Old Navy Encore Mastercard®
Barclays and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Barclays. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The Old Navy Encore Mastercard® from Barclays earns up to 1% effective value on dining in Madeen's catalog snapshot. It has no annual fee.
- Top category
- Dining
- Effective value
- 1%
- Annual fee
- $0
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 1x points.
What does the Old Navy Encore Mastercard earn in each category?
Dining is the strongest category at 1% effective value (1x points at about 1 cents each). That dining rate ranks higher than about 2% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Old Navy Encore Mastercard compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 1% effective value (1x points at about 1 cents each). That dining rate ranks higher than about 2% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Old Navy Encore Mastercard compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1x points | 1% Top category |
| Grocery Supermarkets and grocery stores | 1x points | 1% |
| Gas Gas stations and fuel | 1x points | 1% |
| Travel Flights, hotels, transit | 1x points | 1% |
| Other General everyday spend | 1x points | 1% |
Madeen values Gap Family at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the Old Navy Encore Mastercard?
The Old Navy Encore Mastercard fits spenders who put meaningful volume in dining and can earn 1x points. Best for spenders who put meaningful volume in dining and can earn 1x points.
Old Navy Encore Mastercard fits spenders who put meaningful volume in dining and can earn 1x points. Madeen ranks its dining effective rate higher than about 2% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 1x points.
Foreign transaction fees make it weaker for international spend. Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 1% effective (1x points).
- No annual fee in our catalog snapshot.
Cons
- Charges $3 foreign transaction fees.
- Gap Family value depends on how you redeem, not straight cash back.
Does the Old Navy Encore Mastercard have an annual fee?
The Old Navy Encore Mastercard has an annual fee of $0 and a foreign transaction fee of $3. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- $3
What benefits come with the Old Navy Encore Mastercard?
The Old Navy Encore Mastercard includes Family of Brands Bonus, Free Fast Shipping, Global emergency services in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Mastercard Transit Benefit
$200/yrSave when you tap and go with your eligible Mastercard and receive a $2.50 statement credit when you spend $10 or more each month at participating transit systems.
Instacart
$140/yrGroceries and more delivered in as fast as one hour. Get $10 off your second order each month, and new Instacart+ members can also get three free months of Instacart+.
Family of Brands Bonus
$25/yrUnlock up to 2,000 bonus points annually when you shop at 2 or more of our Gap Inc. brands. 2 brands = 500 pts // 3 brands = 1,000 pts // 4 brands = 2,000 pts
Free Fast Shipping
$25/yron all online orders $50 or more
Quarterly Bonus
$25/yrGet bonus points each quarter that you make a purchase at Gap, Banana Republic, Old Navy, or Athleta
Global emergency services
$10/yrCall 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
HealthLock
$10/yrEnjoy a HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
Mastercard ID Theft Protection
$10/yrMonitor your credit file for fraud, get alerts for suspicious activity and access a resolution specialist.
Mastercard Music and Entertainment Access benefit
$10/yrMastercard gives you exclusive access to ticket presales at top venues and festivals across the U.S. Eligibility restrictions, exclusions and terms apply. Offer expires 3/31/2027.
Protection wherever you shop
$10/yrWith Mastercard Zero Liability protection you’re protected against unauthorized transactions in stores, online and in app.
Receive 30% Off
your first purchase with your new credit card at Old Navy
Related encyclopedia topics
Common questions about the Old Navy Encore Mastercard
Does the Old Navy Encore Mastercard have an annual fee?
The Old Navy Encore Mastercard carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Old Navy Encore Mastercard?
Dining is the strongest Madeen category for the Old Navy Encore Mastercard at about 1% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Old Navy Encore Mastercard charge foreign transaction fees?
The Old Navy Encore Mastercard charges a foreign transaction fee of $3 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change.
What credit score do you need for the Old Navy Encore Mastercard?
Madeen's catalog lists a typical credit range of Good to Excellent for the Old Navy Encore Mastercard. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the Old Navy Encore Mastercard?
Rewards on the Old Navy Encore Mastercard post as Gap Family. Redemption value depends on how you use Gap Family (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How do I maximize rewards on the Old Navy Encore Mastercard?
To maximize the Old Navy Encore Mastercard, route dining and other bonus categories through this card when they match your spend, then compare it against cards you already carry with Madeen at checkout.
How does the Old Navy Encore Mastercard compare to similar cards?
Compare the Old Navy Encore Mastercard against Hawaiian Airlines World Elite Mastercard (3.6% on Dining, $99 fee); Hawaiian Airlines World Elite Business Mastercard (3.6% on Dining, $99 fee); FRONTIER Airlines World Mastercard (3.3% on Dining, $99 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Old Navy Encore Mastercard This card | Dining | 1% | $0 |
| Dining | 3.6% | $99 | |
| Dining | 3.6% | $99 | |
| Dining | 3.3% | $99 | |
Barclays | Dining | 3% | $0 |
Side-by-side comparisons
Where this card ranks
Related Madeen guides
Related cards
See how this card ranks in your wallet
Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
Barclays and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Barclays. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure