Banana Republic Credit Card Calculator

Learn the benefits that comes with having the Banana Republic Visa Credit Card, calculate how many points you can earn based on spend, and compare!
Updated 2020-07-16 By Robert Flowers III

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.

Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee

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
  • 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 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.


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.

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.
Compare A Card
Edit Card Options
Compare A Card
Family Cards
These cards are part of the same family.
Similar Cards
These are similar cards based on earning structure and other benefits (that aren't part of the same family).
Search Cards
Search for credit cards by name, rewards program, or rewards currency.
Search Results Display Here
Category Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
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.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all rewards earned from Category Spending and Reward Bonuses, along with the cash value of it all based on Currency Worth.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of Total Earnings based on Currency Worth.

Rakuten Rewards

$25 Bonus
Earn $25 or 2,500 Membership Rewards Points when you sign up for a Rakuten Rewards account and make a $25+ purchase. Rakuten and other cash back portals allows you to easily double and triple dip on rewards. I recommend using portals when booking travel or shopping online. You can sign up through The Point Calculator referral link to help out the site.
Sign Up For Free | Rakuten Review
Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User 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 based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

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