Barclays
Gap Encore Mastercard
Key Features
| Annual Fee | $0.00 |
| Sign-up Bonus | 20% off first Gap purchase |
| Rewards Rate | 1X-5X points on all purchases |
| 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 Gap Encore Mastercard presents a mixed bag. Its strengths lie in the lack of an annual fee and the potential for decent rewards within the Gap family of brands. However, these are overshadowed by significant weaknesses, primarily the extremely high APR and the high balance transfer fee. The limited redemption options and the card's overall lack of flexibility further detract from its value. The rewards structure, while decent for Gap loyalists, isn't compelling enough for broader appeal, especially considering the high cost of carrying a balance. Given these factors, the card is only fair and suitable for a narrow audience who consistently shop at Gap and always pay their balance in full.
Pros & Cons
What's great
- No annual fee
- Cashback on purchases
- High rewards rate for specific retail categories
- Sign-up bonus
- Complimentary FICO score access
- Fraud protection
Things to consider
- High regular APR
- No intro APR period
- Limited rewards categories
- High balance transfer fee
What this card offers
Sign-up bonuses
- Receive 20% off your first purchase with your new card at Gap
Rewards
- Earn 5X points for every $1 spent at the Gap Inc. family of brands
- Earn 3X points for every $1 spent at all eligible retail apparel brands
- Earn 1X points for every $1 spent everywhere else 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. brands
Other features
- Free shipping on all online orders $35 or more
- Early access & partner perks with special events, discounts, and other top perks
- $0 fraud liability protection on purchases you did not authorize
- Enjoy Flexibility of Digital Wallets Such as Apple Pay and Google Pay
- Encore Market Redeem points for exclusive products, offers, and experiences
- Complimentary FICO Score Keep an eye on your credit with complimentary online access to FICO Credit Score
- No Annual Fee
Additional Notes
By applying, you agree that you’ll first be considered for the Gap Encore Mastercard which can be used anywhere Mastercard is accepted. If not approved for the Mastercard, you’ll then automatically be considered for the Gap Encore Credit Card which can be used across all Gap Inc. stores and online. The Gap Inc. Encore Mastercard is issued by Barclays Bank Delaware pursuant to a license from Mastercard International Incorporated.