Gap Encore Mastercard
No annual fee, earning Gap Encore Points, on the Mastercard network.
Card terms last verified against issuer pages on 2026-09-20.
The Gap Encore Mastercard is a no annual fee card from Barclays earning Gap Encore Points. It earns 25x on gap, 15x on clothing and 5x on everything else. We have no recurring statement credits on file for this card.
What it earns
Rates are the multipliers Barclays advertises. We do not convert them into a percentage return, because that requires putting a price on Gap Encore Points and that price is a judgement, not a fact — see how we source this.
| Category | Rate | Notes |
|---|---|---|
| Gap | 25x | |
| Clothing | 15x | |
| Other | 5x | Everything else |
Other perks
Benefits that are not dollar statement credits — certificates, lounge visits, point bonuses. Where a value appears it is an estimate, not an amount the issuer credits you, and it is excluded from the credits total above.
| Perk | How often | Estimated value |
|---|---|---|
| Choose-Your-Own Sale DayChoose your own sale day once per year: an All-Access exclusive personalized 20% off discount you can apply to a shopping day of your choice at Gap Inc. brands. | Once a year | ~$20 |
| Birthday GiftReceive a birthday gift each year, with gifts you can use to shop for yourself and up to three family members. | Once a year | ~$10 |
| 60-Day Extended ReturnsExtended return window of up to 60 days from purchase at Gap Inc. brands (merchandise credit issued after 30 days). | Once a year | — |
| Encore Market AccessAccess the Encore Market: rotating exclusive offerings including never-before-sold and limited-run products, signed designer merchandise, entertainment experiences (AMC, Live Nation), charitable donations, and VIP brand events redeemable with points. | Once a year | — |
| Complimentary FICO Credit ScoreKeep an eye on your credit with complimentary online access to your FICO Credit Score. | Once a year | — |
Status and included memberships
- Free Standard Shipping — As an All-Access Encore member, get free standard shipping on orders of $35 or more at Gap, Old Navy, Banana Republic and Athleta when you pay with your Encore Mastercard (vs. the $50 threshold for non-cardmembers).
- Free Basic Alterations — Free basic alterations (hemming) on eligible apparel purchased at Banana Republic in-store or online, exclusive to All-Access Encore cardmembers.
- Early Access to Collections & Drops — Early access to shop limited collections, drops and select sales before the general public, exclusive to All-Access Encore members.
Questions people ask about the Gap Encore Mastercard
What is the annual fee on the Gap Encore Mastercard?
The Gap Encore Mastercard has no annual fee.
What does the Gap Encore Mastercard earn?
25x on gap, 15x on clothing, 5x on other, and 5x on everything else, in Gap Encore Points.
Does the Gap Encore Mastercard charge foreign transaction fees?
Yes — the Gap Encore Mastercard charges a foreign transaction fee on purchases made outside the United States.
