Advocate Cobrand Consulting
Trends · March 3, 2026

Barclays launches new Gap Encore MasterCard

An analysis of the new Gap Encore Mastercard and its evolution of Gap Inc.’s loyalty ecosystem.

The Gap Encore Mastercard represents a major evolution of Gap Inc.’s loyalty and credit ecosystem, aligning with the company’s broader relaunch of its cross-brand membership program, Encore. The card is designed to deepen customer engagement across Gap Inc.’s portfolio—Gap, Old Navy, Banana Republic, and Athleta—while offering competitive rewards both inside and outside the brand family.

Program Overview

Gap Inc.’s new Encore program is one of the largest loyalty platforms in U.S. apparel retail, reportedly serving nearly 40 million active members. The Encore Mastercard sits at the top tier of this ecosystem, offering enhanced earning rates, exclusive access, and experiential benefits that extend beyond traditional retail rewards.

Key Card Benefits

Accelerated Points Earning

  • 5X points per dollar at all Gap Inc. brands.
  • 3X points per dollar at eligible retail apparel brands outside the Gap Inc. portfolio.
  • 1X point per dollar on all other Mastercard purchases.
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