Banana Republic Luxe Card

Card Benefits & Rewards Calculator
5x Gap Brands
1x Everywhere Else
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 Credit Card, you'll receive the Luxe version. Learn the benefits, calculate rewards points, and compare!

In order to obtain the coveted Banana Republic Luxe Visa Card, you'll need to earn 5,000 points during the calendar year with the Banana Republic Credit Card. The easiest and most efficient way to do that is by spending $1,000 at Gap brand stores over the course of the year. Luxe status comes with several useful additional benefits which includes bonus points, free shipping, and more. If you typically spend a lot at Gap brand stores, you'll want to aim for Luxe status as it can save you money and earn you rewards faster.

Bonus Categories

The Banana Republic Luxe Card features one bonus category that earns bonus points which is Gap brands. There is no limit to the amount of bonus points you can earn spending at Gap brands and no limit to the amount of points you can earn with the card in general.

  • 5x Gap Brands
    • Include purchases made in-store, online, over the phone, and via mail with:
      • Athleta
      • Gap
      • GapBody
      • babyGap
      • GapKids
      • Gap Maternity
      • Gap Outlet
      • Gap Factory Store
      • Banana Republic
      • Banana Republic Factory Store
      • Old Navy
      • Old Navy Outlet
  • 1x Non-Category

Perks & Benefits

The Banana Republic Luxe Card comes with all the benefits of the Banana Republic Credit Card along with a few additional ones.

  • Birthday Gift
    • Receive a gift on your birthday annually when you've made at least one purchase on your card within the last 12 months.
    • Gift will typically be a coupon to use at Banana Republic.
  • 20% Bonus Points
    • Earn a bonus of 20% of points earned during the calendar quarter.
    • Example: If you earned 1,000 points between January and March (one quarter), you would earn a bonus 200 points.
  • Free 3-5 Day Shipping
    • Must use promotional code LUXE.
  • Free Basic Alterations
    • Only applies to merchandise purchases in-store or online with Banana Republic.
    • Do note that you cannot return or exchange merchandise that has been altered.
  • Choose Your Own Sale Day
  • Special Offers & Early Access To Sales
  • Bonus Point Shopping Days
  • No Receipt Required For Returns
  • Exclusive Toll-Free Luxe Hotline

Sign Up Bonus (SUB)

You cannot directly apply for the Banana Republic Luxe Card. You will need to apply for the Banana Republic Credit Card and earn Luxe status by earning 5,000 points running spend through the card.

Bonus Points

You can earn an easy 1,000 reward points redeemable for a $10 reward when you "Connect" with Gap by filling out the form located at the bottom of any of their Gap credit card details pages. 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 cardholder in order to take advantage of these bonus points.


Annual Fee

The Banana Republic Luxe Card does not have an annual fee. You will always earn a positive return when you use this card to make purchases at Gap brand stores as well as when you use the card to make purchases anywhere that VISA is accepted.

Authorized User Fee

There is no fee to add additional users to the Banana Republic Luxe Card. If you have family/friends that shop at Banana Republic and other Gap brands, I recommend adding them to earn points faster and to help you maintain Luxe status.

Foreign Transaction Fee

The Banana Republic Luxe Card has a 3% foreign transaction fee. That means you will be penalized 3% every time you use this card outside of the United States. Consider that the card is only good for U.S. and Canada purchases, I would steer clear of using this card internationally.

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 Credit 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 Credit Card and you will no longer have access to the extra 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.

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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 other rewards card side-by-side by clicking on the Compare A Card button.
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Total Card Value
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Banana Republic Luxe Card FAQ

What are the earning rates of the Banana Republic Luxe Card?

You will earn 5 points on purchases made at Banana Republic and all other Gap Brand stores and 1 point on all other purchases.

How much are points worth on the Banana Republic Luxe Card?

Points earned on the Banana Republic Luxe Card are worth 1 cent each. This means you'll earn a 5% return on Gap Brand purchases.

What are the benefits of Luxe card membership?

Luxe benefits include 20% bonus points, free 3-5 day shipping, free basic alterations, and choose your own sale day.

Does the Banana Republic Luxe Card have an annual fee?

No. There is no annual fee for the Banana Republic Luxe Card.

How do you get the Banana Republic Luxe Card?

You need to earn 5,000 points using the Banana Republic Credit Card. Once that is done, you will be upgraded to the Luxe Card version.

How many points can I earn using the Banana Republic Luxe Card?

It depends on how much you spend at Gap Brands. You can use the Banana Republic Luxe Card Calculator on this page to find out based on your spend.

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