Banana Republic Encore Mastercard — Barclays is a personal credit card from Barclays. Application typically pulls a credit report from TransUnion. The annual fee is $0. The ongoing APR is 33.49%. Signup bonus: 25% off your first purchase with your new card at Banana Republic. Rewards: 5X points per $1 at the Gap Inc. family of brands; 3X at eligible retail apparel brands; 1X everywhere else; 500 points = $1 reward. Soft-pull pre-qualification is available — no hard inquiry to check approval odds.