What You Need to Know Before You Start

The Old Navy credit card is a store card issued by Synchrony Bank that you can use at Old Navy, Gap, Banana Republic, and other brands in the Gap Inc. family. You can open an account online, in-store, or by phone. The card offers discounts on your first purchase and rewards on future spending, but it only works at those specific retailers — not everywhere Visa or Mastercard are accepted.

The entire process takes about 10 to 15 minutes. You'll need your Social Security number, a valid ID, your current address, and information about your income and employment. Synchrony will check your credit report, and you'll get a decision right away in most cases. If you're approved, you can use the card when ready for online purchases, though the physical card arrives in the mail within 7 to 10 business days.

Key Takeaways

  • You can open an Old Navy credit card account online at oldnavy.com, in any Old Navy store, or by calling Synchrony directly at the number on the Old Navy website.
  • Synchrony will ask for your Social Security number, date of birth, income, and employment information to check your credit and make a decision.
  • Approval decisions come when ready in most cases, and you can use the card online right away even before the physical card arrives.
  • The card works only at Old Navy, Gap, Banana Republic, and other Gap Inc. brands — not at other retailers or online merchants.
  • New cardholders typically receive a discount on their first purchase, though the exact offer changes by season and promotion.

How to Open an Account Online

Go to oldnavy.com and look for the credit card link, usually in the footer or under "Customer Service." Click "Open an Account" or "explore Now." You'll be taken to Synchrony's process page. Fill in your full name, date of birth, Social Security number, and current address. Then enter your annual household income and current employment status.

Synchrony will pull your credit report and give you a decision on the spot. If you're approved, you'll see a confirmation number and your new card number. Write down the card number or take a screenshot — you can use it for online purchases at oldnavy.com when ready. The physical card will arrive in 7 to 10 business days. If you're denied or need more information, Synchrony will tell you why and what to do next.

How to Open an Account in a Store

Walk into any Old Navy location and ask a cashier or customer service associate about opening a credit card account. They'll hand you a tablet or paper process form. Fill in your name, address, Social Security number, date of birth, and income information. The associate will submit it to Synchrony right there in the store.

You'll get a decision within minutes. If you're approved, the associate will give you a temporary card number that works when ready for that day's purchase and online shopping. Your permanent card arrives by mail in 7 to 10 business days. If you're denied, ask the associate for the reason — Synchrony will also send you a letter in the mail explaining the decision.

How to Open an Account by Phone

Call the number listed on the Old Navy website under "Credit Card" or "Customer Service." A Synchrony representative will walk you through the process over the phone. Have your Social Security number, date of birth, current address, and income information ready. The call takes about 10 minutes.

The representative will submit your information and give you a decision right away. If you're approved, they'll read your card number to you and you can use it for online purchases when ready. Write the number down or ask them to email it to you. Your physical card will arrive in 7 to 10 business days. If you're denied, the representative will explain why and may offer to review your options.

What Happens After You're Approved

Once you receive your physical card in the mail, set up it by calling the number on the back or logging into your account at synchronybank.com. Set up online access so you can check your balance, make payments, and see your rewards. Your first statement will arrive 30 days after your account opens.

Pay your bill on time each month to build credit and avoid late fees. You can pay online, by phone, by mail, or in-store at Old Navy. Set up automatic payments if you want the balance paid in full each month. Keep track of your rewards — the card typically gives you points on every purchase that you can redeem for discounts on future shopping.

If Your process Is Denied

Synchrony will send you a letter in the mail explaining why your process was not approved. Common reasons include a low credit score, recent missed payments, too much existing debt, or insufficient income. The letter will also tell you how to contact Synchrony if you want to discuss the decision.

You can reapply after 30 to 90 days, depending on why you were denied. In the meantime, work on paying down existing balances and making all payments on time. You can also check your credit report for free at annualcreditreport.com to see if there are errors that hurt your score. If you find mistakes, dispute them with the credit bureau before you reapply.

Understanding the Card's Terms and Rewards

The Old Navy credit card charges interest on balances you don't pay in full each month. The interest rate (called the APR) varies based on your credit score and is listed in your approval paperwork and online account. You'll also pay a late fee if your payment arrives after the due date, though the first late fee is often waived.

The card offers rewards on every purchase — typically 1 point per dollar spent at Old Navy and Gap Inc. brands, and lower points at other retailers if you use it elsewhere. You can redeem points for discounts or statement credits. New cardholders often get a discount on their first purchase, such as 20% off or $15 off $50. Check your welcome offer in your approval email or account.

Frequently Asked Questions

Can I use the Old Navy credit card at other stores?

No. The Old Navy credit card works only at Old Navy, Gap, Banana Republic, Old Navy Factory, Gap Factory, and Banana Republic Factory stores, plus their websites. It does not work at other retailers, even if they accept Visa or Mastercard. If you need a card that works everywhere, you'll need a different credit card.

How long does it take to get approved?

You'll get a decision within minutes if you open an account online or by phone, or within a few minutes in-store. Your physical card arrives in 7 to 10 business days, but you can use your card number for online purchases right away after approval.

What if I don't have a Social Security number?

Synchrony requires a Social Security number to open a credit card account. If you don't have one, you cannot open an Old Navy credit card. You may be able to use a different payment method at Old Navy, such as a debit card or another credit card.

Can I pay my Old Navy credit card bill in the store?

Yes. You can make a payment at any Old Navy register. You can also pay online at synchronybank.com, by phone, or by mail. Online and phone payments usually post within one business day, while in-store payments may take longer.

What should I do if I'm denied?

Synchrony will mail you a letter explaining the reason. Common reasons include low credit score, recent missed payments, or high existing debt. You can reapply after 30 to 90 days. Check your credit report at annualcreditreport.com for errors and dispute any mistakes before you reapply.