Quick answer: The Old Navy credit card is issued by Barclays Bank Delaware, and accounts are managed at barclaycardus.com. You can pay your bill online after signing in, by phone on 877-523-0478, by post, or at the register in any Gap Inc. store. If an older bookmark still points at a Synchrony address, that is why it no longer works — the card moved banks in May 2022.
Last verified: 10 September 2026. The issuer (Barclays Bank Delaware), the barclaycardus.com portal, the 877-523-0478 service number, the 500 points to $1 conversion, the 25/15/5 earning rates and the Encore membership tiers were checked against Barclays and Old Navy’s published Encore programme pages on this date. Card terms and programme rules are set by Barclays and Gap Inc. and can change without notice — confirm against your cardholder agreement before acting on anything here.
Important: Who Issues the Old Navy Card Now
This trips up a lot of cardholders, so it is worth stating plainly before anything else.
Gap Inc. moved its entire credit card programme from Synchrony Bank to Barclays, with Barclays becoming the exclusive issuer in May 2022. Synchrony had run the programme for roughly 22 years before that. Two things changed as a result:
- The payment network changed. The old Synchrony-era cards were Visa. The current cards run on Mastercard.
- The login address changed. Accounts are no longer managed on Synchrony’s syf.com portal or the old eservice.oldnavy.com address. They are managed through Barclays at barclaycardus.com.
In February 2026 Gap Inc. went a step further and rebranded the whole loyalty programme as Encore, which renamed the cards and reorganised the membership tiers. Both changes are reflected throughout this guide.
Old Navy Credit Card at a Glance
| Detail | What to know |
|---|---|
| Card issuer | Barclays Bank Delaware (since May 2022) |
| Payment network | Mastercard |
| Account portal | barclaycardus.com |
| Customer service | 877-523-0478 |
| Card options | Old Navy Encore Mastercard, or the Old Navy Encore Credit Card for store-only use |
| Points at Gap Inc. brands | 25 points per $1 for cardmembers |
| Points at other apparel retailers | 15 points per $1 (Encore Mastercard) |
| Points everywhere else | 5 points per $1 where Mastercard is accepted |
| Reward value | 500 points = $1 reward |
| Brands accepted | Old Navy, Gap, Banana Republic, Athleta, Gap Factory, Banana Republic Factory |
Rates, fees and programme terms are set by Barclays and Gap Inc. and can change. The figures here reflect the terms published by Barclays and Old Navy at the time of writing — check your own cardholder agreement and the Encore programme terms before relying on them.
How to Pay Your Old Navy Credit Card Bill
This is what most people come here for, so it goes first. There are five ways to pay, and they differ mainly in how quickly the payment posts.
Pay Online (Fastest)
- Go to barclaycardus.com and sign in to your account.
- Select the payment option from your account dashboard.
- Choose the amount — minimum due, full statement balance, or a custom figure.
- Select the bank account to pay from, confirm the payment date, and submit.
- Keep the confirmation number until the payment shows as posted.
Set Up Autopay
Autopay is the single most effective way to avoid a late fee. From the same payment area you can schedule the minimum payment, the full balance or a fixed amount to be taken automatically each month. Setting it to the full statement balance also means you never pay interest, which matters more than any rewards rate on a retail card.
Pay by Phone
Call 877-523-0478 and follow the automated prompts. Have your card number and your bank account and routing numbers ready. If you are transferred to an agent, ask whether an assisted-payment fee applies before you confirm.
Pay by Mail
Send a cheque or money order — never cash — with your account number written on it. Use the remittance address printed on your current statement rather than one copied from an older bill or another website, because payment addresses change. Allow seven to ten days for delivery and processing so the payment is not recorded late.
Pay in Store
You can pay at the register in any Old Navy, Gap, Banana Republic or Athleta store. Bring the card, and keep the receipt until the payment appears on your account.
How to Log In to Your Old Navy Credit Card Account
Account access runs through Barclays. If you held the card before May 2022 and never set up access on the new portal, you need to register first — your old Synchrony credentials will not work.
Registering for Online Access
- Go to barclaycardus.com and choose the option to register or set up online access.
- Enter your card account number.
- Provide the identifying details requested — typically your date of birth, the last four digits of your Social Security number and your ZIP code.
- Create a username and password and set your security questions.
- Confirm your email address so statements and alerts reach you.
Signing In
- Open barclaycardus.com.
- Enter your username and password.
- Select sign in. Complete the verification step if you are asked for a one-time passcode.
Inside the account you can pay your bill, view your balance and available credit, download statements, check your Encore points and rewards, update your contact details, set up alerts, and report a lost or stolen card.
Login Problems and How to Fix Them
Your Old Login No Longer Works
If you are entering credentials that worked before May 2022, they belong to the old Synchrony account and will not be recognised. Register again on the Barclays portal as a new online user, using the same physical card.
Forgot Your Username
- Select the Forgot Username option below the sign-in form.
- Enter your card account number and your ZIP code, then continue.
- Follow the verification steps; your username will be shown or emailed to the address on file.
Forgot Your Password
- Select Forgot Password on the sign-in page.
- Enter your username and the identifying details requested.
- Complete verification and set a new password.
Account Locked
Repeated failed attempts will lock online access. This cannot be undone from the login page. Call 877-523-0478 and ask to have access unlocked once they have verified your identity.
The Page Will Not Load
- Clear your browser cache and cookies, then try again.
- Try a different browser or a private window with extensions disabled.
- Switch off any VPN — banking portals routinely block VPN traffic.
- Check that your device clock is set correctly, as a wrong system time breaks secure connections.
The Two Old Navy Card Options
Which one you hold decides where it works and how it earns away from Gap Inc. stores.
| Feature | Old Navy Encore Credit Card | Old Navy Encore Mastercard |
|---|---|---|
| Where it works | Gap Inc. stores and websites only | Anywhere Mastercard is accepted |
| Points at Gap Inc. brands | 25 per $1 | 25 per $1 |
| Points at other apparel retailers | Not applicable | 15 per $1 |
| Points on all other spending | Not applicable | 5 per $1 |
| Reward value | 500 points = $1 | 500 points = $1 |
| Issuer | Barclays Bank Delaware | Barclays Bank Delaware |
The store-only card is generally offered to applicants who are not approved for the Mastercard version. Both use the same portal, the same service number and the same rewards structure inside Gap Inc. brands.
Advantages of the Old Navy Credit Card
The main advantages are the accelerated earning rate inside Gap Inc. brands, rewards that pool across six retailers, no annual fee on either card, and Mastercard’s zero liability protection against unauthorised transactions on the Mastercard version. The rewards mechanics below set out what those points are actually worth.
How Encore Points and Rewards Work
Gap Inc.’s loyalty programme became Encore in February 2026, replacing the earlier Gap Good Rewards structure. Points and tiers both changed, so figures published before that date are no longer accurate.
What Points Are Worth
| Points | Reward value |
|---|---|
| 500 points | $1 |
| 2,500 points | $5 |
| 5,000 points | $10 |
| 10,000 points | $20 |
The conversion is a flat 500 points to $1. Older guides that quote 100 points to $1 are describing the retired Synchrony-era programme, and applying that rate today overstates what your balance is worth by five times.
How Fast You Earn
- 25 points per $1 spent at Gap Inc. brands with the card.
- 15 points per $1 at other eligible apparel retailers with the Encore Mastercard.
- 5 points per $1 everywhere else Mastercard is accepted.
- Shoppers without a card earn 5 points per $1 at Gap Inc. brands.
Put together, $20 spent at Old Navy with the card earns 500 points, which is $1 back — an effective return of about 5% inside Gap Inc. brands. That is a good rate for a store card, with one large caveat below.
Encore Membership Tiers
| Tier | How you reach it |
|---|---|
| Core | Free to join, no spending requirement |
| Premier | More than $350 annual spend across the Family of Brands |
| All-Access | Automatic for all cardmembers |
Holding the card places you in All-Access automatically, which is where the higher earning rates come from. The previous Core, Enthusiast and Icon tiers, and the $500 and $1,000 spending thresholds attached to them, no longer apply.
The Caveat Worth Stating Plainly
A 5% effective return only benefits you if the balance is cleared in full every month. Retail cards carry high interest rates, and carrying a balance costs far more in interest than the rewards return. If you are weighing that up, our guides on paying bills with a credit card and improving your credit score cover the mechanics. It is also worth knowing whether an inactive card affects your credit score before closing an old account.
Where You Can Use the Card
The Encore programme spans six retailers in the Gap Inc. family:
- Old Navy
- Gap and Gap Factory
- Banana Republic and Banana Republic Factory
- Athleta
Points earned at any of them accumulate in the same balance, and rewards can be redeemed across the family, so a Gap purchase moves you towards a reward you can spend at Old Navy.
Make Sure You Are on the Real Login Page
An issuer change makes cardholders unusually easy to target, because people are already expecting a new address and a new card. A few habits remove almost all of the risk:
- Type the address yourself. Reach barclaycardus.com from your own bookmark or the address bar, never from a link in an email, a text or a search advertisement.
- Be suspicious of “your card is being replaced” messages. That was a genuine event in 2022, and it remains a convenient story for anyone phishing Old Navy cardholders.
- Never share a one-time passcode. Barclays will not call and ask for an OTP, your full card number or your password. Anyone who does is not your bank.
- Ignore deadline pressure. “Act today or your account closes” is a tactic, not a bank process.
- Avoid signing in on public Wi-Fi — our guide on how to tell if a Wi-Fi network is secure explains what to check.
If you think you have entered details on a fake page, call the number on the back of your card straight away and change your password. Our breakdown of a package-tracking text scam shows how convincing these messages have become, and our safe online shopping guide covers the wider habits.
Old Navy Credit Card Customer Service
| What you need | Contact |
|---|---|
| Card servicing, payments, lost or stolen card | 877-523-0478 |
| Manage your account online | barclaycardus.com |
| Old Navy shopping and orders | oldnavy.gap.com |
Report a lost or stolen card immediately, at any hour — liability protection depends on prompt reporting, and it is the one call that should never wait until morning.
Frequently Asked Questions
Who issues the Old Navy credit card?
Barclays Bank Delaware. Barclays became the exclusive issuer of Gap Inc.’s credit card programme in May 2022, taking over from Synchrony Bank.
Where do I log in to my Old Navy credit card?
At barclaycardus.com. Older Synchrony addresses such as eservice.oldnavy.com and syf.com no longer service this card.
Why doesn’t my old Old Navy card login work?
Credentials created before May 2022 belong to the retired Synchrony account. Register again on the Barclays portal using your current card.
Is the Old Navy card a Visa or a Mastercard?
Mastercard. The Synchrony-era cards were Visa; the current Barclays-issued cards run on the Mastercard network.
How many points do I need for a $1 reward?
500 points equals $1. Guides quoting 100 points to $1 are describing the retired programme.
How do I pay my Old Navy bill?
Sign in at barclaycardus.com and pay online, call 877-523-0478, post a cheque to the address on your statement, or pay at the register in any Gap Inc. store.
Can I use the card at Gap, Banana Republic or Athleta?
Yes. The Encore programme covers Old Navy, Gap, Gap Factory, Banana Republic, Banana Republic Factory and Athleta, and points pool across all of them.
What are the Encore membership tiers?
Core is free to join, Premier requires more than $350 of annual spend across the Family of Brands, and All-Access is automatic for cardmembers. These replaced the former Core, Enthusiast and Icon tiers in February 2026.
Conclusion
Two facts do most of the work with this card: it is issued by Barclays, not Synchrony, and it is managed at barclaycardus.com. Almost every login problem people report traces back to one of those two changes. Register once on the current portal, set up autopay so a payment is never missed, and remember that 500 points make $1 — not 100, as older guides still claim.
Managing other store cards? We have step-by-step guides for the Gap credit card, which is part of the same Barclays programme, plus the TJ Maxx credit card and the Zulily credit card. You may also find our guide to the https://oldnavy.gap.com useful.
Not the card you were looking for? Our store credit card login guide lists the issuing bank, login portal and customer service number for twelve major store cards in one table.
