Already a member?

You’ve got a head start.

Check Points Pay Credit Card

Already a member?
You’ve got a head start.

Check Points Pay Credit Card
Women doing yoga in a canyon

Your membership
for leveling up.

Women doing yoga in a canyon

Your membership
for leveling up.

Meet the membership tiers.

White and gray background for the membership tiers.

Meet the membership tiers.

Cardmember Bonus

Get an extra 20% off* your first purchase with your new Athleta Encore Credit Card. 


Score points with every purchase.

5x points*: Cardmembers. At Athleta, OldNavy, Gap, and Banana Republic. Earn 25 points per $1 spent. 3x points*: Cardmembers. At all eligible retail apparel brands where Mastercard is accepted. Earn 15 points per $1 spent. 1x points*: Core & Premier Members. At Athleta, Old Navy, Gap, and Banana Republic. Earn 5 points per $1 spent. Cardmembers: Everywhere else Mastercard is accepted. Earn 5 points per $1 spent.
White and gray background for the membership tiers.

Score points with every purchase.

5x points*: Cardmembers. At Athleta, OldNavy, Gap, and Banana Republic. Earn 25 points per $1 spent. 3x points*: Cardmembers. At all eligible retail apparel brands where Mastercard is accepted. Earn 15 points per $1 spent. 1x points*: Core & Premier Members. At Athleta, Old Navy, Gap, and Banana Republic. Earn 5 points per $1 spent. Cardmembers: Everywhere else Mastercard is accepted. Earn 5 points per $1 spent.
White and gray background for the membership tiers.

Redemption, your way.

Use points on exclusive products, offers, and experiences.

Woman smiling with her hair flowing in the wind.

Redemption,
your way.

Use points on exclusive products, offers,
and experiences.

Woman smiling with her hair flowing in the wind.

Celebrate the perks.*

Free Shipping. Save big on orders $50+. Or on orders $35+ for Cardmembers.
Birthday Bonus. Receive at least one annual gift on us–and start your next year in stride.
Encore Market. Trade points for exclusive products, offers, and experiences.
Early Access. Be the first in line to shop select collections and drops.

Celebrate the
perks.*

Free Shipping. Save big on orders $50+. Or on orders $35+ for Cardmembers.
Birthday Bonus. Receive at least one annual gift on us–and start your next year in stride.
Encore Market. Trade points for exclusive products, offers, and experiences.
Early Access. Be the first in line to shop select collections and drops.

Explore Encore

Explore Encore

Every 500 points = $1 reward you can
apply towards purchases at our family
of brands, or redeem for exclusive products, offers and experiences in the Encore Market.*

Core

Free to Join

Premier

Annual Spend $350+

All-Access

Cardmember

Earn

Earn points at our family of brands

5 points per $1 spent

5 points per $1 spent

25 points per $1 spent

5x points
Mastercard® Cardmembers earn points outside our family of brands

15 points per $1 spent

at all other eligible retail apparel brands

3x points

+

5 points per $1 spent

everywhere else Mastercard®
is accepted

1x points
Access

Redeem points on exclusive products, offers, and experiences in the Encore Market

Partner perks and exclusive experiences
Extended returns

Up to 45 days to make
returns. Returns after 30
days receive merchandise
credit

Up to 60 days to make
returns. Returns after 30
days receive merchandise
credit

Early access

First in line to shop select
collections and drops

Free basic alterations at Banana Republic
Savings

Free shipping

$50+

Free basic shipping
on purchases $50+

$50+

Free standard shipping
on purchases $50+

$35+

Free standard shipping
on purchases $35+

Birthday bonus

Enjoy a birthday bonus,
on us

You and a family member
enjoy a birthday bonus,
on us

You and up to three family
members enjoy a birthday
bonus, on us

Members-only access to Super Cash, GapCash, and StyleCash
Create your own sale day

Receive 15% off purchases
made that day at our family
of brands

Receive 20% off purchases
made that day at our family
of brands

Core

Free to join

Free to join

Premier

Annual spend

$350+

All-Access

Cardmember

Cardmember

Earn

Earn points at our family of brands

5 points per $1

5 points per $1

25 points per $1

5x points

Mastercard® Cardmembers earn points outside our family of brands

15 points per $1

at all other eligible
retail apparel brands

3x points

+

5 points per $1

everywhere else
Mastercard®
is accepted

1x points
Access

Redeem points on exclusive products, offers,
and experiences in the Encore Market

Partner perks and exclusive experiences

Extended returns

Up to 45 days to
make returns. Returns
after 30 days receive
merchandise credit

Up to 60 days to
make returns. Returns
after 30 days receive
merchandise credit

Early access

First in line to shop select
collections and drops

Free basic alterations at Banana Republic

Savings

Free Shipping

$50+

Free basic shipping
on purchases $50+

$50+

Free standard shipping on
purchases $50+

$35+

Free standard shipping on
purchases $35+

Birthday bonus

Enjoy a birthday
bonus, on us

You and a family member
enjoy a birthday bonus,
on us

You and up to three
family members enjoy
a birthday bonus, on us

Members-only access to Super Cash,
GapCash, and StyleCash

Create your own sale day

Receive 15% off purchases
made that day at our
family of brands

Receive 20% off purchases
made that day at our
family of brands

Athleta app logo

The best of Athleta, one tap away.

Score more on the go.

The best of Athleta, one tap away.

Score more on the go.

Athleta app logo on teal background.

*Details:

Account Opening Offer: Subject to credit approval. Terms Apply. Your new credit card must be used as the sole payment type. Discount code expires at 11:59 p.m. PT fourteen (14) days from date of Account opening. Open a new Athleta Encore Credit Card or Athleta Encore Mastercard® Account to receive a 20% discount on your first purchase. Valid only in the U.S. (including Puerto Rico). Only one Account opening discount per Account. The First Purchase and Family of Brands Discounts cannot be combined. Discounts cannot be combined with Gap Inc. employee discount but can be combined with other eligible offers in a single transaction. Excludes gift cards, shipping, taxes, and all merchandise sold and shipped by 3rd party sellers. Not valid at other Gap Inc. brands or in our Clearance Center. No adjustments to previous purchases. Offer subject to change.

Earn Points – Members: Purchases paid with gift cards or store credit do not earn points.See complete details, including how to earn points and redeem rewards, at

Earn Points – Cardmembers: Subject to credit approval. A Gap Inc. credit card or an Encore Credit Card must be used as the sole payment type. See for details about earning and redeeming points and rewards.

Redeem Points: Encore Market redemptions are final sale and cannot be returned or exchanged. Shipping fees may apply.

$0 Annual Fee: Offer subject to credit approval. This offer is available through this advertisement and may not be accessible elsewhere. Other offers may be available. For complete pricing and other details, please see the Terms and Conditions.

How To Level Up: Eligibility for tier upgrade subject to change based on account activity. Upgrades will be processed within 60 days after qualifying, and the Status Level is valid for both the remainder of the calendar year (January 1 – December 31) in which it is earned and for the next calendar year. At the start of each new calendar year, Qualifying Purchases amount will reset to zero. Members must re-qualify for Tier Levels as outlined above during each calendar year.

Free to Join: See for Details.

Free Shipping: Must be signed into your online account to receive offer. Valid for online offers totaling at least $50 after discounts and before taxes shipped anywhere in the U.S. (including Puerto Rico). If you choose another shipping option, additional charges may apply. Orders must be shipped to a single address. Eligible All-Access program members receive free Standard shipping on orders of $35 or greater with use of a Gap Inc. credit card or an Encore Credit Card. Eligible Premier members receive free Standard shipping on orders of $50 or greater. Eligible Core members receive free basic shipping on orders of $50 or greater. See for additional terms and details, including any eligibility restrictions.

Early Access: May be subject to additional terms and conditions.

Birthday Bonus: For eligible program members and their designated family members only. Gift selected in Gap Inc.’s discretion and may be subject to additional terms and conditions. See for additional details and program restrictions, including eligibility requirements.

Create Your Own Sale Day: All-Access level program members can choose their own sale day (20% off) once per year. Premier level program members can choose their own sale day (15% off) once per year. May be used one time at each of our Family of Brands on the sale day, either online or in-store. Subject to additional terms and conditions, which will be included in the offer.

GapCash, Super Cash, Style Cash: See individual for details.

Extended Returns See return policy for details.

Free Alterations on BR Merch (All-Access Only): Exclusions apply. See for details.

This card issued by Barclays Bank Delaware pursuant to a license from Mastercard® International Incorporated. Mastercard®, World Mastercard®, World Elite Mastercard®, and the circles design are registered trademarks of Mastercard® International Incorporated.