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Gap Encore Mastercard® vs Gold Card
Compare fees, rewards, benefits, and card details in one table before choosing which review to open next.
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- A dash (—) means that value is not currently available for that card.
- Coverage labels like 2/4 cards show how many selected cards have that metric populated.
- Card Type, Card Tier, Rating, and Reward Program are editorial labels and may still be pending enrichment.
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| Feature | ||
|---|---|---|
| Basic Information | ||
Issuer | Barclays | American Express |
Card Network | ||
Card Type Data: 1/2 cards | — | travel |
Card Tier Data: 2/2 cards | Entry Level | Mid Tier |
Credit Score | — | Good(700-749) |
Rating Data: 0/2 cards | — | — |
| Fees & APR | ||
Annual Fee | $0 | $250 |
Foreign Transaction Fee | None | None |
Purchase APR | 33.24% | 19.24% – 29.24% |
Intro APR | — | 0% for ? months |
| Rewards | ||
Welcome Bonus | Earn 20 points | Earn 60,000 points |
Bonus Value | $20 | $600 |
Reward Rate Data: 2/2 cards | 5x pts on gap inc. family of brands | 4x pts on restaurants |
Reward Program Data: 2/2 cards | Encore Rewards | Membership Rewards |
| Earning Rates | ||
| Gap Inc. family of brands | 5x ptsA Gap Inc. Credit Card or an Encore Credit Card must be used as sole payment type. | — |
| all eligible retail apparel brands | 3x ptsA Gap Inc. Credit Card or an Encore Credit Card must be used as sole payment type. | — |
| everywhere else Mastercard is accepted | 1x ptsA Gap Inc. Credit Card or an Encore Credit Card must be used as sole payment type. | — |
| restaurants | — | 4x ptson up to $25,000 in combined purchases per calendar year, then 1 point per dollar |
| supermarkets | — | 4x ptson up to $25,000 in combined purchases per calendar year, then 1 point per dollar |
| Benefits | ||
Key Benefits |
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