Review
Barclays Old Navy Encore Mastercard Review: Great Rewards for Brand Loyalists
If you're an Old Navy superfan, the Encore Mastercard could be your perfect match, earning you big rewards at your favorite stores; but watch out for the high APR.
| 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. |
| Rewards Rate | 1x-5x points |
| Sign-up Bonus | 30% off first Old Navy 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
- Fraud protection
- Free FICO score
Things to consider
- High APR
- High balance transfer fee
- Limited rewards categories
Benefits
Drawbacks
Decision Guidance
Summary
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 Ba...