Card comparisonSide by side
Gap Encore Mastercard® vs Ink Business Preferred® Credit Card
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.
- 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 | Chase |
Card Network | ||
Card Type Data: 1/2 cards | — | business |
Card Tier Data: 2/2 cards | Entry Level | Mid Tier |
Credit Score | — | Excellent(750+) |
Rating Data: 0/2 cards | — | — |
| Fees & APR | ||
Annual Fee | $0 | $95 |
Foreign Transaction Fee | None | None |
Purchase APR | 33.24% | 17.74% – 26.74% |
Intro APR | — | — |
| Rewards | ||
Welcome Bonus | Earn 20 points | Earn 100,000 points |
Bonus Value | $20 | $1,000 |
Reward Rate Data: 2/2 cards | 5x pts on gap inc. family of brands | 5x pts on lyft rides |
Reward Program Data: 2/2 cards | Encore Rewards | Chase Ultimate Rewards® |
| Earning Rates | ||
| Advertising purchases made with social media sites and search engines | — | 3x ptsOn the first $150,000 spent in combined purchases across 3X categories each account anniversary year |
| All other purchases | — | 1x ptsNo limit to the amount you can earn |
| Gap Inc. family of brands | 5x ptsA Gap Inc. Credit Card or an Encore Credit Card must be used as sole payment type. | — |
| Internet, cable and phone services | — | 3x ptsOn the first $150,000 spent in combined purchases across 3X categories each account anniversary year |
| Lyft rides | — | 5x ptsThrough September 30, 2027 |
| Shipping purchases | — | 3x ptsOn the first $150,000 spent in combined purchases across 3X categories each account anniversary year |
| Travel | — | 3x ptsOn the first $150,000 spent in combined purchases across 3X categories each account anniversary year |
| all 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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