Who Issues the Old Navy Credit Card

The Old Navy Credit Card, now called Navyist Rewards, is issued by Barclays. While the card carries Old Navy branding, all financial operations including credit decisions, billing, payments, and customer service are handled by Barclays.

Barclays became the issuer of the Old Navy, Gap, Banana Republic, and Athleta family of cards in 2022, moving the roughly ten million cardholder portfolio away from its previous issuer, Synchrony Bank. The store only card can be used at Old Navy, while the Mastercard version can be used anywhere Mastercard is accepted. Apply at oldnavy.barclaysus.com or in any Old Navy store.

Old Navy is a clothing retailer owned by Gap Inc, headquartered in San Francisco, California. Gap Inc moved its entire family of store cards, including Old Navy, Gap, Banana Republic, and Athleta, to Barclays as part of a companywide credit card program overhaul.

Who Issues the Old Navy Credit Card?

Barclays is the issuing bank for the Old Navy Credit Card, now branded as Navyist Rewards. Gap Inc announced the move to Barclays in 2022, ending a partnership of more than two decades with its previous issuer, Synchrony Bank.

This means when you apply for an Old Navy card, Barclays runs the credit check, makes the approval decision, sets your credit limit, and manages all ongoing account activities. If you have a question about your balance, a payment, or a charge, you contact Barclays, not Old Navy. The switch was confirmed in a joint Gap Inc investor announcement.

You can log in to manage your Old Navy card account through the Barclays hosted portal linked from the Old Navy website. The phone number on the back of the card connects you directly to Barclays customer service for Old Navy cardholders.

What Are the Old Navy Credit Card Options?

Old Navy offers the Navyist Rewards Credit Card as a store only card usable exclusively at Old Navy, along with a Navyist Rewards Mastercard that can be used anywhere Mastercard is accepted.

The same Barclays program also issues matching cards for sibling Gap Inc brands, including Gap Good Rewards, Banana Republic Rewards, and the Athleta Rewards Mastercard, all operating under a similar structure.

Neither the store card nor the Mastercard version charges an annual fee. Both earn points toward rewards redeemable across the Gap Inc family of stores.

What Rewards Does the Old Navy Card Offer?

Navyist Rewards cardholders earn points on purchases at Old Navy, with bonus point events and a welcome discount commonly offered to new cardholders on their first purchase.

Mastercard version holders also earn points on purchases made anywhere else Mastercard is accepted, giving them a way to build rewards even when not shopping at Old Navy directly.

Old Navy Card Vs Sam’s Club Card: How Do They Compare?

The Old Navy card is a single retailer focused rewards card, similar in structure to the Sam’s Club Credit Card, though the two are issued by entirely different banks, Barclays and Synchrony respectively.

Both offer a store only version and a broader network branded version, giving cardholders a choice between narrower store specific benefits and wider everyday usability.

Shoppers loyal to Old Navy and its sibling Gap Inc brands will find more value in the Navyist Rewards program than a general purpose card, since points redeem specifically across that retail family.

Barclays has grown into one of the largest co branded card issuers in the United States, and it marked twenty years as a leading co branded issuer at the end of 2024, adding the Gap Inc family as one of its newer major partnerships.

What Credit Score Do You Need for the Old Navy Card?

The Old Navy Credit Card is designed for applicants with fair credit. A score in the low to mid six hundreds is often enough for approval, making it accessible to a wide range of applicants, though Barclays evaluates the full credit profile rather than score alone.

Applying triggers a hard inquiry on your credit report, which may temporarily lower your score by a few points. Checking for a prequalification option before applying can give you a sense of your approval odds without a hard pull.

Frequently Asked Questions

Is the Old Navy Credit Card still issued by Synchrony Bank?

No. Barclays became the issuer of the Old Navy card in 2022, taking over from Synchrony Bank, which had issued Gap Inc family cards for more than twenty years prior to the switch.

Can the Old Navy Credit Card be used anywhere?

The store only Navyist Rewards Credit Card can only be used at Old Navy. The Navyist Rewards Mastercard, however, can be used anywhere Mastercard is accepted, which is the main difference between the two card options.

How can I talk to Old Navy Credit Card customer service?

For all credit card account questions including payments, billing, and disputes, contact Barclays directly using the phone number on the back of your card, or visit the official Barclays website for general contact information.

What’s the Old Navy Credit Card payment address?

Mailed payments should be sent to Barclays at the address printed on your monthly statement, since Old Navy accounts are processed through a dedicated Barclays payment center. Always confirm the current address on your latest statement before mailing a payment.

What are the requirements to get the Old Navy credit card?

Applicants generally need to be at least eighteen years old, have a valid Social Security number, a US mailing address, and enough income to cover monthly payments, along with fair credit for the best approval odds. A full breakdown of what issuers typically look for is covered by the Consumer Financial Protection Bureau.

How do I make an Old Navy Credit Card payment?

Old Navy cardholders can pay online through the Barclays hosted account portal, through the Barclays mobile app, by mail using a check sent to the address on the statement, or in person at any Old Navy store register.

How do I make an Old Navy Credit Card payment by phone?

Cardholders can call the number on the back of their card to reach the automated Barclays payment line and make an Old Navy Credit Card payment by phone, and a live representative is also available during business hours for help completing the payment.