$0
Annual fee
See the card
Card reviewBarclays
Updated Jul 23, 2026 · research
BarclaysGap Inc. Rewards
Banana Republic Encore Mastercard
Earn rewards at the Gap Inc. family of brands and everywhere else Mastercard is accepted with the Banana Republic Encore Mastercard.
Entry LevelPersonal
Mastercard
$0
Annual fee
5x pts gap inc. family of brands
Top rate
N/A
Foreign fee
N/A
Rating
Earning Rates
Gap Inc. family of brands
5xpoints
Sole payment type must be Gap Inc. Credit Card or Encore Credit Card.
Eligible retail apparel brands
3xpoints
At all eligible retail apparel brands.
Everywhere else where Mastercard is accepted
1xpoints
Everywhere else Mastercard is accepted.
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
3 benefits
Lifestyle Benefits
Other Insurance
Coverage Tier Legend
Best in ClassIndustry-leading coverage
StrongAbove average
StandardTypical coverage
LimitedBelow average
Frequently Asked Questions
What is the annual fee for the Banana Republic Encore Mastercard?
The card has no annual fee. This applies from the first year with no waiver needed.
What are the rewards earning rates?
Earn 5X points per $1 at Gap Inc. family of brands when using the card as sole payment. Earn 3X points at eligible retail apparel brands and 1X everywhere else Mastercard is accepted.
How do points redeem?
Points redeem at 500 points for $1 in the Encore Market or Gap Inc. brands.
What is the APR?
The variable APR for purchases, balance transfers, and cash advances is 33.24%. Rates may vary based on creditworthiness.
What benefits does the card offer?
Benefits include $0 fraud liability, complimentary online FICO score access with alerts, digital wallet compatibility with Apple Pay and Google Pay, early access to special events and perks, and free shipping on online orders of $35 or more to a single U.S. address including Puerto Rico.
Is free shipping available?
Free shipping applies to online orders of $35 or more shipped to a single U.S. address including Puerto Rico. It requires signing into a Gap Inc. account and meeting membership criteria.
How can I access my FICO score?
Complimentary online access to your FICO score is available with alerts for changes. Access is at the issuer's discretion and requires an open, active account in good standing.
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 offers 5X points back on purchases at Gap Inc. brands, 3X points on eligible retail apparel brands, and 1X points on everyday spending. Redeem points for exclusive products in the Encore Market or on Gap Inc. purchases, with no 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
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- 3 of 3 benefits rated high confidence
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- 1 of 1 offer verified
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