Questions
How do I activate my card?
Gap Inc. Credit Cards are issued by Synchrony Bank. You can activate your card with Synchrony Bank online, or by calling: Old Navy Credit Card: 866-450-8389; Navyist Credit Card: 866-450-8393.
Where can I get information about my account?
Old Navy Credit Cards are serviced by Synchrony Bank. To find information on your account, you can create an online Synchrony account, or by calling Old Navy Credit Card: 866-450-5295.
What should I do if my card is lost or stolen?
Cardmembers may report lost or stolen Gap Inc. Credit Cards 24 hours a day, seven days a week to Synchrony Cardmember Customer Service. To report your card lost or stolen call 866-450-5295. Please review your account for any purchases you did not make and report them to the customer service department when you call. Synchrony Bank will close your account and issue you a new account number and card for your protection.
Can I purchase a gift card online with my Gap Inc. Credit Card?
Yes, gift cards are available for purchase online with both Gap Inc. Credit Cards and Gap Inc. Visa Credit Cards.
How do I pay my credit card bill?
You can make a payment by mail, over the phone, or online. Unfortunately, stores cannot accept Gap Inc. Credit Card payments or provide envelopes for mailing payment.
Can I pay my credit card bill in store?
Unfortunately, stores cannot accept Gap Inc. Credit Card payments or provide return address envelopes. There are various ways a customer can make a payment: by mail, over the phone, or online. When paying by phone, it's free to pay through the automated system; however, there may be a fee to pay with a live agent.
Where can I find my account details online?
To get information on your account including payments made, outstanding bills, and more, you can create an online Synchrony account. To view your points balance, Rewards earned, and your annual progress toward Navyist status, you can also add your card by logging in above.
Where and how can I redeem my Rewards?
You can redeem your Rewards at the following brands: Old Navy, Gap, Gap Factory, Banana Republic, Banana Republic Factory, Hill City and Athleta in the U.S., (including Puerto Rico) and Canada.
Where can I find my Rewards balance?
Your Rewards are included on your monthly statement. You can also view and access your Rewards from your online Synchrony account, and/or by logging in above.
Where can I get copies of my Rewards certificates?
You will receive copies of Rewards certificates with your monthly statements; you can also view and access your Rewards in your online Synchrony account, or by logging in above. You can also log in above to sign up to receive your Rewards via text.
Can I use my Rewards to pay my bill?
Rewards cannot be used to make payments toward your account. Rewards can only be used toward purchases of merchandise made in-store or online at Old Navy, Gap, Gap Factory store, Banana Republic, Banana Republic Factory store, Hill City or Athleta in the U.S. (including Puerto Rico) and Canada.
How do I add an authorized user to my account?
An authorized user is a person who has been approved by the primary cardmember to use the same Gap Inc. Credit Card account. There are a few ways to make an authorized user request, including by phone or online. Synchrony Customer Service will mail individual cards to the primary cardmember with the authorized user’s name on the front of the card. Note that minors may be authorized users. However, authorized users are not joint applicants and are not financially responsible for account activity. The primary cardmember’s monthly billing statement will include any activity made by authorized users. Purchases by primary cardmember and authorized users are not separated on the billing statement.
How can I request a credit limit increase?
You can request a credit limit increase from Synchrony Bank through your online account or by calling Old Navy Credit Card: 866-450-5295.
Interested in getting an
Old Navy Credit Card?
How do I earn points with the card?
Cardmembers earn 5 points for every $1 spent at our family of brands, in-store and online. In addition, Gap Inc. Visa Card purchases will earn 1 point for every $1 spent outside of our brands, everywhere Visa Credit Cards are accepted.
How do I earn Rewards with the card?
For every 500 points earned, cardmembers will receive $5 in Rewards redeemable in-store or online.
Where and how can I redeem Rewards?
You can redeem your Rewards at the following brands: Old Navy, Gap, Gap Factory, Banana Republic, Banana Republic Factory, Hill City and Athleta in the U.S., (including Puerto Rico) and Canada.
Can I use the card outside the U.S.?
Customers who have a Gap Inc. Visa Credit Card can use the card anywhere Visa Credit Cards are accepted. In Canada, non-Visa Credit Cards can be used in some of the Gap Inc. family of brand stores.
When and how will I know if my application has been approved?
Whether you apply in-store or online, you will get a response right away. If an instant approval is not granted, you will receive a letter from Synchrony Bank within 30 days regarding your application. Customers can be approved for a credit card accepted at the Gap Inc. family of brands or a Gap Inc. Visa Credit Card that can also be used anywhere else Visa Credit Cards are accepted.
When will I receive the card?
Customers who are approved will be sent their new card via U.S. Mail within 7–10 days from the date they are approved.
Will I be able use the card right away?
Customers who are approved in-store will receive a Temporary Shopping Pass, which includes their name, account number, date of issue, APR, and temporary credit limit. A valid driver’s license or government-issued ID must be presented each time a Temporary Shopping Pass is used to make a purchase. Customers who are approved online will also be provided with a temporary account number, which can be used online and in-store along with valid driver’s license or government-issued ID.
Where can I use the card?
You can use your card at any Gap Inc. store, or online, including Old Navy, Gap, Gap Factory store, Banana Republic, Banana Republic Factory store, Hill City or Athleta. Unfortunately, Intermix, Janie and Jack, and Weddington Way stores do not accept private label credit cards at this time. If you are approved for a Gap Inc. Visa Credit Card, it can also be used anywhere in the world where Visa Credit Cards are accepted.
Already have an Old Navy Credit Card?
How do I activate my card?
Gap Inc. Credit Cards are issued by Synchrony Bank. You can activate your card with Synchrony Bank online, or by calling: Old Navy Credit Card: 866-450-8389; Navyist Credit Card: 866-450-8393.
Where can I get information about my account?
Old Navy Credit Cards are serviced by Synchrony Bank. To find information on your account, you can create an online Synchrony account, or by calling Old Navy Credit Card: 866-450-5295.
What should I do if my card is lost or stolen?
Cardmembers may report lost or stolen Gap Inc. Credit Cards 24 hours a day, seven days a week to Synchrony Cardmember Customer Service. To report your card lost or stolen call 866-450-5295. Please review your account for any purchases you did not make and report them to the customer service department when you call. Synchrony Bank will close your account and issue you a new account number and card for your protection.
Can I purchase a gift card online with my Gap Inc. Credit Card?
Yes, gift cards are available for purchase online with both Gap Inc. Credit Cards and Gap Inc. Visa Credit Cards.
How do I pay my credit card bill?
You can make a payment by mail, over the phone, or online. Unfortunately, stores cannot accept Gap Inc. Credit Card payments or provide envelopes for mailing payment.
Can I pay my credit card bill in store?
Unfortunately, stores cannot accept Gap Inc. Credit Card payments or provide return address envelopes. There are various ways a customer can make a payment: by mail, over the phone, or online. When paying by phone, it's free to pay through the automated system; however, there may be a fee to pay with a live agent.
Where can I find my account details online?
To get information on your account including payments made, outstanding bills, and more, you can create an online Synchrony account. To view your points balance, Rewards earned, and your annual progress toward Navyist status, you can also add your card by logging in above.
Where and how can I redeem my Rewards?
You can redeem your Rewards at the following brands: Old Navy, Gap, Gap Factory, Banana Republic, Banana Republic Factory, Hill City and Athleta in the U.S., (including Puerto Rico) and Canada.
Where can I find my Rewards balance?
Your Rewards are included on your monthly statement. You can also view and access your Rewards from your online Synchrony account, and/or by logging in above.
Where can I get copies of my Rewards certificates?
You will receive copies of Rewards certificates with your monthly statements; you can also view and access your Rewards in your online Synchrony account, or by logging in above. You can also log in above to sign up to receive your Rewards via text.
Can I use my Rewards to pay my bill?
Rewards cannot be used to make payments toward your account. Rewards can only be used toward purchases of merchandise made in-store or online at Old Navy, Gap, Gap Factory store, Banana Republic, Banana Republic Factory store, Hill City or Athleta in the U.S. (including Puerto Rico) and Canada.
How do I add an authorized user to my account?
An authorized user is a person who has been approved by the primary cardmember to use the same Gap Inc. Credit Card account. There are a few ways to make an authorized user request, including by phone or online. Synchrony Customer Service will mail individual cards to the primary cardmember with the authorized user’s name on the front of the card. Note that minors may be authorized users. However, authorized users are not joint applicants and are not financially responsible for account activity. The primary cardmember’s monthly billing statement will include any activity made by authorized users. Purchases by primary cardmember and authorized users are not separated on the billing statement.
How can I request a credit limit increase?
You can request a credit limit increase from Synchrony Bank through your online account or by calling Old Navy Credit Card: 866-450-5295.
Save 30% on Your
First Purchase
when you open an Old Navy Credit Card*
Save 30% on Your
First Purchase
when you open an Old Navy
Credit Card*
*Details below.
*Gap Inc. credit card disclaimers:
Eligible to earn 500 points when you sign up for brand emails in which you haven't been previously enrolled. Can only earn 500 points, regardless of number of brands selected.
Cardmember offers are subject to credit approval and a Gap Inc. credit card must be used as sole payment type to redeem. Gap Inc. credit card Rewards Program Terms and Conditions (including details on earning and redeeming points and Rewards, and details on benefits like birthday gift, and quarterly bonus points and free 3-5 day shipping and free basic alternations at Banana Republic for Gap Silver, Banana Republic Luxe, and Navyist by Old Navy cardmembers, etc.) are found here.
REWARDS: 3X Points: Subject to credit approval. A Gap Inc. Credit Card must be used as sole payment type. Valid for qualifying purchases from 06/09/20 at 12:00 am PT through 06/16/20 at 11:59 pm PT in Old Navy, Banana Republic, Banana Republic Factory, Gap, Gap Factory, Athleta stores and online in the U.S. (including Puerto Rico) only. Qualifying purchases earn 15 points per net dollar spent. No adjustments to previous purchases. Account must remain open, in good standing, and not become delinquent. Points will post to Account within two billing cycles of offer end date. See your Reward Program Terms for details on earning and redeeming points and rewards.
ACCOUNT OPENING DISCOUNT: Subject to credit approval. Your new Gap Inc. credit card must be used as sole payment type. Open a new Old Navy Card or Old Navy Visa Credit Card Account online 5/30/20 at 12:00 am PT through 8/1/20 at 11:59 pm PT to receive a 30% off discount code valid for one time use online at OldNavy.com in the U.S. (including Puerto Rico) only. Not valid in stores, at other Gap Inc. brands, or in our Clearance Center. Code expires on 8/1/20 at 11:59 pm PT. Excludes face masks, packaging, shipping, gift cards, and taxes. Only one account opening discount per Account. Discount can be combined with only one other offer in a single transaction, except offer cannot be combined with employee discount. To redeem, enter code at checkout. Discount value will be equally spread across all eligible items in the transaction. Not responsible for lost or stolen codes. No adjustments to previous purchases. A different account opening offer may be available in-store.
AUTHORIZED USER: The Primary Cardholder will be liable for all purchases made on the Account, including those made by an authorized user.
ZERO FRAUD LIABILITY FOR UNAUTHORIZED USE: Unauthorized use does not include charges by a person to whom you have given authority to use your account or card, and you will be liable for all use by such person.
NO ANNUAL FEE: For new accounts: As of 04/01/2020, Variable Purchase APR is 25.99%. The APR will vary with the market based on the Prime Rate. Minimum interest charge for the Gap Inc. Visa Credit Card and for the Gap Inc. Credit Card is $2.00.
OTHER: Upgrade benefits such as free shipping or alterations at BR etc. See Reward Program Terms for details.
CONNECT WITH EMAIL & EBILL: Subject to credit approval. Upon new sign-up for marketing emails Cardmember will receive a one-time single issuance of 500 bonus points. Upon new sign-up for eBill Cardmember will receive a one-time single issuance of 500 bonus points. Requires submission of valid Account number and email address. Account must remain open, in good standing, and not become delinquent. Points will post to Account within two billing cycles of sign-up date. Only one award per Account. Every 500 points is converted into a $5 reward. Reward value not redeemable for cash. See Reward Program Terms for details on earning and redeeming points and rewards.
Gap Inc. Visa Credit Cards are issued by Synchrony Bank pursuant to a license from Visa U.S.A. Inc."
*Gap Inc. credit card disclaimers:
Eligible to earn 500 points when you sign up for brand emails in which you haven't been previously enrolled. Can only earn 500 points, regardless of number of brands selected.
Cardmember offers are subject to credit approval and a Gap Inc. credit card must be used as sole payment type to redeem. Gap Inc. credit card Rewards Program Terms and Conditions (including details on earning and redeeming points and Rewards, and details on benefits like birthday gift, and quarterly bonus points and free 3-5 day shipping and free basic alternations at Banana Republic for Gap Silver, Banana Republic Luxe, and Navyist by Old Navy cardmembers, etc.) are found here.
REWARDS: See your Reward Program Terms for details on earning and redeeming points and rewards.
AUTHORIZED USER: The Primary Cardholder will be liable for all purchases made on the Account, including those made by an authorized user.
ZERO FRAUD LIABILITY FOR UNAUTHORIZED USE: Unauthorized use does not include charges by a person to whom you have given authority to use your account or card, and you will be liable for all use by such person.
NO ANNUAL FEE: For new accounts: As of 04/01/2020, Variable Purchase APR is 25.99%. The APR will vary with the market based on the Prime Rate. Minimum interest charge for the Gap Inc. Visa Credit Card and for the Gap Inc. Credit Card is $2.00.
OTHER: Upgrade benefits such as free shipping or alterations at BR etc. See Reward Program Terms for details.
CONNECT WITH EMAIL & EBILL: Subject to credit approval. Upon new sign-up for marketing emails Cardmember will receive a one-time single issuance of 500 bonus points. Upon new sign-up for eBill Cardmember will receive a one-time single issuance of 500 bonus points. Requires submission of valid Account number and email address. Account must remain open, in good standing, and not become delinquent. Points will post to Account within two billing cycles of sign-up date. Only one award per Account. Every 500 points is converted into a $5 reward. Reward value not redeemable for cash. See Reward Program Terms for details on earning and redeeming points and rewards.
Gap Inc. Visa Credit Cards are issued by Synchrony Bank pursuant to a license from Visa U.S.A. Inc."
Old Navy Credit Card
Enjoy a variety of exciting benefits when you have an Old Navy credit card. Our Old Navy credit cards customers save money, earn rewards points and more. We offer credit card customers inside information about sales, hot new trends and designer styles. You can manage your Old Navy credit card accounts, enjoy the savings and spot the rewards right online at our website. Click on OldNavy.com to visit our website and get all the information and details pertaining to Old Navy credit cards and sign up for yours today.
