Athleta Encore Mastercard® vs Banana Republic Encore Mastercard®
Both cards cost $0/yr. The Athleta Encore Mastercard® leads on apparel; the Banana Republic Encore Mastercard® on apparel.
Card data as of October 12, 2026.
Athleta Encore Mastercard®Barclays · No annual fee
Banana Republic Encore Mastercard®Barclays · No annual fee
Overview
- Annual fee
- Athleta Encore Mastercard®$0Banana Republic Encore Mastercard®$0
- Welcome offerCurrent public offer
- Athleta Encore Mastercard®—Banana Republic Encore Mastercard®—
- Rewards
- Athleta Encore Mastercard®Gap FamilyBanana Republic Encore Mastercard®Gap Family
- Foreign transaction fee
- Athleta Encore Mastercard®3%Banana Republic Encore Mastercard®3%
- Network
- Athleta Encore Mastercard®MastercardBanana Republic Encore Mastercard®Mastercard
Earn ratesPer $1 spent
- Apparel
- Athleta Encore Mastercard®3xBanana Republic Encore Mastercard®3x
- Everything else
- Athleta Encore Mastercard®1xBanana Republic Encore Mastercard®1x
Perks & access— means none on record
- Other perks
- Athleta Encore Mastercard®
- Early access to select Gap Inc. brand sales
- Members-only exclusive offers and promotions
- Free shipping on online orders $35+
- Apple Pay and Google Pay support
- Free FICO® Credit Score access online
Banana Republic Encore Mastercard®- No annual fee
- Contactless payments with digital wallets
- Early access to select sales
- Exclusive cardholder offers
- Free FICO credit score access
- Free shipping on orders $35+
Show 2 more
- 20% off first purchase at Banana Republic
- Surprise birthday gift
Protections & insuranceLimits where published · — means none on record
- Purchase & returns
- Athleta Encore Mastercard®
- Zero Liability on unauthorized transactions
Banana Republic Encore Mastercard®- Zero Liability on unauthorized transactions
- Other protections
- Athleta Encore Mastercard®
- 24/7 lost/stolen card assistance worldwide
Banana Republic Encore Mastercard®- 24/7 lost/stolen card assistance worldwide
Year One vs Ongoing Value
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
Close — depends on how much of the credits you use
| Scenario | Athleta Encore Mastercard® | Banana Republic Encore Mastercard® | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $120 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $120 Year one: $120 | Rewards: $120 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $120 Year one: $120 | Close — depends on how much of the credits you use | Close — depends on how much of the credits you use |
| Heavy spender: $4,000/month | Rewards: $480 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $480 Year one: $480 | Rewards: $480 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $480 Year one: $480 | Close — depends on how much of the credits you use | Close — depends on how much of the credits you use |
The Bottom Line
Close — depends on how much of the credits you use
Frequently Asked Questions
- Which card earns more rewards, the Athleta Encore Mastercard® or Banana Republic Encore Mastercard®?
- Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
- Should I get the Athleta Encore Mastercard® or the Banana Republic Encore Mastercard®?
- Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published October 12, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.