Banana Republic Encore Mastercard®
20 percent discount welcome bonus. No annual fee.
- Welcome offer
- Issuer's pagecards.barclaycardus.com
“Open a new Banana Republic Encore Credit Card or Banana Republic Encore Mastercard ® Account to receive a 20% discount on your first purchase.”
- Annual fee
- Issuer's pagecards.barclaycardus.com
“$0 Fraud Liability Protection”
- Purchase APR
- Issuer's pagecards.barclaycardus.com
“Purchases – 33.49%”
- Foreign transaction fee
- CFPB credit card surveyReported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $120 | $120 |
| Typical spender | $300 | $300 |
| Heavy spender | $660 | $660 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Assumed: points valued at an assumed 1¢.
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- No annual fee, like about 85% of the 626 cards we track.
- Worth more to a typical spender than about 70% of the 650 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Welcome offer
20 discount
First purchase with the new card at Banana Republic
The card must be used as the sole payment type. The discount code expires 14 days after account opening for online accounts; in-store accounts receive the discount on the first same-day in-store purchase. Valid only in the U.S., including Puerto Rico. The discount cannot be combined with the Family of Brands Discount.
How you earn · Encore Market
- 5× pointsat the Gap Inc. family of brands
- 3× pointsat all eligible retail apparel brands
- 1× pointsEverything else
Rates and fees
| Annual fee | Issuer's pagecards.barclaycardus.com “$0 Fraud Liability Protection” |
|---|---|
| Purchase APR | Issuer's pagecards.barclaycardus.com “Purchases – 33.49%” |
| Balance transfer APR | Issuer's pagecards.barclaycardus.com “Balance Transfers – 33.49%, when using your Mastercard .” |
| Balance transfer fee | Issuer's pagecards.barclaycardus.com “Balance Transfer – Either $5 or 5% of the amount of each transfer, whichever is greater, when using your Mastercard.” |
| Cash advance APR | Issuer's pagecards.barclaycardus.com “33.49%” |
| Foreign transactions | CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
Carrying a balance? See how long it takes to pay off
Benefits
- Free Standard shipping for eligible All-Access program members on online orders of $35 or greater when using a Gap Inc. credit card or Encore Credit Card.
- Eligible Premier members receive free Standard shipping on orders of $50 or greater.
- Eligible Core members receive free basic shipping on orders of $50 or greater.
- Early access and partner perks, including special events, discounts, and other perks.
- Digital wallet support, including Apple Pay and Google Pay.
- $0 fraud liability protection for unauthorized purchases.
- Complimentary online access to a FICO® Score, subject to account eligibility and Barclays' discretion.
Questions
- What is the annual fee?
- $0 cards.barclaycardus.com, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- Yes: 3%. Reported to the CFPB, Dec 31, 2025, since Oct 4, 2026
- What is the purchase APR?
- 33.49% APR cards.barclaycardus.com, since Oct 1, 2026
- Is there a welcome bonus?
- 20 percent discount. cards.barclaycardus.com, since Oct 4, 2026
Other points cards with no annual fee
- GM Business MastercardBarclays · No annual fee+$600 a year
- GM Rewards MastercardBarclays · No annual fee+$600 a year
- CareCredit MastercardSynchrony · No annual fee+$410 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).