How To Make an Old Navy Credit Card Payment

By Cynthia Measom

May 11, 2022

Michael Vi / Shutterstock.com

With affordable prices and more than 1,000 stores across the United States, Old Navy is a favorite shopping destination. The company also has branded credit cards that offer generous rewards: the Old Navy Card and the Old Navy Visa Card. Both credit cards are managed by Synchrony Bank.

You can use both types of Old Navy credit cards in all Gap Inc. stores, including Gap, Banana Republic and Athleta. The Old Navy Visa credit card works anywhere that accepts Visa payments. Cardholders of either card earn points for purchases and can redeem those points for rewards that work like cash on future purchases. The cards have no annual fee and give cardholders early access to sales and exclusive offers.

To enjoy these perks, you need to keep your account current by paying the bill on time. There are plenty of ways to make an Old Navy credit card payment. Here’s everything you need to know.

How Can I Pay My Old Navy Credit Card?

Old Navy offers cardholders the option to make an online payment through the store’s online portal or the Old Navy credit card app. You can also make a payment on your Old Navy card or Old Navy Visa credit card by mail or by phone.

The company accepts checks, money orders, Western Union, Walmart Bill Pay and electronic transfers from banks.

Make an Old Navy Credit Card Payment Online

Before making your first online payment, register for online access. You’ll need to give your account number and ZIP code to start the process. After registering your account, here’s how to make a payment:

1. Go to the Old Navy cardholder account services login page and log in with your username and password.
2. Have your bank account number and the ABA routing number ready to pay your bill.
3. Click on “Make a Payment” from the “Payments” menu.
4. Follow the prompts to complete your payment.

In addition to being able to pay online, you can also check your account balance, add an authorized user or sign up for paperless statements.

Make a Payment Without Logging In to Your Old Navy Credit Card Account

You can also pay your bill as a guest if you don’t have your login information. Here’s how:

1. At the top of the Old Navy cardholder account services login page, click “Pay as Guest.”
2. Enter your full card number along with the last four numbers of your Social Security number and your billing ZIP code.
3. Follow the prompts on the screen to complete the payment using your bank account.

Make an Old Navy Credit Card Payment by Mail

To make an Old Navy credit card payment by mail, you need a check or money order. Mail the payment along with your account number to the following address:

For Old Navy store cards, mail to:

Synchrony Bank
P.O. Box 960061
Orlando, FL 32896-0061

For Old Navy Visa cards, mail to:

Synchrony Bank
P.O. Box 960013
Orlando, FL 32896-0013

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Make an Old Navy Credit Card Payment by Phone

Synchrony Bank also accepts Old Navy credit card payments by phone. Call 866-450-5295 and use the automated system to complete the payment or transfer to a live representative. A fee may apply when completing a payment via live assistance or requesting an expedited phone payment.

Make an Old Navy Credit Card Payment in the App

You can pay your Old Navy credit card account in the store’s mobile app. Download the Old Navy app from Google Play or the App Store. Go to the Wallet section to pay your bill.

Can You Make an Old Navy Credit Card Payment in the Store?

No, you cannot make in-store Old Navy credit card payments. Stores also do not provide envelopes and other assistance for making credit card payments.

What To Do If Your Old Navy Credit Card Payment Is Late

You can use any of the Old Navy bill pay options to make a late payment. Your payment due date is at least 23 days after the close of each billing cycle. To avoid paying a late payment fee, the minimum payment is due by 5 p.m. EST on the due date included on your statement. Payments received after 5 p.m. will not be credited until the next day.

A late fee of $29 will be charged if you have not had any late payments within the past six billing cycles, and a late fee of $40 will be charged if you have had a late payment within the past six billing cycles. The late fee will never exceed your minimum payment that was due, however.

This article has been updated with additional reporting since its original publication.

Information is accurate as of  May 11, 2022.

About the Author

Cynthia Measom

Cynthia Measom is a personal finance writer and editor with over 12 years of collective experience. Her articles have been featured in MSN, AOL, Yahoo Finance, INSIDER, Houston Chronicle, The Seattle Times and The Network Journal. She attended the University of Texas at Austin and earned a Bachelor of Arts degree in English.