Old Navy Credit Card Login: How to Access Your Account & Pay Bills

If you’ve ever tried to pay your Old Navy credit card bill and ended up wondering whether you’re on the right website, you’re not alone. The recent shift in card issuers has created two different login paths, and knowing which one to use can save you time and frustration.

Card issuer: Barclays US (formerly Synchrony Bank) ·
Card network: Mastercard ·
Old Navy Encore Credit Card APR range: 29.99% variable (as of 2025) ·
Login portals: oldnavy.barclaysus.com and oldnavy.syf.com ·
Online bill pay availability: 24/7 via Barclays or Synchrony portal ·
Customer service phone number: 1-877-523-0478 (Barclays US)

The card servicing portal at oldnavy.syf.com still handles many accounts, while newer Encore Mastercard holders may need a different route. This guide walks you through both portals, balance checks, payments, and what to do if you get stuck.

Six key details about the Old Navy credit card, one pattern: both the Barclays and Synchrony portals offer similar account management features, but the right one depends on when you opened your card.

How do I login to my Old Navy Credit Card?

The answer depends on whether you have the new Encore Mastercard or an older account. Here are the two paths.

Log in at the Synchrony portal (oldnavy.syf.com) for older accounts

• Go to oldnavy.syf.com — the Synchrony-powered servicing site.
• Enter your username and password. If you haven’t registered, click “Register” and provide your card number and personal details.
• Once logged in, you can pay bills, check your FICO score, and sign up for paperless billing (Old Navy / Synchrony (servicing portal)).

Log in at the Barclays US portal (oldnavy.barclaysus.com) for new Encore cards

• Navigate to oldnavy.barclaysus.com — the Barclays servicing portal.
• Enter your username and password. First-time users must click “Register” and have your card details ready.
• The dashboard shows your balance, rewards points, and payment options (Barclays US (card issuer)).

Reset your username or password

• On either portal, click the “Forgot username or password?” link.
• Enter the requested information (card number, last 4 digits of SSN, or email) to reset credentials.
• You’ll receive instructions via email or SMS (Old Navy / Synchrony (servicing portal)).

The implication: two portals means you must know which issuer your card uses. Check the back of your card — if it says Barclays, use the Barclays site; if Synchrony, use the Synchrony site.

How can I check my Old Navy Credit Card balance?

Check balance online after login

• Log in at the appropriate portal (Barclays or Synchrony).
• The current balance appears prominently on the account dashboard.
• You can also view recent transactions and payment due dates (Old Navy / Synchrony (servicing portal)).

Check balance by phone

• Call the number on the back of your card. For Encore Mastercard holders, Old Navy lists (866) 621-0532 for Encore Cardmembers and (866) 367-1758 for World Mastercard cardmembers (Old Navy customer service (cardholder support)).
• You can also call Barclays US general customer service at 1-877-523-0478.

Check balance on the Old Navy mobile app

• The Old Navy shopping app does not display your credit card balance directly.
• It redirects you to the Barclays or Synchrony portal for account management (Old Navy customer service (cardholder support)).

The pattern: balance checking is straightforward once you’re logged in, but the app is a detour — use the web portal or call for the fastest result.

How to pay Barclays Old Navy card?

Pay online through the Barclays portal

• Log in at oldnavy.barclaysus.com.
• Navigate to the “Pay Bill” section. You can schedule a one-time payment or set up recurring automatic payments.
• Payments post within one business day typically (Barclays US (card issuer)).

Pay by mail

• Send a check or money order to the address printed on your billing statement.
• Allow 5-7 business days for processing.

Set up automatic payments

• Inside the Barclays account center, find “Automatic Payments” under the payment menu.
• Choose the amount (minimum, statement balance, or fixed) and the date each month.
• Once enrolled, payments are deducted automatically from your linked bank account (Barclays US (card issuer)).

Is my Old Navy card a Mastercard?

Old Navy Encore Credit Card is a Mastercard

• Yes — the Old Navy Encore Credit Card is a Mastercard and can be used anywhere Mastercard is accepted globally.
• The card network is clearly marked on the front of the physical card (Old Navy customer service (cardholder support)).

Old Navy store card is not a Mastercard

• The closed-loop Old Navy store card can only be used at Old Navy stores and on oldnavy.gap.com.
• If your card says “Encore” and shows a Mastercard logo, it’s the open-loop version.

The trade-off: the store card is more limited but may have simpler rewards; the Mastercard offers broader usability and 3X points on eligible apparel brands.

How do I access my Old Navy Credit Card account online?

Visit the official Barclays US servicing site

• Open your browser and go to oldnavy.barclaysus.com.
• Click “Log In” and enter your credentials.

First-time user registration

• If you haven’t registered, click “Register” or “Enroll.”
• You’ll need your card number, Social Security number (last 4 digits), and date of birth.
• After verification, create a username and password (Barclays US (card issuer)).

Mobile browser access

• The Barclays portal is mobile-optimized; no app download is required.
• You can also access the Synchrony portal from your phone browser at oldnavy.syf.com.

The catch: if you have an older Synchrony account, you cannot use the Barclays portal — you must go to the Synchrony site. If you’re unsure, check your billing statement or call customer service.

What is the Old Navy Credit Card phone number?

Barclays US customer service line

• 1-877-523-0478 — for Encore Mastercard holders (Old Navy customer service (cardholder support)).

Synchrony customer service for legacy accounts

• 1-866-396-8259 — for accounts still on the Synchrony platform (Old Navy / Synchrony (servicing portal)).

The pattern: Old Navy provides distinct numbers for each card type. The Encore Cardmembers support number (866-621-0532) is also listed on the customer service page as a direct line.

What is the Old Navy Encore credit card?

Features and benefits of the Encore card

• The Old Navy Encore Credit Card replaced the Navyist Rewards Credit Card.
• It offers 3X points on eligible apparel brands and 30% off the first purchase.
• The card is issued by Barclays US and is a Mastercard (Barclays US (card issuer)).

How the transition from Synchrony to Barclays works

• Account migration from Synchrony to Barclays occurred in 2024.
• New accounts are automatically opened with Barclays; existing Synchrony accounts may still be active.
• If you received a new card in the mail, it’s likely the Barclays-issued Encore Mastercard.

Confirmed facts vs. what’s unclear

The Barclays US welcome page states the Old Navy Encore Credit Card includes new perks and top-tier benefits.

Barclays US (card issuer)

Old Navy directs cardholders to manage their account at oldnavy.barclaysus.com for the Encore card.

Old Navy customer service (cardholder support)

The consequence for Old Navy credit card users: the dual-portal system creates a small learning curve, but once you know which issuer holds your account, managing payments, balance, and rewards is straightforward. For cardholders with the new Encore Mastercard, the choice is clear: use the Barclays portal. For legacy Synchrony users, stick with the portal you know.

For those who also shop at sister brands, the Gap credit card login guide offers a similar account management experience through the same issuer.

Frequently asked questions