Does the Gap Encore Mastercard have an annual fee?

No. Our record lists a $0 annual fee for the Gap Encore Mastercard.

What does the Gap Encore Mastercard earn?

5% on Gap and Gap Inc. brands (Gap, Banana Republic, Athleta, Old Navy), 3% on all eligible retail apparel brands, and 1% on other purchases.

Is the Gap Encore Mastercard worth it in the first year?

Using our illustration ($12,000 of yearly spending, $3,000 of it in Gap and Gap Inc. brands (Gap, Banana Republic, Athleta, Old Navy)), the first year comes out around $240 before credits, including a welcome bonus valued at $0. Year two drops to about $240 before credits.

What credit do I need for the Gap Encore Mastercard?

Our record lists "Good" credit as the typical target for the Gap Encore Mastercard. Barclays makes the final decision based on its own criteria.

Gap Encore Mastercard®

Barclays

No Annual Fee

Annual Fee

mastercardGoodcash-backno-annual-fee17 days ago

Welcome Offer

25% off first purchase0

OpenCard analysis

Is the Gap Encore Mastercard right for you?

The Gap Encore Mastercard is a no-annual-fee cash-back card from Barclays. Its strongest everyday earning is 5% on Gap and Gap Inc. brands (Gap, Banana Republic, Athleta, Old Navy), with 1% on most other purchases. With no fee, the question is simply whether 5% on Gap and Gap Inc. brands (Gap, Banana Republic, Athleta, Old Navy) beats what your current card earns there.

Who it's for

✓ People who spend steadily on Gap and Gap Inc. brands (Gap, Banana Republic, Athleta, Old Navy), where it earns 5%
✓ Anyone who wants Gap and Gap Inc. brands (Gap, Banana Republic, Athleta, Old Navy) rewards without paying an annual fee

Who should skip it

— Heavy spenders outside Gap and Gap Inc. brands (Gap, Banana Republic, Athleta, Old Navy) — everything else earns 1%

First-year value estimate

Welcome bonus

Rewards on spending

$240

Annual fee (year 1)

−$0

Year 1, before credits

$240

Year two, without the welcome bonus: about $240 before credits ($240 in rewards minus the $0 fee).

Assumptions

$3,000 a year in Gap and Gap Inc. brands (Gap, Banana Republic, Athleta, Old Navy) (5%) and $9,000 on everything else (1%) — $12,000 total, about $1,000 a month.
Rewards valued at 1¢ per point or 1% cash back (cash-equivalent).
The welcome offer is 25% off a first purchase; it is not given a dollar value here because it depends on what you buy.
No annual fee in any year.

An illustration, not a promise of value. Change the spending to match yours; rewards are not cash until redeemed. Card data reviewed 2026-10-02.

How it compares

Blue Cash Everyday →

American Express, same $0 annual fee; earns 3% on gas.

Bank of America Customized Cash Rewards →

Bank of America, same $0 annual fee; earns 6% on Choice Category.

Bank of America Travel Rewards →

Bank of America, same $0 annual fee; earns 1.5% on everything.

Compare side by side →

Frequently asked questions

Does the Gap Encore Mastercard have an annual fee?: No. Our record lists a $0 annual fee for the Gap Encore Mastercard.
What does the Gap Encore Mastercard earn?: 5% on Gap and Gap Inc. brands (Gap, Banana Republic, Athleta, Old Navy), 3% on all eligible retail apparel brands, and 1% on other purchases.
Is the Gap Encore Mastercard worth it in the first year?: Using our illustration ($12,000 of yearly spending, $3,000 of it in Gap and Gap Inc. brands (Gap, Banana Republic, Athleta, Old Navy)), the first year comes out around $240 before credits, including a welcome bonus valued at $0. Year two drops to about $240 before credits.
What credit do I need for the Gap Encore Mastercard?: Our record lists "Good" credit as the typical target for the Gap Encore Mastercard. Barclays makes the final decision based on its own criteria.

Earning Rates

5×Gap and Gap Inc. brands (Gap, Banana Republic, Athleta, Old Navy)5x points per $1 at Gap and Gap Inc. family of brands

3×All eligible retail apparel brands3x points per $1 spent at all other eligible retail apparel brands

1×All other purchases1x point per $1 on all other purchases

Other Benefits

Insurance

Sources

Last Updated: Oct 2, 2026