What oldnavy.barclaysus.com is and how to use it
Oldnavy.barclaysus.com is the online payment portal for the Old Navy credit card issued by Barclays. If you have an Old Navy Rewards Visa card or Old Navy credit card through Barclays, you log in here to view your balance, make payments, and manage your account. This is not a shopping site — it's where you handle the financial side of your card.
To make a payment, you'll need your card number and the login credentials you set up when you opened the account. If you haven't created an online account yet, the site will walk you through that process before you can pay. Once logged in, you can pay your full balance, a minimum payment, or any amount in between.
Payments made through this portal typically post to your account within one business day, though Barclays recommends allowing up to three business days to be safe. If your payment is due soon, plan accordingly — paying a few days early prevents late fees if processing takes longer than expected.
Key Takeaways
- Log in at oldnavy.barclaysus.com with your card number and password to access your account and make payments.
- You can pay your full balance, minimum payment, or any amount between, and the payment usually posts within one business day.
- Set up automatic payments through the portal if you want your bill paid on the same date each month without logging in manually.
- If you forget your password, use the "Forgot Password" link on the login page rather than calling, which is faster for account recovery.
- Payments made after your due date will result in a late fee, so confirm your due date and pay a few days early if you're cutting it close.
How to log in and navigate the payment page
Start by going to oldnavy.barclaysus.com in your web browser. On the homepage, look for the login section — it's usually at the top of the page. Enter your username (or the email address associated with your account) and your password, then click "Sign In."
Once you're logged in, your account dashboard will show your current balance, available credit, recent transactions, and your due date. To make a payment, look for a button or link labeled "Make a Payment" or "Pay Now" — the exact wording varies, but it's always visible on the main account page. Click it to proceed to the payment screen.
On the payment screen, you'll see your current balance and be asked how much you want to pay. Enter the amount, choose your payment method (usually a bank account linked to your Barclays account), and confirm. The site will show you a confirmation number — write this down or take a screenshot for your records.
Payment methods and where the money comes from
Barclays accepts payments from a bank account you link to your online profile. You'll need your routing number and account number from your checking or savings account. The site uses this information to pull money directly from your bank, which is called an ACH transfer.
You cannot pay with another credit card through oldnavy.barclaysus.com. If you want to pay with a different card, you would need to call Barclays customer service at the number on the back of your Old Navy card, though they may charge a fee for phone payments. Paying from your bank account through the website is free.
Some people set up automatic payments so the same amount comes out on the same day each month. This is useful if you want to avoid the risk of forgetting a due date. You can change or cancel automatic payments anytime through your account settings.
What to do if you forget your password
Click the "Forgot Password" link on the oldnavy.barclaysus.com login page. You'll be asked to enter your username or email address, and Barclays will send you a password reset link to your email. Click the link in that email and create a new password. This usually takes just a few minutes.
If you don't receive the reset email within a few minutes, check your spam folder — sometimes password reset emails get filtered there. If you still can't find it after 10 minutes, try the reset process again with a different email address if you have one on file with Barclays.
If you're still locked out or can't remember the email address tied to your account, call Barclays customer service. The number is on the back of your Old Navy card. They can verify your identity and help you regain access to your account.
Late payments and how they affect your account
Your due date is listed on your monthly statement and on your account dashboard at oldnavy.barclaysus.com. If your payment doesn't post by that date, Barclays will charge a late fee — the amount varies but is typically $25 to $40 depending on your account history. A late payment also gets reported to credit bureaus and can lower your credit score.
If you're close to your due date, pay at least a few days early. Barclays says payments post within one business day, but that's not may provide — weekends and holidays can add time. Paying early removes the risk of a late fee if processing takes longer than expected.
If you miss a payment by a day or two, contact Barclays right away. Sometimes they will waive a first late fee if you call and ask, especially if you have a good payment history. There's no harm in asking, and it may save you money.
Troubleshooting common payment problems
If your payment is rejected, the most common reason is that the bank account information you entered is wrong or your bank account doesn't have enough funds. Check that your routing number and account number are correct — one digit off will cause the payment to fail. If the numbers are right, make sure your bank account has enough money to cover the payment.
If you see a message saying your payment is "pending," that's normal. Pending payments usually post within one business day. You don't need to pay again — the money is on its way. Check back the next day to confirm it posted.
If you paid but your balance hasn't changed after three business days, log back into oldnavy.barclaysus.com and look at your recent transactions. Your payment should appear there with a confirmation number. If it doesn't show up at all, call Barclays to confirm the payment went through. Keep your confirmation number from when you made the payment — it helps customer service track down what happened.
Setting up automatic payments to avoid missed due dates
Log into oldnavy.barclaysus.com and look for "Automatic Payments," "Autopay," or "Recurring Payments" in your account settings. Click that option and choose how much you want to pay each month — you can select your full statement balance, minimum payment, or a fixed dollar amount. Then choose what day of the month you want the payment to come out.
Automatic payments are free and take the guesswork out of remembering your due date. You can change the payment amount or cancel autopay anytime through your account settings, so there's no lock-in. If you set autopay for your full statement balance, your balance will be zero after each payment posts.
Even with autopay turned on, check your account occasionally to make sure the payment is actually going through. Automatic payments fail sometimes if your bank account closes or your bank rejects the transfer. Logging in once a month takes 30 seconds and catches problems before they become late fees.
Frequently Asked Questions
Can I pay my Old Navy credit card bill by phone instead of online?
Yes. Call the number on the back of your Old Navy card and a representative will take your payment over the phone. Barclays may charge a fee for phone payments, so ask about that before you confirm. Paying online through oldnavy.barclaysus.com is free and faster.
How long does it take for a payment to show up on my account?
Barclays says payments post within one business day, but allow up to three business days to be safe. Weekends and holidays can add time. If your payment doesn't show up after three business days, contact Barclays with your confirmation number.
What if I pay more than I owe?
The extra money becomes a credit on your account. You can use it toward your next statement, or call Barclays to request a refund. Overpaying doesn't hurt your credit or your account — it just means you've paid ahead.
Can I set up a payment for a specific future date?
Most online payment portals let you schedule a payment for a future date. Log into oldnavy.barclaysus.com and look for a "Schedule Payment" or "Future Payment" option when you're making a payment. This is useful if you want to pay on payday but your due date is before then.
What should I do if my payment was rejected?
Check that your bank account number and routing number are correct, and make sure your account has enough funds. If both are correct, try paying again. If it fails a second time, call Barclays — your bank may be blocking the transfer, or there may be a problem with your account that customer service can fix.