Does the Old Navy Encore Mastercard have an annual fee?

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

What does the Old Navy Encore Mastercard earn?

5% on Old Navy and Gap Inc. brands, 3% on all eligible retail apparel brands, and 1% on other purchases.

Is the Old Navy Encore Mastercard worth it in the first year?

Using our illustration ($12,000 of yearly spending, $3,000 of it in Old Navy and Gap Inc. brands), 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 Old Navy Encore Mastercard?

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

Old Navy Encore Mastercard®

Barclays

No Annual Fee

Annual Fee

mastercardGoodcash-backno-annual-fee17 days ago

Welcome Offer

30% off first purchase0

OpenCard analysis

Is the Old Navy Encore Mastercard right for you?

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

Editor's note

This is the Old Navy Encore Mastercard. Its value is concentrated at Old Navy and Gap Inc. brands (5 points per $1) and other eligible apparel retailers (3 points per $1); everything else earns 1 point. The welcome offer is 30% off a first Old Navy purchase rather than a cash bonus, so it suits regular Old Navy and Gap shoppers better than it works as a primary card.

Checked against the issuer's page on 2026-10-18.

Who it's for

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

Who should skip it

— Heavy spenders outside Old Navy and Gap Inc. brands — 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 Old Navy and Gap Inc. brands (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 30% 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 Old Navy Encore Mastercard have an annual fee?: No. Our record lists a $0 annual fee for the Old Navy Encore Mastercard.
What does the Old Navy Encore Mastercard earn?: 5% on Old Navy and Gap Inc. brands, 3% on all eligible retail apparel brands, and 1% on other purchases.
Is the Old Navy Encore Mastercard worth it in the first year?: Using our illustration ($12,000 of yearly spending, $3,000 of it in Old Navy and Gap Inc. brands), 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 Old Navy Encore Mastercard?: Our record lists "Good" credit as the typical target for the Old Navy Encore Mastercard. Barclays makes the final decision based on its own criteria.

Earning Rates

5×Old Navy and Gap Inc. brands5x points per $1 at Old Navy 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