Retail card · Barclays
Gap Encore Mastercard
Gap Encore Mastercard is the card for Gap shoppers: 5 points per dollar at Gap brands, with no annual fee as of 2026. Annual fee: No annual fee (as of 2026).
Card facts
| Issuer | Barclays |
|---|---|
| Network | Visa |
| Type | Retail |
| Annual fee | No annual fee (as of 2026) |
| Rewards | 5 points per dollar at Gap, Old Navy, Banana Republic and Athleta, 2 points per dollar at gas stations and grocery stores, and 1 point per dollar on everything else. |
| Interest rate | Variable — the issuer's official page lists the current rate. |
Every fact above is taken from the sources listed below; anything no source states is left blank rather than guessed. Annual fees and rewards change — every figure on this page carries its year, and the issuer's official page is always the current one.
Rewards, in plain words
5 points per dollar at Gap, Old Navy, Banana Republic and Athleta, 2 points per dollar at gas stations and grocery stores, and 1 point per dollar on everything else.
Who it is built for
Built for shoppers at Gap, Old Navy, Banana Republic and Athleta.
Current details — visit the official Gap Encore Mastercard page. Annual fees, rewards and interest rates change; the issuer's own page is always the current one.
More cards from Barclays
Other cards from the same issuer in this library.
- Frontier Airlines World Mastercard · Airline · $99 (as of 2026)
- GM Rewards Card · Retail · No annual fee (as of 2026)
- Hawaiian Airlines World Elite Mastercard · Airline · $99 (as of 2026)
- JetBlue Business Card · Business · $99 (as of 2026)
- JetBlue Card · Airline · No annual fee (as of 2026)
- JetBlue Plus Card · Airline · $99 (as of 2026)
More Retail cards
Amazon Prime Visa
5% back at Amazon and Whole Foods Market for Prime members, 2% back at restaurants, gas stations and on local transit and commuting, and 1% back on everything else.
Amazon Store Card
5% back at Amazon for Prime members (3% back for non-members), in the form of a statement credit.
BJ's One+ Mastercard
5% cash back at BJ's, 2% cash back on dining and gas, and 1% cash back on everything else.
Bloomingdale's Credit Card
3% back in rewards at Bloomingdale's, 2% back at restaurants, and 1% back on everything else.
Frequently asked questions
What is the Gap Encore Mastercard?
Gap Encore Mastercard is the card for Gap shoppers: 5 points per dollar at Gap brands, with no annual fee as of 2026.
Does the Gap Encore Mastercard have an annual fee?
No — the card has no annual fee (No annual fee (as of 2026)).
What rewards does the Gap Encore Mastercard earn?
5 points per dollar at Gap, Old Navy, Banana Republic and Athleta, 2 points per dollar at gas stations and grocery stores, and 1 point per dollar on everything else.
Who issues the Gap Encore Mastercard?
The Gap Encore Mastercard is issued by Barclays and runs on the Visa network.
Sources
- https://cards.barclaycardus.com/banking/cards/gap-encore-mastercard/ — Gap's card page
- https://cards.barclaycardus.com/banking/cards/ — Issuer's card list
Page last updated 14 November 2026.