Banana Republic Luxe Store Card Calculator

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!
Updated 2020-07-16 By Robert Flowers III

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.

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

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

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.


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.

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 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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