Barclays
Old Navy Encore Mastercard
Key Features
| Annual Fee | $0.00 |
| Regular APR | Purchases – 33.24% This APR will vary with the market based on the Prime Rate. Balance Transfers – 33.24%, when using your Mastercard. This APR will vary with the market based on the Prime Rate. 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 Old Navy Encore Mastercard is a very niche card with limited value for most consumers. While it offers a high rewards rate within the Gap Inc. family of brands and has no annual fee, these benefits are overshadowed by an extremely high APR and Barclays' poor customer service reputation. The high APR makes it a risky choice for anyone who might carry a balance, negating the value of the rewards. Its reputation is tarnished by negative user experiences and a lack of broader financial appeal. The target audience is very specific: loyal Old Navy shoppers who always pay their bills in full. The value proposition is poor due to the high cost of carrying a balance outweighing any potential rewards, leading to a low overall rating.
Pros & Cons
What's great
- No annual fee
- Generous sign-up bonus
- Rewards on purchases
- Fraud protection
- Free FICO score
Things to consider
- High APR
- High balance transfer fee
- Limited rewards categories
What this card offers
Sign-up bonuses
- Receive 30% off your first purchase with your new card at Old Navy
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
Other features
- 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 Score
- Free shipping on all online orders $35 or more
Additional Notes
By applying, you agree that you’ll first be considered for the Old Navy Encore Mastercard which can be used anywhere Mastercard is accepted. If not approved for the Mastercard, you’ll then automatically be considered for the Old Navy Encore Credit Card which can be used across all Gap Inc. stores and online.