Gap Encore Mastercard® — Barclays Bank Delaware is a personal credit card from Barclays Bank Delaware. Application typically pulls a hard report from TransUnion. The annual fee is $0. The ongoing APR is 33.49% This APR will vary with the market based on the Prime Rate.. Approval typically requires a credit score of 650-700 or higher. Signup bonus: save 20% on your first purchase at Gap or Gap Factory stores with the card. Rewards: Earn 5X points for every $1 spent at the Gap Inc. family of brands; Earn 3X points for every $1 at all eligible retail apparel brands; Earn 1X points for every $1 spent everywhere else where Mastercard® is accepted; 500 Points = $1 Reward. Application rules: • 6/24 Rule: May deny if 6+ cards (any bank) in past 24 months (inconsistently enforced). • 24-Month Rule: No repeat welcome bonus within 24 months on same card. Some cards say "no bonus if you've EVER had this card." • No Duplicate Cards: Must cancel and wait ~6 months before reapplying for same card. • ~1 personal card per 6 months (velocity limit, not strict). • No strict card count limit, but limits total credit and considers spending on existing Barclays cards. • Primarily TransUnion. Will pull Experian if TU frozen. • Status: (888) 232-0780. Recon: (866) 408-4064. Recon: (866) 408-4064 Recon Alt (community-reported, unverified): (877) 523-0467.