Athleta Encore Mastercard®
20 percent discount welcome bonus. No annual fee.
- Welcome offer
- Issuer's pagecards.barclaycardus.com
“Receive 20% Off”
- Annual fee
- Issuer's pagecards.barclaycardus.com
“$0 Fraud Liability Protection”
- Purchase APR
- Issuer's pagecards.barclaycardus.com
“Purchases – 33.49%”
- Foreign transaction fee
- CFPB credit card surveyReported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $120 | $120 |
| Typical spender | $300 | $300 |
| Heavy spender | $660 | $660 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Assumed: points valued at an assumed 1¢.
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- No annual fee, like about 85% of the 626 cards we track.
- Worth more to a typical spender than about 70% of the 650 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Welcome offer
20 discount
Make a first purchase with the new card at Athleta.
Receive 20% off the first purchase. The offer is subject to credit approval and is valid only in the U.S., including Puerto Rico. It excludes gift cards, shipping, taxes, merchandise sold and shipped by third-party sellers, other Gap Inc. brands, and the Clearance Center. Discounts cannot be combined with the Gap Inc. employee discount, and the First Purchase and Family of Brands discounts cannot be combined.
How you earn · Encore Market
- 5× pointsthe Gap Inc. family of brands
- 3× pointsall eligible retail apparel brands
- 1× pointsEverything else
Rates and fees
| Annual fee | Issuer's pagecards.barclaycardus.com “$0 Fraud Liability Protection” |
|---|---|
| Purchase APR | Issuer's pagecards.barclaycardus.com “Purchases – 33.49%” |
| Balance transfer APR | Issuer's pagecards.barclaycardus.com “Balance Transfers – 33.49%, when using your Mastercard .” |
| Balance transfer fee | Issuer's pagecards.barclaycardus.com “Balance Transfer – Either $5 or 5% of the amount of each transfer, whichever is greater, when using your Mastercard.” |
| Cash advance APR | Issuer's pagecards.barclaycardus.com “33.49%” |
| Foreign transactions | CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
Carrying a balance? See how long it takes to pay off
Benefits
- No annual fee.
- Early access and partner perks, including special events, discounts, and other perks.
- Free standard shipping for eligible All-Access program members on online orders of $35 or more when using a Gap Inc. credit card or Encore Credit Card.
- Free standard shipping for eligible Premier members on online orders of $50 or more.
- Free basic shipping for eligible Core members on online orders of $50 or more.
- Points can be redeemed in the Encore Market for exclusive products, offers, and experiences or on purchases at Gap Inc. brands.
- Digital wallet support, including Apple Pay and Google Pay.
- $0 fraud liability protection for unauthorized purchases.
- Complimentary online access to FICO® Score may be available for open, active, and good-standing accounts; access is offered at Barclays' discretion and may be removed at any time.
Questions
- What is the annual fee?
- $0 cards.barclaycardus.com, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- Yes: 3%. Reported to the CFPB, Dec 31, 2025, since Oct 4, 2026
- What is the purchase APR?
- 33.49% APR cards.barclaycardus.com, since Oct 1, 2026
- Is there a welcome bonus?
- 20 percent discount. cards.barclaycardus.com, since Sep 29, 2026
Other points cards with no annual fee
- GM Business MastercardBarclays · No annual fee+$600 a year
- GM Rewards MastercardBarclays · No annual fee+$600 a year
- CareCredit MastercardSynchrony · No annual fee+$410 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).