Card comparisonSide by side
American Express® Gold Card vs Banana Republic Encore Mastercard®
Compare fees, rewards, benefits, and card details in one table before choosing which review to open next.
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- A dash (—) means that value is not currently available for that card.
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- Card Type, Card Tier, Rating, and Reward Program are editorial labels and may still be pending enrichment.
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| Feature | ||
|---|---|---|
| Basic Information | ||
Issuer | American Express | Barclays |
Card Network | ||
Card Type Data: 1/2 cards | travel | — |
Card Tier Data: 2/2 cards | Premium | Entry Level |
Credit Score | — | — |
Rating Data: 0/2 cards | — | — |
| Fees & APR | ||
Annual Fee | $325 | $0 |
Foreign Transaction Fee | None | None |
Purchase APR | 19.49% – 28.49% | 33.24% |
Intro APR | — | — |
| Rewards | ||
Welcome Bonus | Earn 100,000 points | Earn 20 points |
Bonus Value | $1,000 | $20 |
Reward Rate Data: 2/2 cards | 5x pts on prepaid hotels | 5x pts on gap inc. family of brands |
Reward Program Data: 2/2 cards | Membership Rewards | Encore Rewards |
| Earning Rates | ||
| All other eligible purchases | 1x pts | — |
| Flights | 3x ptsBooked through AmexTravel.com or Amex Travel App™ or directly through airlines. | — |
| Gap Inc. family of brands | — | 5x ptsA Gap Inc. Credit Card or an Encore Credit Card must be used as sole payment type. |
| Prepaid car rentals and cruises | 2x ptsPrepaid car rentals booked through AmexTravel.com or Amex Travel App™ and cruises booked and paid through AmexTravel.com. | — |
| Prepaid hotels | 5x ptsBooked through AmexTravel.com or Amex Travel App™. | — |
| Restaurants worldwide | 4x ptsOn up to $50K in purchases per calendar year, then 1X points. | — |
| U.S. supermarkets | 4x ptsOn up to $25K in purchases per calendar year, then 1X points for the rest of the year. | — |
| eligible retail apparel brands | — | 3x ptsA Gap Inc. Credit Card or an Encore Credit Card must be used as sole payment type. |
| everywhere else Mastercard is accepted | — | 1x ptsA Gap Inc. Credit Card or an Encore Credit Card must be used as sole payment type. |
| Benefits | ||
Key Benefits |
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