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Barclays · Mastercard

Old Navy Encore Mastercard®

★★★★★ 4.5 Wafacard score
Issuer page Confirm current terms on the issuer website
Encore Mastercard
Annual fee
$0
Rewards rate
1x
Intro offer
Check the issuer page for any current introductory offer and eligibility rules.
Recommended credit
Good (670-719)
Fees and terms

Rates and fees can change by applicant profile and issuer updates. Confirm current terms on the issuer website before applying.

Annual fee
No annual fee
Purchase APR
APR range: 33.24%
Balance transfer APR
APR range: 33.24%
Cash advance APR
APR range: 33.24%
Foreign transaction fee
Check issuer terms
Late payment fee
Check issuer terms
Grace period
Check issuer terms
Recommended credit
Good (670-719)
Terms last updated
6/22/2026
Key benefits
  • Fraud-liability protection
  • No yearly card fee
Rewards breakdown

Wafacard summary: this everyday credit card shows points earning from 1x-5x depending on where the card is used. Confirm category definitions and caps with the issuer before applying.

Intro offer: Check the issuer page for any current introductory offer and eligibility rules.

Card details

Wafacard note: key fit signals include fraud-liability protection, no yearly card fee. Availability, exclusions, and enrollment rules can vary by issuer terms.

Issuer
Barclays
Network
Mastercard
Type
general
Review status
Terms reviewed 6/30/2026

Is Old Navy Encore Mastercard® worth it?

The Old Navy Encore Mastercard® is a no-annual-fee general card from Barclays, so you can keep it long term without paying to hold it. It lists 1x on eligible spending, and the breakdown below shows how that earning applies across categories. New cardholders may also qualify for a welcome offer: Check the issuer page for any current introductory offer and eligibility rules. It is generally aimed at applicants with good (670-719) credit, with a purchase APR around APR range: 33.24%. Confirm current terms on Barclays's site before applying.

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