Pay Old Navy Credit Cards – Payment Online, Earning Rewards, Redeeming, Potential and more!

The Pay Old Navy Credit Cards allow customers to pay their bills online through the company’s website or a dedicated mobile app. Your Old Navy card or Old Navy Visa credit card payment options include mail and phone. Payment options for this business include bank wire transfers, electronic bank transfers, electronic checks, money orders, Western Union, and Walmart Bill Pay. Old Navy is a popular store because of its low costs and widespread presence across the United States.

The Old Navy Card and the Old Navy Visa Card are two of the company’s branded credit cards, providing attractive rewards programs. Synchrony Bank is the issuer and manager of both credit cards. Credit cards issued by Old Navy can be used at any Gap Inc.

Make An Pay Old Navy Credit Cards Payment Online:

Sign up for online access before making your first online payment. To get started, provide your account number and ZIP code. Here’s how to make a payment after setting up an account. Please enter your username and password to access your Old Navy cardholder account services. Ensure you have the ABA routing and bank account numbers handy when you pay your bill. Pick that option from the “Payments” submenu to send a payment. To make a payment, stick to the on-screen instructions.

What To Do If Your Pay Old Navy Credit Cards Payment Is Late:

If you’re late on your Old Navy bill, you can pay it using any available method. There must be at least 23 calendar days between the end of each billing cycle and your payment due date. To avoid a late payment fee, the minimum payment must be received before 5 pm ET on the due date shown on your account. After 5 pm, payments will be processed the following business day if you haven’t been late with a payment in the prior six billing cycles.

What Are Pay Old Navy Credit Cards:

Credit card points earned with the Old Navy Credit Card from Synchrony Bank are redeemable at any shop in Gap Inc. (Old Navy, Gap, Banana Republic, Athleta, Hill City, Gap Factory, and Banana Republic Factory). One version of the card can only be used in Gap Inc. stores, while the other can be used anywhere Visa is accepted (through Visa). Cardholders can receive 5 points for every $1 spent on Gap Inc. products, which can be redeemed for in-store credit if you use your card frequently.

Earning Rewards:

With this card, you can earn 5 points for every $1 you spend at any of the stores owned by Gap Inc., such as Pay Old Navy Credit Cards Gap, Banana Republic, Athleta, Hill City, Gap, and Banana Republic Factory. For every dollar spent elsewhere, the Visa version of this card receives one point. You will be elevated to the Navy Credit Card after getting 5,000 points, and from then on, you will receive a 20% boost on your point total every quarter.

Redeeming Rewards:

When you reach 500 points, rewards will be delivered with your next statement. Rewards are given in $5 increments, with a $50 maximum value per certificate. To illustrate, if you earn 6,000 points in a single statement cycle, you will receive two reward certificates, one for $50 and one for $10. In-store, mail-in, and phone orders allow up to three points toward purchasing a single item, while online and telephone orders can use up to five.

Rewards Potential:

Most of the reward potential for the Pay Old Navy Credit Cards comes from purchases made at Old Navy and the Gap Inc. family of brands, where 5 points are earned for every $1 spent. Forbes Advisor has estimated the annual spending in each category for a household in the 70th percentile of income based on data from many government sources. Spending at department shops accounts for 2.3% of the annual income of the 70th percentile wage-earning household ($100,172).

Other Card Benefits:

  • The card provides a few benefits to habitual Old Navy shoppers and collects points on purchases made across the Gap Inc. family of companies.
  • Special deals are available all year long
  • Get first dibs on hot items on sale.
  • After accumulating 5,000 points in a calendar year, you will be elevated to the Navy credit card and eligible for the following perks:
  • Old Navy, Gap, Banana Republic, and Athleta provide free 3-5 day shipping on all online orders.
  • The Banana Republic offers free basic modifications on all purchases. The Banana Republic offers complimentary hemming services on pants, skirts, and dresses.
  • Cardholders get access to a private, toll-free priority line for customer care.

Is The Card For You?

We don’t suggest the Pay Old Navy Credit Cards because of their limited benefits, which can only be redeemed for a discount on products from the Gap Inc. family of businesses. The rewards program might make sense if you regularly spend hundreds of dollars on apparel, but for most people, you’ll only end up with a $5 discount that you’ll either waste or use on something you wouldn’t have bought otherwise. Most consumers should look for a credit card that offers a flat 2% cashback to maximize their spending power.

Key Benefits:

  • Get special discounts and invitations to upcoming sales.
  • Spend $1 at Old Navy, Gap, Banana Republic, or Athleta, and get 5 points for future purchases.
  • Every 100 points you earn are worth $1 that may be used on any product in the Gap family of companies.
  • Your new Old Navy credit card will give you 30% off your first purchase.I
  • For further information, please visit the webpage.


You may get 5 points for every dollar spent at Pay Old Navy Credit Cards Gap, Banana Republic, Athleta, Hill City, Gap Factory, and Banana Republic Factory with the Old Navy Credit Card from Synchrony Bank. A Visa version of this card is also available from Synchrony; cardholders receive 1 point for every dollar spent that may be redeemed for products from Gap Inc. There is a maximum reward amount, and the benefits can only be used to buy products from Gap Inc.


What Bank Issues Pay Old Navy Credit Cards?

You can use your points at any Gap Inc. stovetop Inc. store if you have an Old Navy Credit Card from Synchrony Bank.

Is It Hard To Get Old Navy Credit Card?

To qualify for an Old Navy credit card, your FICO® Score needs to be 620 or higher. In most cases, a credit score of at least fair is required to be authorized for an Old Navy store.

Is Gap And Old Navy Credit Card The Same?

Your Old Navy card can be used at any Gap, Banana Republic, Athleta, or Piperlime store because Gap (GPS) owns Old Navy.