Banana Republic Luxe Store Card
When you earn 5,000 points with the Banana Republic Store Card, you'll be given the Luxe version. Learn the perks, calculate points, and compare!
The Banana Republic Luxe Store Card is obtained by earning 5,000 points during the calendar year using the Banana Republic Store Card. Since this is a store card, the only way to obtain 5,000 points is by spending $1,000 at Gap brand stores. Luxe status comes with several additional benefits over the basic status which includes bonus points, free shipping, and more. It's a fairly easy status to obtain and is worth it for anyone who enjoys Banana Republic and Gap brand stores.
The Banana Republic Luxe Store Card earns bonus points on Gap brand purchases. There is no limit to the amount of bonus points you can earn with the card.
5x Gap Brand
Using the Banana Republic Luxe Store Card at Gap brand hotels will earn you 5 rewards points per $1 spent. Gap brand purchases are considered to be purchases made in-store (U.S. & Canada Only), online, via phone, or mail at:
- Gap Maternity
- Gap Outlet
- Gap Factory Store
- Banana Republic
- Banana Republic Factory Store
- Old Navy
- Old Navy Outlet
As with all Gap credit cards, spending at Gap brand stores will earn you a 5% return which is great if you spend money across the brands listed above. As a Banana Republic Luxe member, you'll earn an additional 20% point bonus on earned points during the quarter meaning this will come out to being a 6% return on your spend. It's only an increase of 1%, but that does add up over the course of the year.
The Banana Republic Luxe Store Card does not have a network associated with the card (VISA, Mastercard, etc.), so you will not be able to use this card outside of Gap brand purchases.
The non-store versions of Gap credit cards only earn a 1% return, so you're not missing out on anything not being able to use the card elsewhere. I recommend finding a solid cash back credit card if you're looking to earn rewards on rewards outside of Gap brands.
Perks and Benefits
The Banana Republic Luxe Store Card comes with a bunch of useful benefits that offers a little extra in savings over the basic store card.
Every year, on your birthday, Banana Republic will present to you a surprise birthday gift. This gift will typically be in the form of a discount coupon that will save you money on your next purchase. In order to receive such a coveted gift, you'll need to have at least made one purchase at Banana Republic within the last 12 months and your card will need to be in good standing.
20% Bonus Points
As a Banana Republic Luxe member, every quarter you will earn a bonus of 20% of points earned. This will be equal to basically earning an additional 1 rewards point per $1 spent for a total return of 6% on your Gap brand spend. Quarters are defined as your standard calendar quarters meaning January-March, April-June, July-September, and October-December. Bonus points will be added to your account at the end of the quarter.
This benefit is also offered on the Gap Silver credit cards and Navyist Credit Cards which are the enhanced versions of the Gap and Old Navy credit cards. Athleta does not offer an enhanced credit card so be aware of that if you plan on applying for the Athleta Visa Card or Athleta Store Card.
If you don't want to have to spend more than $50 to receive free shipping, you're in luck. Banana Republic Luxe members receive free 3-5 day shipping on purchases made online with Gap, Banana Republic, Old Navy, Athleta, Gap Factory, and Banana Republic Factory. This benefit is good for shipping to anywhere in the U.S. which includes Puerto Rico and only applies to 3-5 day shipping. Picking faster shipping (or even slower shipping) will generate additional charges. You'll need to use promotional code 'LUXE' to receive the promotional shipping as a Luxe member.
Free Basic Alterations
If something you purchase from Banana Republic needs to be slightly altered, it will be complimentary as a Luxe member. This will only apply to merchandise purchased in-store at Banana Republic or online at BananaRepublic.com. Do note that you will not be able to return or exchange merchandise that has been altered.
As a Banana Republic Luxe member, you will also have access to the following benefits:
- Special Offers & Early Access To Sales
- Bonus Points Shopping Days
- No Receipt Required For Returns
- Choose Your Own Sale Day
- Exclusive Toll-Free Luxe Hotline
Sign Up Bonus
One cannot merely apply for the Banana Republic Luxe Store Card. In order to obtain this card, you will first need to apply for the Banana Republic Store Card. You will then need to earn 5,000 points by spending $1,000 at Gap brands on the card. Only then will be given the Banana Republic Luxe Store Card.
You can earn an easy $10 reward when you "Connect" with Gap by going to any of their credit card details pages and filling out the form located on the bottom of the page. You'll earn 500 points when you enter your email address and another 500 points when you opt to "Go Paperless" when it comes to paperless billing. You will need to be a Gap credit cardholder in order to take advantage of these bonus points.
Credit Card Fees
|Authorized User Fee|
|Foreign Transaction Fee|
The Banana Republic Luxe Store Card has a $0 annual fee which means you will always be earning a high return of 6% on Gap brand purchases as long as you re-qualify for Luxe status every year.
Authorized User Fee
There is no fee to add additional users to the Banana Republic Luxe Store Card. If you have friends and family that enjoy spending at Gap brand stores, I recommend adding them so that you can earn more points and easily re-qualify for Luxe status year after year.
Foreign Transaction Fee
The Banana Republic Luxe Store Card does not have a network attached to it so it cannot be used outside of Gap brand stores. That being said, the bonus category only applies to U.S. and Canada locations anyway. Gap credit cards are not meant for international spending or travel.
Banana Republic Luxe Membership
You will need to re-qualify for Banana Republic Luxe status every calendar year. This is done by earning 5,000 points with your Banana Republic Luxe Store Card between January 1 and December 31. The easiest way to do such is by spending $1,000 at the Gap brand stores that qualify for the 5x bonus points multiplier.
Failure to reach 5,000 points in a calendar year will knock you back down to the basic Banana Republic Store Card and you will not longer have access to the benefits that comes with being a Banana Republic Luxe member.
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.
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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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