$0
Annual fee
See the card
Card reviewBarclays
Updated Jul 23, 2026 · research
BarclaysGap Inc. Reward Program
Athleta Encore Mastercard
Earn 5X points on Gap Inc. family of brands, 3X points on eligible retail apparel, and 1X elsewhere with no annual fee.
Entry LevelPersonal
Mastercard
$0
Annual fee
5x pts gap inc. family of brands
Top rate
N/A
Foreign fee
N/A
Rating
Earning Rates
Gap Inc. family of brands
5xpoints
Gap Inc. Credit Card or an Encore Credit Card must be used as sole payment type.
retail apparel brands
3xpoints
Eligible retail apparel brands.
everywhere else Mastercard is accepted
1xpoints
Where Mastercard is accepted.
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
3 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 allows cardmembers to earn high rewards on Gap Inc. brand purchases and retail apparel. It features no annual fee, standard Mastercard benefits, and access to the Encore Market for point redemption.
Ready to Decide?
Apply for the Athleta Encore Mastercard
Current offer available 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 checked
Analyzed by the Rewardopedia Engine.
Data Quality
- 3 of 3 benefits rated high confidence
- 3 source citations across benefits
- 1 of 1 offer verified
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