Gap Encore Mastercard®
- 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.
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
Details & Terms
Payment Terms
| Purchase APR | 33.49% (Variable) |
| Cash Advance APR | 33.49% (Variable) |
| Foreign Transaction Fee | 3% |
Media & Resources
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| Issuer Page | Issuer Page | |
| Issuer Page | — | Issuer Page |
| RewardsCC API | — | RewardsCC API |
| 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.
