Review
Barclays Athleta Encore Mastercard® Review: Great Rewards for Brand Loyalists
Earning rewards on your Athleta purchases can be easy with the Athleta Encore Mastercard®, but is it the right fit for your spending habits? Our review breaks down the rewards, rates, and fees to help you decide.
| 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. |
| Rewards Rate | 1x-5x points |
| Sign-up Bonus | 25% off first Athleta purchase |
| Other Fees | Balance transfer fee Either $5 or 5% of the amount of each transfer, whichever is greater, when using your Mastercard. |
Overview
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
Benefits
Drawbacks
Decision Guidance
Summary
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 b...