Banana Republic Store Card Calculator

Review the benefits of the Banana Republic Store Card, calculate how many points you can earn based on your spend, and compare results against top cards.
Updated 2020-07-16 By Robert Flowers III

The Banana Republic Store Card is a great option for those looking to earn a 5% return when shopping at Banana Republic and other Gap brands such as Gap, Old Navy, and Athleta. Being that it is a store card and has no network attached to it, you will only be able to use this credit card at Gap Brands and will not be able to use this card to earn points elsewhere like you can with the Banana Republic Visa Credit Card. Considering that all the Gap Credit Cards earn a terrible return on non-Gap purchases, the store cards offered by Gap are just as good as the Visa versions.

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

Bonus Categories

The Banana Republic Store Card earns bonus points on one category and that's Gap brand stores. There's no limit to the amount of bonus points you can earn using 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 Store Card does not have a network assigned to it (Visa, Mastercard, AMEX, Discover) so it cannot be used outside of shopping at the list of Gap brand stores that earns the 5x bonus points.

Perks & Benefits

The Banana Republic Store Card offers a nice bunch of benefits that can be useful if you find yourself at their brands often.

  • 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 Store Card is 20% off your first purchase made online at This discount is not valid in-store or at other Gap brands. The discount itself doesn't seem to have a cap, so be sure to apply for the card around the time you're ready to make a large purchase. The discount code will only be valid for 90 days after account opening.

Bonus Points

You can earn an easy $10 Reward when you "Connect" with Gap using the form on the bottom of any Gap credit card details page. You will 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'll need to already be a Gap credit cardholder to earn these points.


Annual Fee

The Banana Republic Store Card does not have an annual fee. This means you will earn a 5% return every time you use the card to make a purchase at a Gap brand store. Just be sure to pay your balance in full each statement otherwise you'll be paying a monthly fee called interest.

Authorized User Fee

There is no authorized user fee to add additional members to your Banana Republic Store Card. If you have family/friends that shop at Gap brands on a regular, adding them can help you earn points faster as well as help boost their credit if they need it.

Foreign Transaction Fee

This card cannot be used outside of Gap brand stores so the foreign transaction fee will not apply to the Banana Republic Store Card.

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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