Old Navy Encore Mastercard
No annual fee. Purchase APR 33.49%, variable.
- 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: not counted: 3x all eligible retail apparel brands; 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
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, for eligible program members.
- Free shipping is available on eligible online orders. The product page states orders of $35 or more; detailed terms state eligible All-Access members receive free standard shipping at $35 or more, while Premier and Core members receive free shipping at $50 or more, subject to program terms and other restrictions.
- Redeem points in the Encore Market for exclusive products, offers, and experiences.
- $0 fraud liability protection for unauthorized purchases.
- Complimentary online access to a FICO Score, subject to account eligibility and Barclays' discretion; the feature may be removed at any time.
- Digital wallet support, including Apple Pay and Google Pay.
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
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).