Barclays
Athleta Encore Mastercard®
Key Features
| Annual Fee | $0.00 |
| Regular APR | APR for purchases 33.24% This APR will vary with the market based on the Prime Rate. APR for balance transfers 33.24%, when using your Mastercard. This APR will vary with the market based on the Prime Rate. APR for cash advances 33.24%, when using your Mastercard. This APR will vary with the market based on the Prime Rate. |
| Other Fees | Balance transfer fee Either $5 or 5% of the amount of each transfer, whichever is greater, when using your Mastercard. |
| Network | Mastercard |
About this card
The Athleta Encore Mastercard presents a mixed bag, heavily influenced by its extremely high APR. While it offers a valuable rewards program for Athleta and Gap Inc. loyalists, the APR significantly undermines its value for anyone who might carry a balance. The lack of an annual fee is a plus, but the high APR and balance transfer fees offset this benefit. The card's reputation is polarized, with brand enthusiasts appreciating the rewards while others criticize the high interest rates. Given these factors, the card is best suited for a very specific type of consumer who is diligent about paying their balance in full and frequently shops at Athleta and related brands. The APR issue is severe enough to drag down the overall rating significantly. The good credit tier is also misleading, as many other cards offer much better terms for individuals with good credit.
Pros & Cons
What's great
- No annual fee
- Generous sign-up bonus
- Rewards on purchases
- Free shipping on orders over $35
- Fraud protection
Things to consider
- High regular APR
- High balance transfer fee
- Limited rewards categories
What this card offers
Sign-up bonuses
- Receive 25% off your first purchase with your new card at Athleta
Rewards
- Earn 5X points for every $1 spent at the Gap Inc. family of brands
- Earn 3X points for every $1 at all eligible retail apparel brands
- Earn 1X points for every $1 spent everywhere else where Mastercard® is accepted
- 500 Points = $1 Reward redeemable in the Encore Market with exclusive products, offers, and experiences or on purchases at the Gap Inc. family of brands
Other features
- Free shipping on all online orders $35 or more
- Early access & partner perks with special events, discounts, and other top perks
- Redeem points in Encore Market for exclusive products, offers, and experiences
- $0 fraud liability protection on purchases you did not authorize
- Enjoy Flexibility of Digital Wallets Such as Apple Pay and Google Pay
- Complimentary FICO® Score Keep an eye on your credit with complimentary online access to FICO Credit Score7
Additional Notes
By applying, you agree that you’ll first be considered for the Athleta Encore Mastercard which can be used anywhere Mastercard is accepted. If not approved for the Mastercard, you’ll then automatically be considered for the Athleta Encore Credit Card which can be used across all Gap Inc. stores and online.