THE CARDTUNED DATABASE
Athleta Encore Mastercard
Issuer: Barclays US · Network: Mastercard
5X at Gap Inc. brands (25 points per $1); 3X at eligible non-Gap apparel retailers (15 points per $1); 1X everywhere else (5 points per $1)
- Annual fee
- $0
- Foreign transaction fee
- 3%
- Intro APR
- No introductory APR
- Regular APR
- 33.24% variable APR for purchases, balance transfers and cash advances
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Current offer
20% off the first qualifying purchase made with the new card at Athleta; exclusions apply
- Spending requirement
- First qualifying Athleta purchase
- Time window
- Within 14 days of account opening
Offer last checked: 2026-09-08
Earning rates
Scroll the table horizontally on smaller screens.
| Category | Rate | Eligible purchases and conditions |
|---|---|---|
| Eligible purchases | 5X | at Gap Inc. brands (25 points per $1) |
| Eligible purchases | 3X | at eligible non-Gap apparel retailers (15 points per $1) |
| Eligible purchases | 1X | everywhere else (5 points per $1) |
Additional benefits
• All-Access members receive free standard shipping on eligible $35+ orders
Restrictions to know
Rewards apply only to eligible net purchases. Returns, credits, balance transfers, cash advances, fees, interest and cash-equivalent transactions do not earn points. Bonus eligibility depends on participating brands, eligible apparel-retailer classification and merchant coding. First-purchase discounts, shipping benefits and Encore status benefits have separate exclusions and terms. The first-purchase code expires 14 days after account opening.
Who can apply
U.S. applicant; subject to Barclays credit approval and identity verification. Encore rewards-program terms apply.
Credit profile: Issuer underwriting applies; no universal public score cutoff