Barclays
Banana Republic Encore Mastercard®
Key Features
| Annual Fee | $0.00 |
| Regular APR | APR for purchases 33.24% This APR will vary with the market based on the Prime Rate. APR for balance transfers 33.24%, when using your Mastercard. This APR will vary with the market based on the Prime Rate. APR for cash advances 33.24%, when using your Mastercard. This APR will vary with the market based on the Prime Rate. |
| Other Fees | Balance transfer fee Either $5 or 5% of the amount of each transfer, whichever is greater, when using your Mastercard. |
| Network | Mastercard |
About this card
The Banana Republic Encore Mastercard has a mix of positive and negative aspects, leading to an overall rating of 2.6. Strengths include no annual fee, bonus rewards on clothing purchases (particularly within the Gap family of brands), and a sign-up bonus. Free shipping on online orders is another perk. However, the card is significantly weighed down by a very high APR, which makes it an expensive option for carrying a balance. The rewards redemption options are also somewhat limited. While the rewards program is decent for frequent shoppers of the associated brands, the high APR overshadows many of the benefits, making it suitable only for those who consistently pay their balance in full. The lack of reputation data also influences the overall rating.
Pros & Cons
What's great
- No annual fee
- Sign-up bonus
- Bonus rewards on clothing purchases
- Free shipping on online orders
Things to consider
- High regular APR
- Balance transfer fee
What this card offers
Sign-up bonuses
- Receive 20% off your first purchase with your new card at Banana Republic
Rewards
- Earn 5X points for every $1 spent at the Gap Inc. family of brands
- Earn 3X points for every $1 spent at all eligible retail apparel brands
- Earn 1X points for every $1 spent everywhere else Mastercard® is accepted
- 500 points = $1 Reward redeemable in the Encore Market with exclusive products, offers, and experiences or on purchases at the Gap Inc. brands
Other features
- Free shipping on all online orders $35+
- Early Access & Partner Perks Special events, discounts, and other top perks
- Enjoy Flexibility of Digital Wallets Such as Apple Pay and Google Pay
- Encore Market Redeem points for exclusive products, offers, and experiences
- $0 Fraud Liability Protection You’re not responsible for charges you did not authorize
- Complimentary FICO® Score Keep an eye on your credit with complimentary online access to FICO Credit Score
Additional Notes
By applying, you agree that you’ll first be considered for the Banana Republic Encore Mastercard which can be used anywhere Mastercard is accepted. If not approved for the Mastercard, you’ll then automatically be considered for the Banana Republic Encore Credit Card which can be used across all Gap Inc. stores and online.