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Gap Encore Mastercard® vs Platinum 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.
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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 | Barclays | American Express |
Card Network | ||
Card Type Data: 1/2 cards | — | travel |
Card Tier Data: 2/2 cards | Entry Level | Luxury |
Credit Score | — | — |
Rating Data: 0/2 cards | — | — |
| Fees & APR | ||
Annual Fee | $0 | $895 |
Foreign Transaction Fee | None | None |
Purchase APR | 33.24% | 19.49% – 28.49% |
Intro APR | — | — |
| Rewards | ||
Welcome Bonus | Earn 20 points | Earn 175,000 points |
Bonus Value | $20 | $1,750 |
Reward Rate Data: 2/2 cards | 5x pts on gap inc. family of brands | 5x pts on flights booked directly with airlines or through american express travel |
Reward Program Data: 2/2 cards | Encore Rewards | Membership Rewards |
| Earning Rates | ||
| All other purchases | — | 1x pts |
| Flights booked directly with airlines or through American Express Travel | — | 5x ptsOn up to $500,000 on these purchases per calendar year. |
| Flights booked directly with airlines or through AmexTravel.com | — | 5x ptsOn up to $500,000 per calendar year, then 1x |
| Gap Inc. family of brands | 5x ptsA Gap Inc. Credit Card or an Encore Credit Card must be used as sole payment type. | — |
| Prepaid hotels booked on American Express Travel | — | 5x ptsPrepaid hotels must be booked on American Express Travel. |
| Prepaid hotels booked through AmexTravel.com | — | 5x pts |
| 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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