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What Bank Owns Old Navy Credit Card?

Sarah Edwards | October 27, 2023

Edited by Hannah Locklear

Fact-checked by Patrick Austin, J.D.

Summary: Barclays Bank Delaware administers the Old Navy credit card program. It offers two cards: a retail store card and a 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.

Loyal customers can apply for a Gap Inc. credit card, which clients can use at any store in the Gap family, including Old Navy, Banana Republic, Gap, and Athleta. Barclays Bank Delaware oversees the Old Navy credit card program and has two cards to choose from.

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

If you’re being sued for a debt from your Old Navy credit card, you can settle it for less with SoloSettle.

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The basics of the Old Navy credit card program

Old Navy offers two credit cards that consumers can apply for. The Gap Inc. credit card 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.

The Gap Inc. Mastercard includes the Mastercard logo, and clients can use the card at any store that accepts Mastercard.

The benefits of opening an Old Navy credit card include 30% off your first purchase and five loyalty points for every dollar spent at the Gap family of stores. Once a 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.

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.

The Gap Inc. retail card and the Gap Inc. Mastercard have APRs of 30.49%, although interest rates vary depending on the current prime rate. Customers who hold the Gap Inc. Mastercard will incur interest of 30.49% on balance transfers and 31.49% on cash advances.

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.

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?

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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.)

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