Banana Republic Encore Mastercard
Earn 5X points per $1 at Gap Inc. family of brands, 3X at eligible retail apparel brands, 1X everywhere else Mastercard is accepted. 500 points = $1 redeemable in Encore Market or Gap Inc. brands. No annual fee.
Annual Fee
$0
Top Earning Rate
5x pts gap inc. family of brands
Foreign Tx Fee
N/A
Rating
N/A
Earning Rates
Gap Inc. Credit Card or Encore Credit Card must be used as sole payment type.
Gap Inc. Credit Card or Encore Credit Card must be used as sole payment type.
Pros & Cons
Pros
- No annual fee
- Elevated 5X points at Gap Inc. brands
- 3X points at eligible apparel retailers
- Free shipping on qualifying orders
- Complimentary FICO score access
Cons
- High 33.24% variable APR
- Rewards focused on apparel shopping
- Limited travel or dining perks
- No introductory APR offers
Key Takeaways
- Earn 5X points at Gap Inc. brands with card as sole payment
- No annual fee and 1X points everywhere else
- Redeem 500 points for $1 at Encore Market or Gap Inc.
- Includes $0 fraud liability and free shipping on $35+ orders
Fees
| Fee Type | Amount |
|---|---|
| Annual Fee | $0 |
APR Information
- Purchase APR
- 33.24%
- Balance Transfer APR
- 33.24%
- Cash Advance APR
- 33.24%
APRs shown are variable and may change based on the Prime Rate. Your actual APR will be determined based on your creditworthiness.
Card Benefits
5 benefits
Purchase Protection
Statement Credits
Lifestyle Benefits
Coverage Tier Legend
Frequently Asked Questions
What is the annual fee for the Banana Republic Encore Mastercard?
What are the rewards earning rates?
How do points redeem?
What is the APR?
What benefits does the card offer?
Is free shipping available?
How can I access my FICO score?
About This Card
This card suits frequent Gap Inc. shoppers and apparel buyers who want bonus points without an annual fee. It fits entry-level users seeking store-specific rewards.
The Banana Republic Encore Mastercard earns elevated points on Gap Inc. purchases and apparel shopping, with redemptions in the Encore Market. Includes benefits like $0 fraud liability, complimentary FICO score access, and digital wallet compatibility. APR for purchases, balance transfers, and cash advances is 33.24% variable. $0 annual fee.
It stands out in the entry-level tier with 5X points at Gap Inc. brands and free shipping, unlike general cashback cards with lower apparel rewards.
Ready to Decide?
Apply for the Banana Republic Encore Mastercard
Current offer available with no annual fee.
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Sources & Methodology
Sources & Methodology
Card details are collected by automated crawlers from official issuer pages, then verified by editorial review.
Last updated:
Pending editorial review.
- 3 of 5 benefits rated high confidence
Read our full methodology for how we collect, verify, and rate credit cards.
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