Gap Encore Mastercard® from Barclays: annual fee, APR and rewards

Fact sheet for the Gap Encore Mastercard®, issued by Barclays, with no annual fee and points. Every detail below comes from the issuer’s pricing and terms pages, checked on the date shown at the end of the page.

Issuer	Barclays
Network	Mastercard
Annual fee	$0
Rewards	Points: Earn 5X points for every $1 spent at the Gap Inc. family of brands; 3X points for every $1 at all eligible retail apparel brands; 1X points for every $1 spent everywhere else where Mastercard is accepted. 500 Points = $1 Reward.
Purchase APR	33.49%. This APR will vary with the market based on the Prime Rate.
Balance transfer fee	Either $5 or 5% of the amount of each transfer, whichever is greater, when using your Mastercard.
Sign-up bonus	Receive 20% off your first purchase with your new card at Gap
Foreign transaction fee	3% of each transaction
Credit level	Excellent, Good (tiers the issuer reports to the CFPB)

What new cardholders actually got

In the CFPB's Terms of Credit Card Plans survey for July to December 2025, new accounts on this card got a median purchase APR of 33.62%, with a range of 33.24% to 33.99%. The advertised range above is what the issuer offers today; the survey shows where approved applicants landed.

Source: Consumer Financial Protection Bureau, Terms of Credit Card Plans survey.