Card comparisonSide by side
Banana Republic Encore Mastercard® vs Hilton Honors Surpass Card
Compare fees, rewards, benefits, and card details in one table before choosing which review to open next.
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How to read missing comparison values
- A dash (—) means that value is not currently available for that card.
- Coverage labels like 2/4 cards show how many selected cards have that metric populated.
- 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 | Barclays | American Express |
Card Network | ||
Card Type Data: 1/2 cards | — | travel |
Card Tier Data: 2/2 cards | Entry Level | Mid Tier |
Credit Score | — | Good(700-749) |
Rating Data: 0/2 cards | — | — |
| Fees & APR | ||
Annual Fee | $0 | $150 |
Foreign Transaction Fee | None | None |
Purchase APR | 33.24% | 19.99% – 29.99% |
Intro APR | — | 0% for 6 months |
| Rewards | ||
Welcome Bonus | Earn 20 points | Earn 130,000 points |
Bonus Value | $20 | $1,300 |
Reward Rate Data: 2/2 cards | 5x pts on gap inc. family of brands | 14x pts on hilton hotels and resorts |
Reward Program Data: 2/2 cards | Encore Rewards | Hilton Honors |
| Earning Rates | ||
| Gap Inc. family of brands | 5x ptsA Gap Inc. Credit Card or an Encore Credit Card must be used as sole payment type. | — |
| Hilton hotels and resorts | — | 14x pts |
| 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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