Athleta Encore Mastercard®
5X points at Athleta and Gap Inc. brands with $0 annual fee
Earn 5X points per $1 at Athleta, Gap, Old Navy, and Banana Republic — effectively 5% back on every in-brand purchase. With a $0 annual fee, 20% off your first Athleta purchase, free shipping on online orders of $35 or more, and early access to select sales and events, this card turns regular Gap Inc. shopping into consistent savings.
- Annual Fee
- $0
- Highest rate (conditional)
- Up to 5X (Athleta)
Terms checked against the issuer on November 4, 2026
At a Glance
- Annual Fee
- $0
- Foreign Transaction Fee
- 3%
- Network
- Mastercard Standard
- Rewards Currency
- Gap Family
- Credit Required
- Excellent
Earning Rates
- 5X
Athleta
Earn 5X points for every $1 spent at Athleta
- 5X
Banana Republic
Earn 5X points for every $1 spent at Banana Republic
- 5X
Gap
Earn 5X points for every $1 spent at Gap
- 5X
Old Navy
Earn 5X points for every $1 spent at Old Navy
- 3X
Apparel
Earn 3X points for every $1 spent at all eligible retail apparel brands.
Earning Scenarios
5X Points at Athleta, Gap, Old Navy, and Banana Republic
Spend $200/month across Gap Inc. brands and earn $120 in rewards per year (5X points at 500 points = $1).
3X Points at Eligible Retail Apparel Brands
Spend $100/month at other eligible apparel brands and earn $36 in Gap Inc. rewards per year.
1X Point on All Other Mastercard Purchases
Spend $500/month on groceries, gas, and dining to earn $60 in Gap Inc. rewards per year.
Benefits & Perks
Insurance & Protections
2 protectionsZero Liability on unauthorized transactions
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
24/7 lost/stolen card assistance worldwide
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Reviews & Analysis
Third-Party Rankings & Ratings
| Publication | Rating | Rank | Notes |
|---|---|---|---|
| Supermoney | |||
| Upgraded Points | 2/5 |
How It Compares
The Athleta Encore Mastercard earns 5X points (5% back) at all Gap Inc. brands and 3X at other eligible apparel brands, with no annual fee. Points redeem at 500 points per $1 toward Gap Inc. brand purchases or in the Encore Market. The 1X rate on other purchases and 3% foreign transaction fee make it weak outside apparel and the Gap ecosystem.
Details & Terms
Payment Terms
| Purchase APR | 33.49% (Variable) |
| Cash Advance APR | 33.49% (Variable) |
| Foreign Transaction Fee | 3% |
Card Family
Gap Inc Rewards family
| Card | Tier | Annual Fee | Note |
|---|---|---|---|
| Gap Encore Mastercard | entry | — | |
| Old Navy Encore Mastercard | entry | — | |
| Banana Republic Mastercard | entry | — |
Media & Resources
Video Reviews
7 videosBanana Republic Credit Card Review 2025 | Worth It or Leave It?
Gap Credit Card Review - Old Navy, Banana Republic, Athleta, Too!
Athleta Rewards Credit Card Review 2026 | Worth It or Leave It?
Old Navy Navyist Rewards Card Review 2025 | Worth It or Leave It?
Old Navy Credit Card Review 2024 (+ Gap, Banana Republic, Athleta)
Athleta Rewards Mastercard: Test & Review in 2024
Third-Party Articles & Reviews
Athleta Rewards Program FAQ
Official Gap Inc. rewards program FAQ explaining how points are earned, redeemed, tier status levels, and program terms.
Athleta Rewards Mastercard® | Barclays US
Official Barclays landing page with full card details, earn rates, benefits, APR, fees, and terms.
5 Things to Know About the Athleta Rewards Mastercard
NerdWallet's overview of the Athleta Rewards Mastercard covering 5X rewards at Gap Inc. brands, no annual fee, and key considerations.
Best Retail Credit Cards of 2025
Money.com roundup of best retail credit cards including Gap Inc. family cards, comparing rewards rates and redemption options.
Athleta Rewards Mastercard® Reviews: Is It Any Good? (2026)
SuperMoney review covering APR, fees, rewards breakdown, pros and cons, and credit score requirements for the Athleta Rewards Mastercard.
Gap Good Rewards Mastercard®: Full Review [2026]
Upgraded Points comprehensive review of the Gap family rewards cards covering earn rates, redemption options, alternative cards, and whether the 5X rewards justify the high APR.
Athleta Rewards Mastercard Review: Earn Up to 5X Points + No Annual Fee
Hustler Money Blog review of the Athleta Rewards Mastercard benefits including 5X earn rate, family of brands bonus, and quarterly bonuses.
Is the credit card worth it? (Reddit)
Reddit community discussion on whether the Athleta Rewards card is worth it, with real cardholder experiences and promo usage tips.
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| Issuer Page | Issuer Page | |
| RewardsCC API | — | RewardsCC API |
| Issuer Page | Issuer Page: Earn rates | |
| Issuer Page | Issuer Page | |
| Issuer Page | Issuer Page | |
| Issuer Page | Issuer Page | |
| Issuer Page | Issuer Page | |
| Gap Inc. Official | Gap Inc. Official: Points valuation |
Top brands for this card
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
