Banana Republic Encore Mastercard®
5X points at Gap Inc. brands with $0 annual fee
Earn 5X points per $1 at Banana Republic, Gap, Old Navy, and Athleta — effectively 5% back on every in-brand purchase. With a $0 annual fee, 20% off your first Banana Republic purchase, free shipping on online orders of $35 or more, and early access to select sales and events, this card turns everyday Gap Inc. shopping into consistent rewards.
- Annual Fee
- $0
- Highest rate (conditional)
- Up to 5X (Athleta)
Terms checked against the issuer on November 4, 2026
At a Glance
- Annual Fee
- $0
- Foreign Transaction Fee
- 3%
- Network
- Mastercard Standard
- Rewards Currency
- Gap Family
- Credit Required
- Good to Excellent
Earning Rates
- 5X
Athleta
Earn 5X points for every $1 spent at Athleta
- 5X
Banana Republic
Earn 5X points for every $1 spent at Banana Republic
- 5X
Gap
Earn 5X points for every $1 spent at Gap
- 5X
Old Navy
Earn 5X points for every $1 spent at Old Navy
- 3X
Apparel
Earn 3X points for every $1 spent at all eligible retail apparel brands.
Earning Scenarios
5X Points at Banana Republic, Gap, Old Navy, and Athleta
Spend $200/month at Banana Republic and earn $120 in rewards per year (5X points at 500 points = $1).
3X Points at Eligible Retail Apparel Brands
Spend $100/month at other eligible apparel brands and earn $36 in Gap Inc. rewards per year.
1X Point on All Other Mastercard Purchases
Spend $500/month on groceries, gas, and dining to earn $60 in Gap Inc. rewards per year.
Benefits & Perks
Insurance & Protections
2 protectionsZero Liability on unauthorized transactions
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
24/7 lost/stolen card assistance worldwide
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Reviews & Analysis
Third-Party Rankings & Ratings
3 sourcesHow It Compares
The Banana Republic Encore Mastercard earns 5X points (5% back) at all Gap Inc. brands and 3X at other eligible apparel brands, with no annual fee. Points redeem at 500 points per $1 toward Gap Inc. brand purchases or in the Encore Market. The 1X rate on other purchases and 3% foreign transaction fee make it weak outside apparel and the Gap ecosystem. Best for customers who regularly shop at Banana Republic.
Details & Terms
Payment Terms
| Purchase APR | 33.49% (Variable) |
| Cash Advance APR | 33.49% (Variable) |
| Foreign Transaction Fee | 3% |
Media & Resources
Video Reviews
8 videosBanana Republic Credit Card Review 2025 | Worth It or Leave It?
Old Navy Credit Card Review 2024 (+ Gap Credit Card & Banana Republic Credit Card & Athleta Card Too)
Gap Credit Card Review - Old Navy, Banana Republic, Athleta, Too!
Gap Good Rewards Card Review 2025 | Worth It or Leave It?
Review of the Gap Card, Old Navy Card, Banana Republic Card
Banana Republic Rewards Mastercard (Barclays Bank)
Banana Republic Credit Card Review 2025 Worth It or Leave It
Third-Party Articles & Reviews
5 Things to Know About the Banana Republic Credit Card
NerdWallet's guide covering rewards structure, perks, and how to maximize value at Banana Republic stores
Banana Republic Credit Card Reviews - WalletHub
Banana Republic Rewards Mastercard Review
Bankrate's assessment of the card's rewards program, fees, and overall value proposition
Banana Republic Credit Cards & Rewards - Worth It? [2026]
Comprehensive analysis of the Banana Republic Mastercard rewards structure and comparison to competing retail cards
Banana Republic Rewards Mastercard
Credit Karma's member-driven insights and ratings for the Banana Republic Rewards Mastercard
Is the Banana Republic Credit Card Right For You? Full Review
Detailed review exploring features, benefits, and drawbacks of the Banana Republic Mastercard for different shopper types
The Ultimate Guide To Banana Republic Rewards
Comprehensive guide to earning and maximizing Banana Republic rewards points across Gap Inc. brands
Best Retail Credit Cards of 2025
Money.com's roundup of top retail credit cards, featuring the Banana Republic Mastercard in comparison context
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| Issuer Page | Issuer Page | |
| Barclays | — | Barclays |
| RewardsCC API | — | RewardsCC API |
| Issuer Page | Issuer Page: Earn rates | |
| Issuer Page | Issuer Page | |
| Issuer Page | Issuer Page: Welcome offer | |
| Issuer Page | Issuer Page | |
| Issuer Page | Issuer Page | |
| Gap Inc. Official | Gap Inc. Official: Points valuation |
Top brands for this card
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
