Banana Republic Credit Card | Review & Rewards Calculator

Banana Republic Credit Card

Card Benefits & Rewards Calculator
5x Gap Brands
1x Everywhere Else
Bonus Points Shopping Days
Birthday Gift
Easy Returns
Spend To Luxe Status

Learn the benefits that comes with having the Banana Republic Visa Credit Card, calculate how many points you can earn based on spend, and compare!

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The Banana Republic Credit Card is a great option if you're looking to earn an easy 5% return on purchases made at Banana Republic and other Gap brands. Along with giving you the best return on your shopping at Gap brands, you'll also receive exclusive cardholder benefits such as special offers, an annual birthday gift, and more. If you're spend enough to earn 5,000 points with the card, you'll be upgraded to the Banana Republic Luxe Card and receive even more benefits that can save you money at Gap brand stores.

Bonus Categories

The Banana Republic Credit Card features one bonus category which is shopping done at Gap brand stores. There is no limit to the amount of bonus points you can earn spending at Gap brand stores and no limit to the amount of points you can earn with the Banana Republic Credit Card in general. Points earned but not used towards a reward will expire 24 months after your last purchase if your account has been inactive for 24 months.

5x Gap Brands

When you use the Banana Republic Credit Card to make purchases at Gap brand stores, you will earn 5 rewards points per $1 spent. This includes purchases made in-store (U.S. & Canada Only), online, via phone, or mail at:

  • Athleta
  • Gap
  • GapBody
  • babyGap
  • GapKids
  • Gap Maternity
  • Gap Outlet
  • Gap Factory Store
  • Banana Republic
  • Banana Republic Factory Store
  • Old Navy
  • Old Navy Outlet

Using your Banana Republic Credit Card at Gap brands will be equal to earning a 5% return on your purchases which is pretty good. This is the same return that all Gap credit cards will earn when used at Gap brands. If you shop at Banana Republic more than the other brands or Banana Republic is your favorite Gap brand, then this will be the card to pick up. Otherwise, you'll want to grab up the card that corresponds to the brand you shop at or like the most.

Remember that store credit cards have high interest rates. If you do not plan on paying your full statement balance every month, this card (nor any other store card) will not be for you. The interest rates of these cards will eat away your rewards faster than you can earn them.

1x Non-Category

All non-Gap brand purchases made with the Banana Republic Credit Card will earn you 1 point per $1 spent. This is a low return of 1% and is not a good return on your non-Gap brand spend. If you're looking to earn rewards that you can redeem towards Gap purchases, you would want to find a good cash back credit card. You can earn 2% using the PayPal Cashback Mastercard or Citi Double Cash and even as high as 2.5%-3% with the Alliant CashBack Visa.

Perks and Benefits

The Banana Republic Credit Card comes with a good amount of benefits that can help those that enjoy shopping at their stores.

Birthday Gift

You will receive a Birthday Gift annually as long as you have made at least one Banana Republic purchase on your Banana Republic Credit Card within the last 12 months. Your card must also be in good standing. The birthday gift will typically be a coupon that can save you some money off your next Banana Republic purchase.

Spend To Luxe Status

When you use your Banana Republic Credit Card to earn 5,000 points within the calendar year, you will earn Luxe status. Your card will be upgraded to the black Banana Republic Luxe Card and you'll receive several additional benefits such as free shipping, quarterly bonus points, and much more.

Other Benefits

As a Banana Republic Credit Card member, you will also receive the following additional benefits:

  • Special Offers & Early Access To Sales
  • Bonus Points Shopping Days
  • No Receipt Required For Returns

There's also various other benefits that you'll receive by email for being a card member.

Sign Up Bonus

The standard sign up bonus for the Banana Republic Credit Card is 20% off your first purchase made at Banana Republic. You'll receive a 20% off discount code once you're approved and that code can only be used online at in the U.S. only. It will not be valid in-store or at other Gap brands. Since this discount doesn't seem to have a cap, be sure to use it when you're ready to make a large purchase at Banana Republic. The discount is only good for 90 days after account opening.

Bonus Points

As a Banana Republic Credit Card member, you can earn an easy 1,000 points when you "Connect" with Gap. This can be done by going to the bottom of any Gap credit card details page. You'll earn 500 points when you enter your email address and 500 points when you opt to "Go Paperless" when it comes to paperless billing. It's an easy $10 rewards so I recommend signing up.

Credit Card Fees

Annual Fee
Authorized User Fee
Foreign Transaction Fee

Annual Fee

There is no annual fee for the Banana Republic Credit Card. This means you will always earn a positive return when you use the card for purchases. That makes this card a good investment if you enjoy shopping at Gap brands and plan on paying off your statement in full every month.

Authorized User Fee

There is no fee to add authorized users to your Banana Republic Credit Card account. If you have family or friends that shop at Banana Republic, you can add them as authorized users and build points faster.

Foreign Transaction Fee

The Banana Republic Credit Card has a 3% foreign transaction fee which makes this a bad choice for international spending and travel. I recommend using this card in the United States (including Puerto Rico) only as you do not want to eat away your rewards with unnecessary fees.

Remember that you will only earn the 5x points on Gap brands located in the U.S. and Canada. Purchases in Canada will still count as foreign transactions so you will only be earning a net 2% return.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any another rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Compare A Card
Select a card from the list below to compare it side by side against this card. You can search by card name (e.g. chase sapphire reserve, uber visa) or by rewards program (e.g. thankyou points, membership rewards points).
Currency Worth
This is the cash value of points and miles used in these calculations. You can click on the amount to change the value or you can select View Rewards As to calculate your rewards when transferred to partners.
View Rewards As...
0 Cent(s)
View Rewards As...
This section allows you to view your rewards as if you transferred them to a partner. Select a transfer partner below and the calculator will alter the calculator to reflect the transfer ratio and the reward currency of the receiving program. This only applies to the currency of the selected card. Not all programs have transfer partners. I also do not have the cash value of points and miles for all transfer partners.
Edit Value
Enter the cash value of these rewards in cents per point/mile. You can enter the value as X.XX cents or 0.0XXX cents. The maximum value allowed is 15 cents ($0.15) and the minimal value is 0.1 cents ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Deselect All
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
Reward Bonuses
This section holds sign up bonuses, loyalty bonuses, and bonus bonuses. Most bonuses here will be listed automatically based on certain criteria. You can click 'Extra Bonus' if you wish to enter your own bonus amount.
Extra Bonus
Any additional bonuses you wish to add such as a sign up bonus or point bonus for adding authorized users
Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
Learn how you can use cash back portals to earn hundreds in cash back every year booking travel and shopping online. Easily double and triple dip on rewards when you combine cash back portals, loyalty programs, and rewards credit cards.
Calculator Continues Below
Monetary Bonuses/Perks
This is a list of cash perks and bonuses associated with the selected card(s). Some perks will be listed here automatically. You can click on 'Perk Bonus' if you want to add additional value for the card.
Perk Bonus
Enter how much you value any unmentioned perks this card offers.
Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
Edit Fees
Edit the annual fee and authorized user fee of the Card (if applicable).
Annual Fee: -
Auth Fee: -
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card when everything is taken into account.
Total Return
The percent you are earning per dollar spent on this card.

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Page Last Updated: 2020-02-09
Written By: Robert Flowers III

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About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.

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