$0
Annual fee
$20
Bonus value
See the card
Card reviewBarclays
Updated Jul 3, 2026 · researchAE
BarclaysEncore RewardsEditorially reviewed
Athleta Encore Mastercard®
No-annual-fee Athleta Mastercard earning points at Gap Inc. brands, eligible retail apparel brands, and everywhere Mastercard is accepted.
Personal
Mastercard
$0
Annual fee
5x pts gap inc. family of brands
Top rate
N/A
Foreign fee
N/A
Rating
Current Welcome Offer
20 bonus
Verifiedpage content
Card Offers
public
20 bonus
page content
Earning Rates
Gap Inc. family of brands
5xpoints
A Gap Inc. Credit Card or an Encore Credit Card must be used as sole payment type.
Eligible retail apparel brands
3xpoints
A Gap Inc. Credit Card or an Encore Credit Card must be used as sole payment type.
Everywhere else Mastercard is accepted
1xpoints
A Gap Inc. Credit Card or an Encore Credit Card must be used as sole payment type.
Fees
| Fee Type | Amount |
|---|---|
| Annual Fee | $0 |
APR Information
- Purchase APR
- 33.24%
- Balance Transfer APR
- 33.24%
- Cash Advance APR
- 33.24%
APRs shown are variable and may change based on the Prime Rate. Your actual APR will be determined based on your creditworthiness.
Card Benefits
6 benefits
Lifestyle Benefits
Other Insurance
Coverage Tier Legend
Best in ClassIndustry-leading coverage
StrongAbove average
StandardTypical coverage
LimitedBelow average
About This Card
The Athleta Encore Mastercard is a no-annual-fee Mastercard issued by Barclays Bank Delaware. It earns 5X points at the Gap Inc. family of brands, 3X points at eligible retail apparel brands, and 1X point everywhere else Mastercard is accepted. Points redeem at 500 points = $1 Reward for Encore Market or Gap Inc. brand purchases.
Ready to Decide?
Apply for the Athleta Encore Mastercard®
20 bonus with no annual fee.
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Sources & Methodology
Sources & Methodology
Data Collection
We collect card details from official issuer pages, then verify them with automated checks.
Last updated:
How it's reviewed
Analyzed by the Rewardopedia Engine.
Data Quality
- 6 of 6 benefits rated high confidence
- 1 of 1 offer verified
Learn More
Read our full methodology for how we collect, verify, and rate credit cards.
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