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Banana Republic Encore Mastercard® vs Capital One Quicksilver Secured Cash Rewards Credit Card

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Feature
Basic Information
Issuer
BarclaysCapital One
Card Network
Card Type
Data: 1/2 cards
secured
Card Tier
Data: 2/2 cards
Entry LevelEntry Level
Credit Score
Fair(650-699)
Rating
Data: 0/2 cards
Fees & APR
Annual Fee
$0$0
Foreign Transaction Fee
NoneNone
Purchase APR
33.24%29.99%
Intro APR
Rewards
Welcome Bonus
Earn 20 points
Bonus Value
$20
Reward Rate
Data: 2/2 cards
5x pts on gap inc. family of brands1.5% back on all purchases
Reward Program
Data: 2/2 cards
Encore RewardsCapital One Cash Back Rewards
Earning Rates
All Purchases1.5% backUnlimited 1.5% cash back on every purchase
Gap Inc. family of brands5x ptsA Gap Inc. Credit Card or an Encore Credit Card must be used as sole payment type.
eligible retail apparel brands3x ptsA Gap Inc. Credit Card or an Encore Credit Card must be used as sole payment type.
everywhere else Mastercard is accepted1x ptsA Gap Inc. Credit Card or an Encore Credit Card must be used as sole payment type.
Benefits
Key Benefits
  • $0 Fraud Liability protection
  • Complimentary FICO Score
  • Early Access & Partner Perks
  • +3 more
  • Automatic Credit Line Review / Upgrade Path
  • No foreign transaction fee
  • Refundable Security Deposit