Gap Encore Mastercard
Earn 5X points per $1 at Gap Inc. family of brands, 3X points per $1 at eligible retail apparel brands, 1X points per $1 everywhere else Mastercard is accepted. No annual fee.
Annual Fee
$0
Top Earning Rate
5x pts gap inc. family of brands
Foreign Tx Fee
N/A
Rating
N/A
Current Welcome Offer
0 bonus
Card Offers
public
0 bonus
Earning Rates
Gap Inc. Credit Card or Encore Credit Card must be used as sole payment type
Gap Inc. Credit Card or Encore Credit Card must be used as sole payment type
Gap Inc. Credit Card or 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 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
Purchase Protection
Statement Credits
Lifestyle Benefits
Coverage Tier Legend
Frequently Asked Questions
What is the annual fee for the Gap Encore Mastercard?
How do rewards work on the Gap Encore Mastercard?
What are the APR ranges for the Gap Encore Mastercard?
What benefits does the Gap Encore Mastercard offer?
Is there a welcome bonus for the Gap Encore Mastercard?
What redemption options are available?
Who is eligible for the Gap Encore Mastercard?
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 5X points for every $1 spent at Gap Inc. brands (Gap, Banana Republic, Old Navy, Athleta), 3X points at other eligible apparel retailers, and 1X points everywhere else. Points redeem at 500 points = $1 in the Encore Market or on Gap Inc. purchases. Includes 20% off first purchase, free shipping on $35+ online orders, $0 fraud liability, and complimentary FICO score access.
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
0 bonus with no annual fee.
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Sources & Methodology
Sources & Methodology
Card details are collected by automated crawlers from official issuer pages, then verified by editorial review.
Last updated:
Pending editorial review.
- 4 of 5 benefits rated high confidence
- 1 of 1 offer verified
Read our full methodology for how we collect, verify, and rate credit cards.
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