MastercardGap Good Rewards Mastercard
5x across Gap, Old Navy, Banana Republic and Athleta, now under the Encore rewards banner.
Welcome Bonus
None
25% off your first purchase at Gap family brands
Spend Requirement
None
Annual Fee
$0
3% FTF
Credit Score
630+
(Fair-Good)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-06-11 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 5xGap, Old Navy, Banana Republic and Athleta
- 3xEligible retail apparel brands
- 1xAll other Mastercard purchases
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Covers all four Gap Inc. brands with one card
- ✦Up to 2,000 bonus points a year for shopping multiple Gap brands
- ✦Network version works anywhere, unlike the store-only Gap Good Rewards Credit Card sibling
Why it earns its spot
- +5x across four brands covers a lot of family clothing spend
- +3x at other apparel retailers is an unusual perk
- +No annual fee
Where it costs you
- −Points only redeem within the Gap family
- −1x everywhere else is forgettable
- −Program is mid-rebrand to Encore Membership Rewards, expect terms churn
The Compound Verdict
Gap rebranded the program toward Encore in 2026 but the math is unchanged: 5% back in store credit across brands a family actually shops. The multi-brand bonus is a nice touch. Outside apparel it earns nothing worth mentioning, so pair it with a real daily driver.
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