The Banana Republic Credit Card is a great option if you're looking to earn an easy 5% return on purchases made at Banana Republic and other Gap brands. Along with giving you the best return on your shopping at Gap brands, you'll also receive exclusive cardholder benefits such as special offers, an annual birthday gift, and more. If you're spend enough to earn 5,000 points with the card, you'll be upgraded to the Banana Republic Luxe Card and receive even more benefits that can save you money at Gap brand stores.
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Bonus Categories
The Banana Republic Credit Card features one bonus category which is shopping done at Gap brand stores. There is no limit to the amount of bonus points you can earn spending at Gap brand stores and no limit to the amount of points you can earn with the Banana Republic Credit 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
- Include purchases made in-store, online, over the phone, and via mail with:
- 1x Non-Category
Perks & Benefits
The Banana Republic Credit Card comes with a good amount of benefits that can help those that enjoy shopping at their stores.
- 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.
- Spend To Luxe Status
- When you earn 5,000 points within the calendar year, you'll be upgraded to Luxe Status.
- Your card will be upgraded to the Banana Republic Luxe Card.
- Special Offers & Early Access To Sales
- Bonus Point Shopping Days
- No Receipt Required For Returns
Sign Up Bonus
The standard sign up bonus for the Banana Republic Credit Card is 20% off your first purchase made at Banana Republic. You'll receive a 20% off discount code once you're approved and that code can only be used online at BananaRepublic.com in the U.S. only. It will not be valid in-store or at other Gap brands. Since this discount doesn't seem to have a cap, be sure to use it when you're ready to make a large purchase at Banana Republic. The discount is only good for 90 days after account opening.
Bonus Points
As a Banana Republic Credit Card member, you can earn an easy 1,000 points when you "Connect" with Gap. This can be done by going to the bottom of any Gap credit card details page. You'll earn 500 points when you enter your email address and 500 points when you opt to "Go Paperless" when it comes to paperless billing. It's an easy $10 rewards so I recommend signing up.
Fees
Annual Fee
There is no annual fee for the Banana Republic Credit Card. This means you will always earn a positive return when you use the card for purchases. That makes this card a good investment if you enjoy shopping at Gap brands and plan on paying off your statement in full every month.
Authorized User Fee
There is no fee to add authorized users to your Banana Republic Credit Card account. If you have family or friends that shop at Banana Republic, you can add them as authorized users and build points faster.
Foreign Transaction Fee
The Banana Republic Credit Card has a 3% foreign transaction fee which makes this a bad choice for international spending and travel. I recommend using this card in the United States (including Puerto Rico) only as you do not want to eat away your rewards with unnecessary fees.
Rewards Calculator
You can use the 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 the value of the rewards earned and how much each benefit is worth to you, minus the annual fees. You can click the Compare A Card button to compare this card side by side any other card featured on the site within the same calculator.
Note! All category spend entered in the primary card's column (first column when comparing cards) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.
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