Card comparisonSide by side
Old Navy Encore Mastercard® vs TD FlexPay Credit Card
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 | TD Bank |
Card Network | ||
Card Type Data: 2/2 cards | cashback | balance transfer |
Card Tier Data: 1/2 cards | Entry Level | — |
Credit Score | — | — |
Rating Data: 0/2 cards | — | — |
| Fees & APR | ||
Annual Fee | $0 | $0 |
Foreign Transaction Fee | None | Yes (3%) |
Purchase APR | 33.24% | 17.49% – 27.49% |
Intro APR | — | — |
| Rewards | ||
Welcome Bonus | Earn 30 points | — |
Bonus Value | $30 | — |
Reward Rate Data: 1/2 cards | 5x pts on gap inc. family of brands | — |
Reward Program Data: 1/2 cards | 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 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. | — |
| Benefits | ||
Key Benefits |
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