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✓ Annual fee checked
Barclays US (Barclays Bank Delaware) · Mastercard

Old Navy Encore Mastercard®

No Annual FeeRewardsStore & Retail

The Old Navy 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.

Not every figure here is checked

Checked against a published document: annual fee (Sep 2026), purchase APR (Sep 2026), earn rates (Sep 2026), welcome offer (Sep 2026). Not yet checked with Barclays US (Barclays Bank Delaware): credit requirement. Barclays US (Barclays Bank Delaware)’s own page is authoritative — confirm anything you rely on there before you apply.

Annual fee$0per yearChecked cards.barclaycardus.com
Top earn rate5xon Gap Inc. family of brandsChecked cards.barclaycardus.com
Welcome offerSee offer below
Apply on Barclays US (Barclays Bank Delaware)Compare this card
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 Old Navy 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
FairNot yet checked with Barclays US (Barclays Bank Delaware)
Sign-up

The welcome offer

Welcome bonus | Receive 30% off your first purchase with your new card at Old Navy

Checked cards.barclaycardus.com
Rewards

What it earns

Published category multipliers for the Old Navy Encore Mastercard®.

CategoryEarn rateCap
Gap Inc. family of brands5xNo cap on file
all eligible retail apparel brands3xNo cap on file
Other1xNo cap on file
Checked cards.barclaycardus.com
Included

Perks & benefits

Card benefits

  • Points redeemable in the Encore Market for exclusive products, offers, and experiences
  • Special events, discounts, and other top perks
  • Apple Pay and Google Pay support
  • 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 Old Navy 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 Old Navy Encore Mastercard®

How much is the Old Navy Encore Mastercard® annual fee?

The Old Navy Encore Mastercard® has an annual fee of $0. Weigh that against the rewards and perks you will actually use.

What does the Old Navy Encore Mastercard® earn?

The Old Navy 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 Old Navy Encore Mastercard® on?

The Old Navy Encore Mastercard® runs on the Mastercard network, which determines where it is accepted and which network-level benefits apply.

Is the Old Navy Encore Mastercard® available in United States?

Yes — the Old Navy 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 Old Navy 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. Not yet checked with Barclays US (Barclays Bank Delaware): credit requirement. 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.