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
Old Navy Encore Mastercard®
This card is built for regular Old Navy and Gap brand shoppers who want a no-annual-fee store rewards card and do not need travel perks or elevated everyday earnings. In practice, it works more like a brand-loyalty card than a general spending card.
Welcome Offer
30 Points
Annual Fee
$0
Rec. Credit Score
Excellent
Good For
Gap brand loyalists
All information about Old Navy Encore Mastercard® has been collected independently by MaxRewards. Old Navy 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 Old Navy Encore Mastercard® worth it?
This card is great for...
Frequent Old Navy shopping
Gap family brand purchases
No annual fee store rewards
The Old Navy Encore Mastercard is worth considering if you shop often across Old Navy, Gap, Banana Republic, or Athleta and want a simple way to keep earning brand rewards without paying an annual fee. Its appeal is straightforward: it keeps you inside the Gap rewards ecosystem and gives you Mastercard acceptance for purchases outside the brand family.
For most readers, though, this is not a strong everyday card. The listed base earn rate is just 1% back in Gap points on general purchases, which is easy to beat with a basic cash back card, and the benefits are very limited outside brand-specific redemption options. The very high APR also makes this a poor card to carry a balance on. It fits best as a store card for committed Gap brand shoppers, not as a primary wallet card.
MaxRewards Verdict
A reasonable pick for loyal Gap family shoppers who want no-annual-fee brand rewards and plan to redeem them with the retailer. Outside that use case, the weak everyday return and limited perks make it hard to recommend as a main card.
Welcome Offer
30 Points
after you spend $1 on purchases on your new card in your first 1 months of card membership.
Est. Value
$0.30
Required Spend
$1
Time Frame
1 Month
Est. Value
$0.30
Required Spend
$1
Time Frame
1 Month
Earning
Rewards
This card earns Gap points, so the value depends on how often you shop within the brand family and how easily you can use those rewards. The key question here is not complexity, it is whether store rewards are more useful to you than flexible cash back.
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.
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After you spend $5,000 on purchases on your new card in your first 5 months of card membership.
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Annual Fee
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Rec. Credit
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70,000 Points
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After you spend $1,000 on purchases on your new card in your first 3 months of card membership.
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Annual Fee
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Rec. Credit
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