100,000 Points
Worth $1,200
After you spend $5,000 on purchases on your new card in your first 3 months of card membership.
- 1.2%Everywhere
Annual Fee
$499
Rec. Credit
Excellent
Terms apply.
See rates & fees.Barclays
Banana Republic Encore Mastercard®
This card is built for regular Banana Republic and broader Gap brand shoppers who want a simple way to earn store rewards without paying an annual fee. It works more like a retail loyalty card than a true everyday spending card, so its strongest use is with brand-loyal shoppers rather than general purchases.
Welcome Offer
20 Points
Annual Fee
$0
Rec. Credit Score
Excellent
Good For
Gap brand loyalists
All information about Banana Republic Encore Mastercard® has been collected independently by MaxRewards. Banana Republic Encore Mastercard® is no longer available through MaxRewards.
Is the Banana Republic Encore Mastercard® worth it?
This card is great for...
Banana Republic purchases
Gap family brand shopping
No annual fee store rewards
The Banana Republic Encore Mastercard® is worth considering if you shop often at Banana Republic, Gap, Old Navy, or Athleta and want to add a no-annual-fee store card to that routine. Its value comes from earning rewards in the brand's points system, not from broad travel perks, cash-back flexibility, or premium card benefits.
For most readers, this is not a strong primary card for everyday spending. The card only earns 1% back on general purchases, and the rewards are tied to the Gap ecosystem, which limits flexibility compared with a standard cash-back card. If your goal is simple rewards on your regular shopping with these brands, it can fit well. If you want a card for groceries, dining, travel, or all-around spending, there are easier and more rewarding options.
MaxRewards Verdict
This card makes the most sense for frequent Gap brand shoppers who will actually use the store rewards they earn. Outside that niche, its low everyday return and limited redemption value make it hard to recommend as a main wallet card.
Welcome Offer
20 Points after you spend $1 on purchases on your new card in your first 1 months of card membership.
Est. Value
$0.20
Required Spend
$1
Time Frame
1 Month
Est. Value
$0.20
Required Spend
$1
Time Frame
1 Month
What's your average monthly spend?
You should easily hit the bonus threshold with this spend!
Rewards
Rewards percent based on a valuation of 1¢ per GAP point
Rewards here are straightforward: you earn Gap points, and their practical value depends on whether you regularly spend within the brand family. The key question is not how many points you earn, but how often you will realistically redeem them for purchases or offers you already want.
CategoryEst. yearly spendRateRewards
Everywhere
Est. yearly spend
Rate1%
Rewards$0$0
Est. Annual Rewards
More Benefits
Encore Market
Redeem points for exclusive products, offers, and experiences
Recommended Minimum Credit
Min: Excellent
Poor
Fair
Good
Excellent
Excellent credit or higher is recommended for this card.
Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.
Rates & Fees
Annual Fee
$0
Purchase APR
33.24%
Variable
Transfer APR
33.24%
Variable
Cash Advance APR
33.24%
Variable
Foreign Transaction Fee
None
Late Payment
$41
Return Payment
$41
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Other cards from Barclays
100,000 Points
Worth $1,000
After you spend $5,000 on purchases on your new card in your first 5 months of card membership.
- 7%GM
- 3%Everywhere
Annual Fee
$0
Rec. Credit
Excellent
Terms apply.
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80,000 Miles
Worth $800
After you spend $2,500 on purchases on your new card in your first 3 months of card membership.
- 3%Hawaiian Air
- 2%Dining
- 2%Gas
Annual Fee
$99
Rec. Credit
Excellent
Terms apply.
See rates & fees.