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Card reviewBarclays
Updated Jul 4, 2026 · research
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BarclaysEncore RewardsEditorially reviewed

Gap Encore Mastercard®

A no-annual-fee Gap Inc. co-branded Mastercard earning up to 5X points at Gap Inc. brands.

Entry LevelPersonal
Mastercard
$0
Annual fee
5x pts gap inc. family of brands
Top rate
N/A
Foreign fee
N/A
Rating

Current Welcome Offer

20 bonus

Verifiedissuer page
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Card Offers

public

20 bonus

Verified
issuer page

Earning Rates

Gap Inc. family of brands
5xpoints

A Gap Inc. Credit Card or an Encore Credit Card must be used as sole payment type.

all eligible retail apparel brands
3xpoints

A Gap Inc. Credit Card or an Encore Credit Card must be used as sole payment type.

everywhere else Mastercard is accepted
1xpoints

A Gap Inc. Credit Card or an Encore Credit Card must be used as sole payment type.

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.
  • Redemption value of 0.2 cents per point.

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 TypeAmount
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

6 benefits

Lifestyle Benefits

Other Insurance

Coverage Tier Legend

Best in ClassIndustry-leading coverage
StrongAbove average
StandardTypical coverage
LimitedBelow average

Hidden Gems

Complimentary FICO Score

Provides online access to your FICO score at no extra cost, helping monitor credit health. Requires an active account in good standing.

Early Access & Partner Perks

Offers special events and discounts with early access when available. Details sent to cardholders subject to terms.

Free Shipping on $35+

Eliminates shipping costs on qualifying Gap online orders, adding value for frequent shoppers. Limited to U.S. with account login.

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 earns points at the Gap Inc. family of brands, eligible retail apparel brands, and everywhere else Mastercard is accepted. Points are redeemable in the Encore Market or on purchases at Gap Inc. brands. The card has a $0 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®

20 bonus with no annual fee.

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Rewards program

Encore Rewards

Earns Points

Card Categories

ShoppingNo Annual FeeCo-brandedEveryday spending

Sources & Methodology

Data Collection

We collect card details from official issuer pages, then verify them with automated checks.

Last updated:

How it's reviewed

Analyzed by the Rewardopedia Engine.

Data Quality
  • 5 of 6 benefits rated high confidence
  • 1 of 1 offer verified
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