Review
Barclays Banana Republic Encore Mastercard® Review: Maximize Rewards at Gap Inc. Brands
If you're a loyal Banana Republic shopper, the Encore Mastercard® could be your perfect match! Earn rewards on your favorite apparel brands, but beware of the high APR if you carry a balance.
| 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. |
| Rewards Rate | 1x-5x points |
| Sign-up Bonus | 20% off first Banana Republic purchase |
| Other Fees | Balance transfer fee Either $5 or 5% of the amount of each transfer, whichever is greater, when using your Mastercard. |
Overview
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
Benefits
Drawbacks
Decision Guidance
Summary
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...