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!
Updated 2020-07-16 By Robert Flowers III

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

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

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.

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.

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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