Athleta Encore Mastercard®
A no-annual-fee co-branded Mastercard for Athleta and Gap Inc. shoppers that earns 5X points at Gap Inc. brands, 3X at eligible retail apparel brands, and 1X everywhere else, with points redeemable in the Encore Market or on Gap Inc. purchases.
Current Welcome Offer
0 bonus
Card Offers
public
0 bonus
Earning Rates
Card must be used as sole payment type. See Reward Program Terms at athleta.com/RewardProgramTerms.
Card must be used as sole payment type. See Reward Program Terms at athleta.com/RewardProgramTerms.
Fees
| Fee Type | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction 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
8 benefits including 1 hidden gems
Purchase Protection
Statement Credits
Lifestyle Benefits
Coverage Tier Legend
About This Card
The Athleta Encore Mastercard® is a no-annual-fee co-branded credit card issued by Barclays Bank Delaware. Cardmembers earn 5X points for every $1 spent at the Gap Inc. family of brands (Athleta, Gap, Banana Republic, Old Navy), 3X points for every $1 at all eligible retail apparel brands, and 1X points everywhere else Mastercard is accepted. Every 500 points equals a $1 Reward redeemable in the Encore Market for exclusive products, offers, and experiences, or on purchases at Gap Inc. brands. New cardmembers receive 25% off their first purchase at Athleta. Additional perks include free shipping on online orders of $35 or more, early access to special events and partner perks, digital wallet compatibility (Apple Pay, Google Pay), $0 fraud liability protection, and complimentary FICO® Score access. The card carries a variable 33.24% APR for purchases, balance transfers, and cash advances.
Ready to Decide?
Apply for the Athleta Encore Mastercard®
0 bonus with no annual fee.
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Sources & Methodology
Sources & Methodology
We collect card details from official issuer pages, then verify them through editorial review.
Last updated:
Pending editorial review.
- 7 of 8 benefits rated high confidence
- 1 of 1 offer verified
Read our full methodology for how we collect, verify, and rate credit cards.
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