Banana Republic Credit Card

Card Details
Rewards	When you use the card for purchases at stores in the family of brands (like Banana Republic, Gap, Old Navy and Athleta), you earn 5 points per 1?US?dollar spent. For purchases outside of those brands (i.e. anywhere Visa/Mastercard credit cards are accepted), you earn 1 point per $1 spent.
Signup Bonus	20?% off your first purchase at Banana Republic (or any of the Gap?family stores) when you use the card.
Annual Fee	$0
Cardmember Agreement	View Here
Cash Advance APR	32.24% variable
Cash Advance Fee	Either $10 or 5% of the cash?advance amount — whichever is greater.
Late Payment Fee	Up to $41
Purchases APR	31.24% variable (subject to change)
* Card terms and offers are subject to change. Confirm current details with the issuer.

CARD OVERVIEW

The Banana Republic Credit Card stands out for rewarding shoppers loyal to Banana Republic and other Gap‑family brands. Most users say they love the 5× points on in‑brand purchases, the occasional 20% off first‑purchase bonus, and the fact there’s no annual fee. Many reviewers mentioned that earning points is straightforward, rewards are easy to redeem, and perks like member‑only sales and free shipping feel like a nice bonus.

On the flip side, users often complain about the high interest rate if you carry a balance, limited rewards outside Gap‑family stores, and occasionally frustrating customer service experiences. Some cardholders noted sudden account changes or credit‑limit reductions, which can be annoying if you rely on the card regularly.

Personally, I think this card is best for frequent shoppers of Banana Republic, Gap, Old Navy, or Athleta who pay their balance in full each month. For them, the rewards and perks can be meaningful. But for anyone who rarely shops these stores or carries a balance, the card’s high APR and narrow rewards focus make it less appealing. It’s a solid store card if you’re brand‑loyal, but not a must-have for general credit‑card users.