Card comparisonSide by side
GM Business™ Mastercard® vs Old Navy Encore Mastercard®
Compare fees, rewards, benefits, and card details in one table before choosing which review to open next.
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How to read missing comparison values
- 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 | Barclays |
Card Network | ||
Card Type Data: 2/2 cards | business | cashback |
Card Tier Data: 1/2 cards | — | Entry Level |
Credit Score | — | — |
Rating Data: 0/2 cards | — | — |
| Fees & APR | ||
Annual Fee | $0 | $0 |
Foreign Transaction Fee | Yes (3%) | None |
Purchase APR | 22.24% – 32.24% | 33.24% |
Intro APR | 0% for 9 months | — |
| Rewards | ||
Welcome Bonus | Earn 100,000 points | Earn 30 points |
Bonus Value | $1,000 | $30 |
Reward Rate Data: 2/2 cards | 7x pts on eligible gm purchases | 5x pts on gap inc. family of brands |
Reward Program Data: 2/2 cards | GM Business Card Points | Encore 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. |
| eligible GM purchases | 7x ptsEarned on eligible GM purchases when you use your GM Business Mastercard. | — |
| eligible retail apparel brands | — | 3x ptsA Gap Inc. Credit Card or an Encore Credit Card must be used as sole payment type. |
| everything else | 3x ptsIncludes business expenses, restaurants, travel and more. There is no limit to the number of Business Card Points you can earn. | — |
| everywhere else Mastercard is accepted | — | 1x ptsA Gap Inc. Credit Card or an Encore Credit Card must be used as sole payment type. |
| Benefits | ||
Key Benefits |
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