Banana Republic Luxe Store Card | Perks & Rewards Calculator

Banana Republic Luxe Store Card

Card Benefits & Rewards Calculator
5x Gap Brands
Free 3-5 Day Shipping
Quarterly Bonus Points
Free Basic Alterations
Choose Your Own Sale Day
Bonus Points Shopping Days
Birthday Gift
Easy Returns
Spend To Luxe Status

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!

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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.

Bonus Categories

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:

  • Athleta
  • Gap
  • GapBody
  • babyGap
  • GapKids
  • 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.

0x Non-Category

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.

Birthday Gift

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.

Free Shipping

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 Do note that you will not be able to return or exchange merchandise that has been altered.

Other Benefits

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.

Bonus Points

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

Annual Fee
Authorized User Fee
Foreign Transaction Fee

Annual 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.

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 ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
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Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) 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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