Barclays
Old Navy Encore Mastercard
Estimated value every year on typical spending
$125/ year
Every year, after the annual fee. No welcome bonus.
Based on a typical ~$2,600/month of spending. Points valued conservatively; confirm terms with the issuer.
Carry a balance? At 20%+ APR, interest usually costs more than any card earns.
Is it worth it?
With no annual fee, the Barclays Old Navy Encore Mastercard can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $125 a year on typical spending.
Its rewards are Gap Inc. rewards, which only spend with one merchant, so we count them at 50% of face value.
The fine print
- Intro APR
- Not applicable
- Regular APR
- 33.49% variable
- Foreign fee
- Not specified
- Top perk
- Early access & partner perks with special events, discounts, and other top perks
- Approval
- Good credit recommended
- Redeem for
- Travel portal · Airline & hotel transfers · Statement credit · Gift cards
Rewards
- 5X points per $1 at the Gap Inc. family of brands
- 3X points at eligible retail apparel brands
- 1X points on all other purchases
Sign-up bonus
30% off your first purchase with your new card at Old Navy
Best for
- Travelers who redeem points
- Keeping costs at $0
Not ideal for
- Anyone who doesn't shop there often (rewards are Gap Inc. rewards, so we count them at half value)
- People who want plain cash back
Trade-offs: Better travel value ↔ less straightforward than cash back; No annual fee ↔ lower category bonuses.
Worth knowing
- Annual fee
- $0
- Intro APR
- Not applicable
- Regular APR
- 33.49% variable
- Balance transfer fee
- Either $5 or 5% of the amount of each transfer, whichever is greater, when using your Mastercard.
- $1200/mo on everyday spending earns about $58/year (0.4x).
Offer history
No changes to the fee, welcome offer or intro APR since we started checking this card daily on Oct 26, 2026.
Old Navy Encore Mastercard: questions people ask
Is the Barclays Old Navy Encore Mastercard worth it?
With no annual fee, the Barclays Old Navy Encore Mastercard can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $125 a year on typical spending.
What is the Barclays Old Navy Encore Mastercard annual fee?
The Barclays Old Navy Encore Mastercard has no annual fee ($0).
What is the Barclays Old Navy Encore Mastercard welcome bonus?
Receive 30% off your first purchase with your new card at Old Navy. We check the issuer's page daily; it hasn't changed since we started tracking on Oct 26, 2026.
What does the Barclays Old Navy Encore Mastercard earn?
5X points per $1 at the Gap Inc. family of brands. 3X points at eligible retail apparel brands. 1X points on all other purchases.
What credit score do you need for the Barclays Old Navy Encore Mastercard?
The issuer doesn't say; we'd class it as: good credit recommended. Checking your matches on CardFit never runs a credit check.
Does the Barclays Old Navy Encore Mastercard charge foreign transaction fees?
The issuer's page doesn't say. Check before using it abroad.
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Card details are collected from issuer websites and were last refreshed October 29, 2026. Source: Barclays product page. Terms change often; confirm them with the issuer before you apply.