Banana Republic Luxe Store Card Calculator

Card Details & Gap Rewards Point 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!


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 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

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.

Perks & 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
    • 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)

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.

Fees

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 other rewards card side-by-side by clicking on the Compare A Card button.
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Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
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Total Earnings
The sum of all spend and bonuses above this line and the cash value of it all.
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Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
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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 based on spend, benefits, and fees.
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Total Return
The percent you are earning based on spend, earnings, and fees.

Banana Republic Luxe Store Card FAQ

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

You will earn 5 points on purchases made at Banana Republic and all other Gap Brand stores. Since the card has no network, it cannot be used anywhere else.

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

Points earned on the Banana Republic Luxe Store 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 Store Card have an annual fee?

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

How do you get the Banana Republic Luxe Store Card?

You need to earn 5,000 points using the Banana Republic Store 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 Store Card?

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


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