$0
Annual fee
See the card
Card reviewBarclays
Updated Jul 23, 2026 · research
BarclaysGap Inc. Rewards
Gap Encore Mastercard
The Gap Encore Mastercard rewards you with 5X points on purchases at Gap Inc. brands, 3X on retail apparel, and 1X everywhere else with no annual fee.
Personal
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
at the Gap Inc. family of brands
Retail Apparel
3xpoints
at all eligible retail apparel brands
Everywhere else
1xpoints
everywhere else where Mastercard is accepted
Pros & Cons
Pros
- No annual fee.
- 5X points at Gap Inc. brands.
- 3X points at eligible apparel retailers.
- Free shipping on $35+ Gap online orders.
- Complimentary FICO score access.
Cons
- High APR of 33.24% on purchases, balance transfers, and cash advances.
- Low base rate of 1X points outside bonus categories.
- Limited rewards categories focused on apparel.
Key Takeaways
- Earn 5X points per $1 at Gap, Banana Republic, Old Navy, and Athleta.
- No annual fee with basic protections like $0 fraud liability.
- Points worth 500 for $1 on Gap purchases or Encore Market.
- Free shipping on $35+ online orders at Gap.
- High APR requires paying in full to avoid interest.
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
5 benefits
Lifestyle Benefits
Other Insurance
Coverage Tier Legend
Best in ClassIndustry-leading coverage
StrongAbove average
StandardTypical coverage
LimitedBelow average
Frequently Asked Questions
What is the annual fee for the Gap Encore Mastercard?
The Gap Encore Mastercard has no annual fee. This applies ongoing with no first-year waiver needed.
How do rewards work on the Gap Encore Mastercard?
Earn 5X points per $1 at Gap Inc. brands, 3X points per $1 at eligible apparel retailers, and 1X points per $1 everywhere else Mastercard is accepted. Points redeem at 500 points for $1 in the Encore Market or on Gap Inc. purchases. The card must be the sole payment type for bonus categories.
What are the APR ranges for the Gap Encore Mastercard?
The purchase APR ranges from 33.24% to 33.24%. Balance transfer and cash advance APRs are also 33.24%. Rates are variable.
What benefits does the Gap Encore Mastercard offer?
Benefits include $0 fraud liability protection, complimentary FICO score access, free shipping on $35+ online Gap orders, digital wallet compatibility, and early access to partner perks. Free shipping requires signing into an account and is U.S. only. FICO access requires an active good standing account.
Is there a welcome bonus for the Gap Encore Mastercard?
No welcome bonus is currently offered. The public offer lists a bonus amount of zero.
What redemption options are available?
Points redeem at 500 points = $1 in the Encore Market or on Gap Inc. purchases. No other redemption details are specified.
Who is eligible for the Gap Encore Mastercard?
Eligibility details are not specified in the card data. Standard credit approval applies through Barclays.
About This Card
The Gap Encore Mastercard suits frequent shoppers at Gap Inc. brands or apparel retailers who want no-fee rewards without needing travel or dining bonuses. It fits entry-level users building credit through everyday apparel spending.
The Gap Encore Mastercard is designed for frequent shoppers at Gap, Old Navy, Banana Republic, and Athleta. Earn 5X points on purchases within the Gap Inc. family of brands, 3X on eligible retail apparel, and 1X points on all other purchases where Mastercard is accepted. It offers a 20% discount on your first purchase, free shipping on orders of $35 or more, and has no annual fee.
It stands out in the entry-level tier with 5X points at Gap Inc. brands and 3X at other apparel retailers, paired with no annual fee.
Ready to Decide?
Apply for the Gap Encore Mastercard
Current offer available with no annual fee.
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