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Barclays US (Barclays Bank Delaware) · Mastercard
Gap Encore Mastercard®
The Gap Encore Mastercard® is a Mastercard from Barclays US (Barclays Bank Delaware) with an annual fee of $0. Here is what we hold on it, and what we do not.
Welcome offerSee offer below
Opens Barclays US (Barclays Bank Delaware)’s site
Bank with branches in: Delaware (1). Where it has branches is not a rule on who may apply.
Source: FDIC BankFind (api.fdic.gov) · read Oct 7, 2026
Ledger entry
The receipt
Every cost line we hold for the Gap Encore Mastercard®, exactly as recorded.
- Annual fee
- $0Checked cards.barclaycardus.com
- Supplementary card
- Not confirmed
- Foreign transaction
- Not confirmedWe couldn't verify this · check with the issuer
- Purchase APR
- 33.24%Checked cards.barclaycardus.com
- Income requirement
- Not confirmed
- Network
- Mastercard
- Credit needed
- Not confirmed
Sign-up
The welcome offer
Welcome bonus | Receive 20% off your first purchase with your new card at Gap
Checked cards.barclaycardus.comRewards
What it earns
Published category multipliers for the Gap Encore Mastercard®.
| Category | Earn rate | Cap |
|---|---|---|
| Gap Inc. family of brands | 5x | No cap on file |
| all eligible retail apparel brands | 3x | No cap on file |
| Other | 1x | No cap on file |
Included
Perks & benefits
Card benefits
- Special events, discounts, and other top perks
- Apple Pay and Google Pay support
- Redeem points for exclusive products, offers, and experiences
- Zero fraud liability for unauthorized charges
- Complimentary online access to FICO Credit Score
- Free shipping offers for eligible members
Next step
Ready to apply for the Gap Encore Mastercard®?
You'll finish the application on Barclays US (Barclays Bank Delaware)'s own site. Terms can change without notice, so check the fee and offer there before you commit.
Apply nowOpens Barclays US (Barclays Bank Delaware)’s site
Questions
Questions about the Gap Encore Mastercard®
How much is the Gap Encore Mastercard® annual fee?
The Gap Encore Mastercard® has an annual fee of $0. Weigh that against the rewards and perks you will actually use.
What does the Gap Encore Mastercard® earn?
The Gap Encore Mastercard® earns 5x on Gap Inc. family of brands, plus published rates on 2 other categories. The full table is on this page.
What network is the Gap Encore Mastercard® on?
The Gap Encore Mastercard® runs on the Mastercard network, which determines where it is accepted and which network-level benefits apply.
Is the Gap Encore Mastercard® available in United States?
Yes — the Gap Encore Mastercard® is issued by Barclays US (Barclays Bank Delaware) and is available to eligible applicants in United States. Approval depends on the issuer's own credit and income criteria.
When were the Gap Encore Mastercard® figures last checked?
We checked its annual fee in September 2026, its purchase APR in September 2026, its earn rates in September 2026 and its welcome offer in September 2026, each against a published document. We could not verify, so we do not print: foreign transaction fee. Check them with Barclays US (Barclays Bank Delaware). Terms can change without notice, so confirm the current details with Barclays US (Barclays Bank Delaware) before you apply.