Old Navy Encore Mastercard
This card is for people who buy most of their clothes at Old Navy and the other Gap Inc. brands. It earns 5 points per $1 there, 3 per $1 at other eligible apparel stores and 1 per $1 everywhere else Mastercard is accepted, with no annual fee. Points are worth $1 per 500 and go back to Gap Inc. brands or the Encore Market. The caveat: at 500 points per dollar, spending outside Gap Inc. brands earns the equivalent of 0.2%, and the purchase APR is 33.24% Variable.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 5 points per $1 at Old Navy and the other Gap Inc. brands
- Works anywhere Mastercard is accepted
- No annual fee
- $0 fraud liability protection
- Annual fee: $0
- Regular purchase APR: 33.24% Variable
- Balance transfer fee: Either $5 or 5% of the amount of each transfer, whichever is greater
- Cash advance APR: 33.24% Variable
- Rates and offers verified on the issuer's website on September 30, 2026 and may change.
- Old Navy and the Gap Inc. brands are where you shop for clothes.
- You want those purchases to earn toward the next one.
- You pay in full every month.
- You should skip it if you want a card for everyday spending: outside Gap Inc. brands it earns the equivalent of 0.2%.
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Approved at 670 to 739
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