Old Navy Encore Mastercard (Barclays)

Old Navy Encore Mastercard (Barclays) card art

Barclays · Credit card · Store & shopping

3.0 Debt Sunset rating vs. other store & shopping cards

Points across Gap Inc. brands for frequent Old Navy shoppers.

Rates, fees and offers

Regular APR
Variable APR above 33% reported; see Barclays' rates and terms.
Annual fee
$0
Promo offers
None currently advertised
Balance transfer fee
See issuer terms
Rewards
Bonus points at Old Navy, Gap, Banana Republic and Athleta, and points everywhere else. A store-only version is also offered.

Checked September 26, 2026. Offers and rates change often, and your APR depends on your credit. See the issuer’s current terms ↗

Notes

Store cards often have very high APRs. Pay the balance in full each month, or pay it off first if you're working down debt.

Paying and contacting Barclays

Pay by mail

The issuer doesn’t publish one address for everyone. Use the payment address printed on your statement.

See all Barclays cards → · Search all cards

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