$0
Annual fee
See the card
Card reviewBarclays
Updated Jul 23, 2026 · research
BarclaysGap Inc. Reward Program
Old Navy Encore Mastercard®
Earn rewards on Old Navy and Gap Inc. purchases with zero annual fee and free shipping on orders $35+.
Entry LevelPersonal
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
Must use card as sole payment type.
Eligible retail apparel brands
3xpoints
Must use card as sole payment type.
Everywhere else Mastercard is accepted
1xpoints
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
4 benefits
Lifestyle Benefits
Other Insurance
Coverage Tier Legend
Best in ClassIndustry-leading coverage
StrongAbove average
StandardTypical coverage
LimitedBelow average
About This Card
The Old Navy Encore Mastercard® lets you earn 5X points at the Gap Inc. family of brands, 3X points on eligible retail apparel brands, and 1X points everywhere else Mastercard is accepted. Redeem points for rewards in the Encore Market or directly on purchases at Gap Inc. stores.
Ready to Decide?
Apply for the Old Navy Encore Mastercard®
Current offer available with no annual fee.
Similar Cards You Might Like
Rewards program
Gap Inc. Reward Program
Earns Points
Card Categories
Sources & Methodology
Sources & Methodology
Data Collection
We collect card details from official issuer pages, then verify them with automated checks.
Last updated:
How it's checked
Analyzed by the Rewardopedia Engine.
Data Quality
- 4 of 4 benefits rated high confidence
- 4 source citations across benefits
- 1 of 1 offer verified
Learn More
Read our full methodology for how we collect, verify, and rate credit cards.
Found an error? Report it here.