Banana Republic Store Card
The Banana Republic Store Card is a great option for those looking to earn a 5% return when shopping at Banana Republic and other Gap brands such as Gap, Old Navy, and Athleta. Being that it is a store card and has no network attached to it, you will only be able to use this credit card at Gap Brands and will not be able to use this card to earn points elsewhere like you can with the Banana Republic Visa Credit Card. Considering that all the Gap Credit Cards earn a terrible return on non-Gap purchases, the store cards offered by Gap are just as good as the Visa versions.
The Banana Republic Store Card earns bonus points on one category and that's Gap brand stores. There's no limit to the amount of bonus points you can earn using the card.
5x Gap Brand
When you use the Banana Republic Store Card at Gap brand stores, you'll earn 5 rewards points per $1 spent. Gap brand purchases, as outlined by the terms, 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
Since Gap Rewards Points are worth 1 cent each, you're looking at a return of 5% when you use this card at Gap brand stores which is great. Since all Gap credit cards earn the same high return, you'll want to choose this card if you prefer Banana Republic over the other brands.
The Banana Republic Store Card has a very high interest rate so be sure to pay off your statement balance in full every month if you have the card. If you don't, the interest will eat away at the rewards faster than you can earn them.
The Banana Republic Store Card does not have a network assigned to it (Visa, Mastercard, AMEX, Discover) so it cannot be used outside of shopping at the list of Gap brand stores that earns the 5x bonus points.
If you want to earn rewards on other purchases that can be used towards Gap purchases, I recommend picking up a flat rate cash back credit card such as the Citi Double Cash or PayPal Cashback Mastercard.
Perks and Benefits
The Banana Republic Store Card offers a nice bunch of benefits that can be useful if you find yourself at their brands often.
Every year that you hold onto the Banana Republic Store Card, you will receive a birthday gift. This gift will usually be in the form of a discount coupon that can save you some money on your next purchase. In order to be eligible to receive the sacred birthday gift, you will need to have used your Banana Republic Credit Card at least once within the last 12 months and your card must be in good standing.
Spend To Luxe Status
When you run $1,000 in spend through your Banana Republic Card and earn 5,000 points, you'll be given Banana Republic Luxe Status. With this status you will receive the Banana Republic Luxe Credit Card and several other benefits including bonus points, free shipping, free basic alterations, and more. It's a very low spend requirement and the bonus points you earn will net you a 6% return when using this card.
When you wield the Banana Republic Store Card, you will also receive several other benefits which includes:
- Special Offers & Early Access To Sales
- Bonus Points Shopping Days
- No Receipt Required For Returns
Sign Up Bonus
The standard sign up bonus for the Banana Republic Store Card is 20% off your first purchase made online at BananaRepublic.com. This discount is not valid in-store or at other Gap brands. The discount itself doesn't seem to have a cap, so be sure to apply for the card around the time you're ready to make a large purchase. The discount code will only be valid for 90 days after account opening.
You can earn an easy $10 Reward when you "Connect" with Gap using the form on the bottom of any Gap credit card details page. You will 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'll need to already be a Gap credit cardholder to earn these points.
Credit Card Fees
|Authorized User Fee|
|Foreign Transaction Fee|
The Banana Republic Store Card does not have an annual fee. This means you will earn a 5% return every time you use the card to make a purchase at a Gap brand store. Just be sure to pay your balance in full each statement otherwise you'll be paying a monthly fee called interest.
Authorized User Fee
There is no authorized user fee to add additional members to your Banana Republic Store Card. If you have family/friends that shop at Gap brands on a regular, adding them can help you earn points faster as well as help boost their credit if they need it.
Foreign Transaction Fee
This card cannot be used outside of Gap brand stores so the foreign transaction fee will not apply to the Banana Republic Store Card.
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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