90,000 Points
Worth $1,170
After you spend $5,000 on purchases on your new card in your first 3 months of card membership.
- 1.3%Everywhere
Annual Fee
$499
Rec. Credit
Excellent
Barclays
Athleta Encore Mastercard®
The Athleta Encore Mastercard® is built for loyal Athleta shoppers who want a no-annual-fee store card they can also use outside the brand. It works best as a niche retail rewards card, not as a primary everyday card for earning strong value on general spending.
Welcome Offer
20 Points
Annual Fee
$0
Rec. Credit Score
Excellent
Good For
Athleta brand loyalists
All information about Athleta Encore Mastercard® has been collected independently by MaxRewards. Athleta Encore Mastercard® is no longer available through MaxRewards.
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Overview
Is the Athleta Encore Mastercard® worth it?
This card is great for...
Athleta purchases
Brand-specific rewards
No annual fee retail card
This card is worth a look if you regularly shop with Athleta and want a simple way to earn brand rewards without paying an annual fee. In that role, it can make sense as a secondary card that stays in your wallet for Athleta purchases and occasional use if you value the retailer's points and redemption options.
For most readers, though, it is a narrow fit. The ongoing earn rate is only 1% on general purchases, the welcome offer is negligible, and the card does not bring the broader travel, cash-back, or protection benefits that make an everyday rewards card more useful. If you are not already a frequent Athleta customer, a general cash-back card will usually give you more flexible value.
MaxRewards Verdict
A reasonable pick for frequent Athleta shoppers who want brand rewards and a $0 annual fee. Outside that use case, the low everyday return and limited benefits make it hard to recommend as a main card.
Welcome Offer
20 Points
after you spend $1 on purchases on your new card in your first 1 months of card membership.
Est. Value
$0.20
Required Spend
$1
Time Frame
1 Month
Est. Value
$0.20
Required Spend
$1
Time Frame
1 Month
Earning
Rewards
This card earns GAP points, so the value depends mostly on how much you want rewards tied to the brand ecosystem. The key question here is simple: are you using it for Athleta loyalty, or are you looking for stronger everyday rewards elsewhere?
CategoryRate
Everywhere
1%
Rewards percent based on a valuation of 1¢ per GAP point
Benefits
More Benefits
Encore Market
Redeem points for exclusive products, offers, and experiences
Eligibility
Recommended Minimum Credit
Min: Excellent
Poor
Fair
Good
Excellent
Excellent credit or higher is recommended for this card.
Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.
Pricing
Rates & Fees
Annual Fee
$0
Purchase APR
33.24%
Variable
Transfer APR
33.24%
Variable
Cash Advance APR
33.24%
Variable
Foreign Transaction Fee
None
Late Payment
$41
Return Payment
$41
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Other cards from Barclays
See all 50 cards
100,000 Points
Worth $1,000
After you spend $5,000 on purchases on your new card in your first 5 months of card membership.
- 7%GM
- 3%Everywhere
Annual Fee
$0
Rec. Credit
Excellent
70,000 Points
Worth $910
After you spend $1,000 on purchases on your new card in your first 3 months of card membership.
- 7.8%JetBlue
- 2.6%Dining
- 2.6%Grocery
Annual Fee
$99
Rec. Credit
Excellent