Banana Republic Store Card | Review & Rewards Calculator

Banana Republic Store Card

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

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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.

Bonus Categories

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:

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

0x Non-Category

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.

Birthday Gift

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.

Other Benefits

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 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.

Bonus Points

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

Annual Fee
Authorized User Fee
Foreign Transaction Fee

Annual 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.

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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