Gap Encore Mastercard®

This card is worth considering if you already spend regularly at Gap, Old Navy, Banana Republic, or Athleta and want to earn rewards without paying an annual fee. For that kind of shopper, it can be a convenient way to keep brand rewards in one place, and the Mastercard version gives you the option to use it beyond the store.

For most readers, though, this is not a strong primary card. The everyday earn rate is only 1 point per dollar, and with points valued at about 1 cent each, that is roughly 1% back on general spending. The welcome offer is also very small, and the card does not come with broader perks that would make it stand out. If you want a card for all-purpose spending, a general cash back card will usually offer better long-term value.