Start My Answer

What Bank Owns Old Navy Credit Card?

Sarah Edwards | January 08, 2024

Sarah Edwards
Legal Expert
Sarah Edwards, BS

Sarah Harris is a professional researcher and writer specializing in legal content. An Emerson College alumna, she holds a Bachelor of Science in Communication from the prestigious Boston institution.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Fact-checked by Patrick Austin, J.D.

Patrick Austin
Attorney from George Mason
Patrick Austin, JD

Patrick Austin is a licensed attorney with a background in data privacy and information security law. Patrick received his law degree at George Mason University's Antonin Scalia Law School, where he served as the Editor-in-Chief for the National Security Law Journal.

Summary: Barclays Bank Delaware administers the Old Navy credit card program, also known as the Navyist Rewards Mastercard. SoloSuit explains how the Barclays Old Navy credit card program works.

If you’re like many Americans, you turn to Old Navy when you need new clothes. Old Navy is famous for its low prices on comfortable attire for the whole family. Customers can shop for shirts, jeans, dresses, and activewear in various styles and feel good knowing they aren’t overpaying for their purchases.

Where can I use my Old Navy credit card?

Loyal Old Navy customers can apply for a Navyist Rewards Mastercard, which clients can use at any store in the Gap Inc. family, which includes:

  • Old Navy
  • Banana Republic
  • Gap
  • Athleta

If you’re being sued for a debt from your Old Navy credit card, you can settle it for less with SoloSettle. Keep reading to learn more about the card, including its rewards, interest rates, and fees.

Settle with SoloSettle

Make an Offer

What bank is Old Navy credit card administered by?

Barclays Bank Delaware is the bank for the Old Navy credit card. Before you sign up for any credit card, be sure to understand the agreement you’re entering. Learn more about the Old Navy credit card agreement here.

Check out our guide for more information on how to respond to a debt lawsuit against Barclays: Sued by Barclay for Debt Collection – How to Win

The Old Navy credit card offers several rewards

The Old Navy credit card, also known as the Navyist Rewards Mastercard® or the Gap Inc. Mastercard, offers the following rewards:

  • 30% off your first purchase with the card at Old Navy
  • $1 reward per every 100 points earned
  • 5 points per $1 spent with the card at any of the Gap family stores
  • 1 point per $1 spent with the card on purchases outside the Gap family stores
  • Free shipping on orders of $50 or more

The Gap Inc. Mastercard is a retail store card that cardholders can use at any Old Navy, Gap, Banana Republic, or Athleta store. Clients can also use the card on the stores’ websites.

So, once an Old Navy cardholder accumulates 100 points, they’ll earn a $1 reward they can use on future purchases. This means that a cardholder who spends $100 at Old Navy will accumulate $5 in rewards.

Here are some other benefits offered by the Old Navy credit card program:

  • Members only exclusive offers
  • Bonus points when you shop at two or more Gap Inc. brand stores
  • Quarterly bonus points for each quarter you shop at a Gap Inc. brand store
  • Early access to sales
  • No annual fee

Do you need to validate your debt with Old Navy? Get started with SoloSuit’s Debt Validation template.

The drawbacks of an Old Navy credit card

While Old Navy credit cards can offer some savings to consumers who apply for them, they have a few disadvantages, such as high interest rates. Here are some of the drawback of the Old Navy card:

  • 29.99% APR
  • 5% transfer fee
  • $41 late fee

Consumers can avoid interest charges if they pay off their entire balance by the due date of their next bill. Otherwise, interest will apply.

Let’s consider an example.

Example: Jill decides to apply for the Gap Inc. retail card. She’s approved and buys $250 of clothing at Old Navy. Since this is her first purchase, she saves 30%, bringing her total to $175. She also earns 875 reward points, which entitle her to $8.75 toward future purchases. Jill’s minimum payment of $40 is due on October 1. She can’t afford to pay the balance, so she sends the minimum. She incurs additional interest fees, which offset nearly half of her rewards earnings.

To maximize the benefits of an Old Navy credit card, consumers should pay off their balance before their due date to avoid interest fees that eat into their savings.

What the BBB says about Barclays

Barclays administers credit card programs for many enterprises, including Lufthansa and the Carnival cruise line. The company has an A+ rating with the Better Business Bureau (BBB), the highest available.

However, Barclays is not free of customer complaints.

A customer cited a bad experience with Old Navy’s credit card program. She had an Old Navy card with another financial institution. When she attempted to use her Old Navy card at her local store, Old Navy said she didn’t have an account and needed to apply for a new card. However, when she attempted to apply, the company denied the application because she had an account on file. As a result, she lost out on the 30% discount and loyalty rewards.

Another client complained about late fees and improper payment application due to Old Navy’s switch from Synchrony to Barclays. The company’s mistakes damaged the client’s credit score and credit report.

Watch this video to learn how to write a Debt Validation Letter for your Old Navy credit card.

Pay off your Navyist Reward Mastercard debt

If you’re wondering how to pay Old Navy credit card debt, here are a few tips:

  • Create a budget and prioritize debts. Start by making a budget that tracks your income and expenses. This will help you see where your money is going and identify areas where you can cut back. Prioritize your debts, focusing on paying off the ones with the highest interest rates first, as they cost you the most money over time. Keep in mind that the Old Navy credit card has an APR of 29.99%.

  • Pay more than the monthly minimum. Try to pay more than the minimum monthly payment on your credit card bills. Even a little extra can make a big difference in reducing your overall debt and can significantly shorten the time it takes to pay off your balance.

  • Consider a balance transfer or debt consolidation. If you have high-interest credit cards, consider transferring the balances to a card with a lower interest rate. Some credit cards offer introductory periods with 0% interest on balance transfers. Alternatively, a debt consolidation loan can combine multiple high-interest debts into a single payment, potentially at a lower interest rate.

In addition, consider the following advice from the Old Navy credit card agreement on how to avoid paying interest:

"You can avoid paying interest on purchases if you pay your purchase balance subject to interest (excluding Easy Pay Offers) plus any monthly Easy Pay Payment Amount in full by the Payment Due Date every month. If you do not pay your purchase balance subject to interest (excluding Easy Pay Offers) plus any monthly Easy Pay Payment Amount by the due date each month, you will pay interest from the date purchases are posted to your account until the date you pay those Purchases in full. To avoid a late fee, you should pay at least the minimum payment due on your account each month."

Remember, the key to paying off credit card debt is consistency and commitment. Stick to your budget, keep your spending in check, and stay focused on your goal.

Be wary when signing up for an Old Navy credit card

Retail store cards like Old Navy’s can benefit consumers who regularly shop with them. However, they typically come with high interest rates that can wipe out consumer savings if the cardholder doesn’t pay the balance before the due date. Late payments can incur extra fees of up to $41.

If you apply for an Old Navy card, be realistic about your ability to pay off your balance. Carrying a balance with Old Navy is expensive and can damage your credit score.

Is Old Navy suing you for unpaid debt? Use SoloSuit’s Answer template to respond.

Settle your Old Navy credit card debt

Getting sued for debt sucks, but you still have options, even after a lawsuit is filed.

If you’ve been sued over a debt with Old Navy’s credit card, debt settlement may be your way out. Debt settlement is the process by which a debtor pays off a lump-sum portion of their debt in order to satisfy the obligation for good.

Debt collectors and creditors are often willing to work with debtors who cannot afford to pay off a debt in full. Beware that debt settlement can have a negative impact on your credit score, but nothing will hurt your credit worse than non-payment.

To settle a credit card debt, follow these three steps:

  1. Respond to your pending lawsuit with a written Answer.
  2. Send a settlement offer to start negotiations.
  3. Get the agreement in writing.

SoloSettle, powered by Solosuit, can help you with each step and more. To learn more about these three steps, check out this video:

What is SoloSuit?

SoloSuit makes it easy to fight debt collectors.

You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt.

SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.

>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit. (We can help you in all 50 states.)

How to Answer a Summons for debt collection in all 50 states

Here's a list of guides on how to respond to a debt collection lawsuit in each state:

The Ultimate 50 State Guide

Guides on how to resolve debt with every debt collector

Are you being sued by a debt collector? We’re making guides on how to resolve debt with each one.

Resolve your debt with your creditor

Some creditors, banks, and lenders have an internal collections department. If they come after you for a debt, Solosuit can still help you respond and resolve the debt. Here’s a list of guides on how to resolve debt with different creditors.

Get debt relief in your state

We’ve created a specialized guide on how to find debt relief in all 50 states, complete with steps to take to find relief, state-specific resources, and more.

Debt collection laws in all 50 states

Debt collection laws vary by state, so we have compiled a guide to each state’s debt collection laws to make it easier for you to stand up for your rights—no matter where you live.

Statute of limitations on debt state guides

Like all debt collection laws, the statute of limitations on debt varies by state. So, we wrote a guide on each state’s statutes. Check it out below.

Statute of Limitations on Debt Collection by State (Best Guide)

Check the status of your court case

Don’t have time to go to your local courthouse to check the status of your case? We’ve created a guide on how to check the status of your case in every state, complete with online search tools and court directories.

How to stop wage garnishment in your state

Forgot to respond to your debt lawsuit? The judge may have ordered a default judgment against you, and with a default judgment, debt collectors can garnish your wages. Here are our guides on how to stop wage garnishment in all 50 states.

Other wage garnishment resources

How to settle a debt in your state

Debt settlement is one of the most effective ways to resolve a debt and save money. We’ve created a guide on how to settle your debt in all 50 states. Find out how to settle in your state with a simple click and explore other debt settlement resources below.

How to settle with every debt collector

Not sure how to negotiate a debt settlement with a debt collector? We are creating guides to help you know how to start the settlement conversation and increase your chances of coming to an agreement with every debt collector.

Other debt settlement resources

Personal loan and debt relief reviews

We give a factual review of the following debt consolidation, debt settlement, and loan organizations and companies to help you make an informed decision before you take on a debt.

How to repair and improve your credit score

Debt has a big impact on your credit. Below is a list of guides on how to repair and improve your credit, even while managing major debt.

How to resolve student loan debt

Struggling with student debt? SoloSuit’s got you covered. Below are resources on handling student loan debt.

Settle your medical debt

Having a health challenge is stressful, but dealing medical debt on top of it is overwhelming. Here are some resources on how to manage medical debt.

Guides on arbitration

If the thought of going to court stresses you out, you’re not alone. Many Americans who are sued for credit card debt utilize a Motion to Compel Arbitration to push their case out of court and into arbitration.

Below are some resources on how to use an arbitration clause to your advantage and win a debt lawsuit.

Stop calls from debt collectors

Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them.

Federal debt collection laws can protect you

Knowing your rights makes it easier to stand up for your rights. Below, we’ve compiled all our articles on federal debt collection laws that protect you from unfair practices.

Civil law legal definitions

You can represent yourself in court. Save yourself the time and cost of finding an attorney, and use the following resources to understand legal definitions better and how they may apply to your case.

Get answers to these FAQs on debt collection

How-to debt guides

Learn more with these additional debt resources


Not sued yet?

Use our Debt Validation Letter.


Out Debt Validation Letter is the best way to respond to a collection letter. Many debt collectors will simply give up after receiving it.


Let's Do It

It only takes 15 minutes.

And 50% of our customers' cases have been dismissed in the past.


"Finding yourself on the wrong side of the law unexpectedly is kinda scary. I started researching on YouTube and found SoloSuit's channel. The videos were so helpful, easy to understand and encouraging. When I reached out to SoloSuit they were on it. Very professional, impeccably prompt. Thanks for the service!" - Heather



Get Started