Banana Republic Luxe Card Calculator

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.

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

Rewards Rate Details

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

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.

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.

Rewards Calculator

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
FEE Annual Fee
The annual fee of the selected credit card.
AU Auth Fee
The authorized user fee of the selected credit card.
$ 0
SUB Intro Bonus
If the card has an intro bonus, you can enter it here. If you're unsure of the bonus, you can click the Learn More link by the card image to be taken to the issuer's website (in a new tab).
EV Extra Cash Value
Enter any additional cash value you want to give the card such as the value of unaccounted for perks and benefits.
$
Compare A Card
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These cards are part of the same family.
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These are similar cards based on earning structure and other benefits (that aren't part of the same family).
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Search for credit cards by name, rewards program, or rewards currency.
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Currency Worth

The value of the rewards associated with the selected credit card(s). You can click the currency to edit the value or change it to reflect transfer partners.
Card 1
Card 2

Loyalty & Memberships

Hotel elite status, loyalty program status, and memberships. These are typically calculated based on a selection though some are calculated automatically. Most cards will not have anything in this section.
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Category Spending

Click on a category to enter how much you plan on spending. You can add or remove categories, change the order of the categories, or view additional options.
Categories
Change Order
Options
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.
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Reward Bonuses

Any extra bonuses to do with a specific card will be listed here. You can edit/add the Intro Bonus (SUB) under the Credit Card section.
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Subtotal

This is the sum of all rewards earned from Category Spending and Reward Bonuses along with the cash value of it all based on Currency Worth.
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Card 2

Monetary Bonuses

This is the total of all cash bonuses associated with the card(s). You can change the value of those that feature the symbol. Other bonuses are automatic. If there's extra value (EV) you want to add to the card, you can click on the card under the Credit Card section. You can also click on to get details on the listed bonuses.
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Annual Fees

This is the sum of annual fees and authorized user fees associated with the credit card(s). You can edit the annual fee as well as change the number of authorized users by clicking on the card under the Credit Card section at the top of this calculator.
Card 1
Card 2

Grand Total

The estimated cash value of the card(s). This is the sum of the Subtotal and Monetary Bonuses minus Annual Fees. The return is based on estimated cash value divided by total credit card spend.
Card 1
Value:
Return:
Card 2
Value:
Return:

CardMatch™

Unsure of what type of rewards card you're looking for? Use CardMatch™ to get matched with offers, which may include special and/or prequalifed offers, on cards you're more likely to qualify for. You never know what great offers you might receive!

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.

Updated 2020-07-16 By Robert Flowers III

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