Gap Encore Mastercard
By Alex Compton · Last verified
5x across Gap, Old Navy, Banana Republic and Athleta, now under the Encore rewards banner.
Welcome Bonus
None
20% off your first purchase at Gap with your new card; code expires 14 days from account opening
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.
No numeric welcome bonus recorded
This product has no points- or cash-denominated offer to plot. Dated no-offer observations, non-points benefits, corrections, and primary-source links remain preserved in the table below.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-10-12 | 0 | No recorded spend | Terms reconfirmed20% off your first purchase at Gap with your new card; code expires 14 days from account opening | Barclays Gap Encore Mastercard product page → |
| 2026-06 | 0 | No recorded spend | Terms reconfirmed25% off first purchase | Archive record · no attached snapshot |
| 2024-06 | 0 | No recorded spend | Earliest record20% off first purchase, 14-day window | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- changed
Card renamed Gap Encore Mastercard; first-purchase discount is now 20% (code expires 14 days after opening); multi-brand bonus no longer listed.
Fields: name, currency, currentOffer, benefits, cons, ourTake
Barclays Gap Encore Mastercard product page →
Source checked 2026-10-12 · spot an outdated offer? Report a correction above.
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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
- ✦500 points equals a $1 Reward in the Encore Market
- ✦Network version works anywhere, unlike the store-only Gap Encore 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 was rebranded to Encore, so expect terms churn
The Compound Verdict
Gap rebranded the card and program to Encore but the math is unchanged: 5% back in store credit across brands a family actually shops. Outside apparel it earns nothing worth mentioning, so pair it with a real daily driver.
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