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Banana Republic Encore Mastercard®

Banana Republic Encore Mastercard® Credit Building

No annual fee. One credit building benefit, with what each is worth and the limits that apply.

Annual fee
No fee
Estimated value
$15/yr
Benefit
1

Complimentary FICO Credit Score

Included

Access your FICO credit score and credit monitoring tools at no cost.

Value Analysis

Estimated Value
$15

Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.