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Updated Apr 14, 2026 · research
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BarclaysEncore RewardsEditorially reviewed

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.

Entry LevelPersonal
Mastercard
$0
Annual fee
5x pts gap inc. family of brands
Top rate
N/A
Foreign fee
N/A
Rating
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Earning Rates

Gap Inc. family of brands
5xpoints

Gap Inc. Credit Card or Encore Credit Card must be used as sole payment type.

eligible retail apparel brands
3xpoints

Gap Inc. Credit Card or Encore Credit Card must be used as sole payment type.

everywhere else where Mastercard is accepted
1xpoints

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 TypeAmount
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

Best in ClassIndustry-leading coverage
StrongAbove average
StandardTypical coverage
LimitedBelow average

Hidden Gems

Free Shipping on $35+ Orders

Offers free shipping on online orders of $35 or more to a single U.S. address, tied to Gap Inc. membership. Saves on shipping costs for qualifying apparel purchases.

Complimentary FICO Score Access

Provides online access to your FICO score with change alerts. Helps monitor credit health at no extra cost.

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 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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Reward Program

Encore Rewards

Earns Points

Learn more

Card Categories

Gap IncBanana RepublicApparelShopping

Sources & Methodology

Data Collection

We collect card details from official issuer pages, then verify them through editorial review.

Last updated:

Editorial Review

Pending editorial review.

Data Quality
  • 3 of 5 benefits rated high confidence
Learn More

Read our full methodology for how we collect, verify, and rate credit cards.

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