$0
Annual fee
$1,000
Bonus value
See the card
Card reviewBarclays
Updated Jul 3, 2026 · researchON
BarclaysEncore RewardsEditorially reviewed
Old Navy Encore Mastercard®
No-annual-fee Old Navy and Gap Inc. co-branded Mastercard earning points at Gap Inc. brands, eligible retail apparel brands, and everywhere else Mastercard is accepted.
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
30 bonus
Verifiedissuer page
Card Offers
public
30 bonus
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.
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.
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
7 benefits
Purchase Protection
Lifestyle Benefits
Coverage Tier Legend
Best in ClassIndustry-leading coverage
StrongAbove average
StandardTypical coverage
LimitedBelow average
About This Card
The Old Navy Encore Mastercard earns 5X points for every $1 spent at the Gap Inc. family of brands, 3X points at eligible retail apparel brands, and 1X point everywhere else Mastercard is accepted. The card has a $0 annual fee and offers a 30% first-purchase discount at Old Navy for approved applicants.
Ready to Decide?
Apply for the Old Navy Encore Mastercard®
30 bonus with no annual fee.
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Sources & Methodology
Sources & Methodology
Data Collection
We collect card details from official issuer pages, then verify them through editorial review.
Last updated:
Editorial Review
Pending editorial review.
Data Quality
- 6 of 7 benefits rated high confidence
- 1 of 1 offer verified
Learn More
Read our full methodology for how we collect, verify, and rate credit cards.
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