Is Old Navy Encore Mastercard® worth it?
Old Navy Encore Mastercard® can be a fit for people comparing general cards from Barclays. The main things to weigh are the $0 annual fee, the rewards structure, and whether the benefits match your spending habits.
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.
- Network
- Mastercard
- Review status
- Terms reviewed 6/30/2026
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