Updated: 2 Aug 2022
Get BONUS POINTS each quarter that you make a purchase at Gap, Banana Republic, Old Navy, or Athleta!

DETAILS: Banana Republic Rewards Mastercard
Earn Points*: 100 points = $1 reward
First Purchase Discount: Receive 20% off with first purchase using your card within 14 days of account opening
Free Fast Shipping on Purchases of $50 or more
Early Access to select sales
Family of Brands Bonus: Earn 5 Points for every $1 spent across their family of brands–Unlock up to 2,000 bonus points annually when you shop at 2 or more Gap Inc. brands.
2 brands = 500 pts // 3 brands = 1,000 pts // 4 brands = 2,000 pts
Quarterly Bonus: Get bonus points each quarter that you make a purchase at Gap, Banana Republic, Old Navy, or Athleta
*POINTS: Earn 5 Points for every $1 spent at Gap, Banana Republic, Old Navy, and Athleta and for every $1 spent on all Mastercard purchases made outside the family of brands until January 31, 2023. Earn 1 Point for every $1 spent on all Mastercard purchases made outside the family of brands starting February 1, 2023.
In addition to the above features, there is $0 Fraud Liability Protection which means you’re not responsible for charges you did not authorize.
Rates and Fees
Min Credit Needed | Annual Fee | Purchase APR | Cash Advance APR |
---|---|---|---|
Good to Excellent | 0 | 27.49% | 28.49%, when using your Mastercard |
APR varies with the market based on the Prime Rate | APR varies with the market based on the Prime Rate |
Balance Transfer APR | Balance Transfer Fee |
---|---|
27.49% | $5 or 5% |
APR varies with the market based on the Prime Rate | Whichever is greater |
See Terms and Conditions for a complete list of all rates and fees. The Banana Republic Rewards Mastercard is issued through Barclay’s Bank.
PLUSES and MINUSES: Banana Republic Rewards Mastercard
PLUS | MINUS |
---|---|
No membership fees | No intro APR on purchases |
Many ways to earn points, both inside and outside of the family of brands | No intro APR on balance transfers |
BUILD CREDIT: Reporting to the three major credit bureaus | Good/Excellent credit required for this card |
HOW it works
THE APPLICATION There are two Banana Republic Credit Cards: The Banana Republic Rewards MasterCard and the Banana Republic Store Card (Banana Republic Rewards Credit Card). There’s one application and the card you will receive depends on your credit score. Customers with good or excellent credit usually get approved for the Mastercard, while those with fair credit are most likely to receive the store card.
Points and Rewards FAQ
Q: How many points do I need to earn a reward?
A: 100 points = $1 reward.
Q: How do I earn points?
A: When you shop in-store, you’ll earn points when you provide the phone number registered to your membership at checkout. For online purchases at athleta.com, bananarepublic.com, bananarepublicfactory.com, gap.com, gapfactory.com, and oldnavy.com, you’ll earn points if you are logged in with your email address.
Cardmembers will earn points on in-store and online purchases made with your Gap Inc. Credit Card.
Q: How many points do I earn for each dollar spent?
A: Cardmembers earn 5 points per $1 dollar spent with your Gap Inc. Credit Card at our family of brands.
Members earn 1 point per $1 dollar spent.
Gap Inc. Mastercard® Cardmembers earn 1 point for every $1 dollar spent outside of our brands. Gap Inc. World Mastercard® Cardmembers earn 2 points for every $1 dollar spent outside of our brands.
Q: How long does it take for points to post to my account?
A: Points will be posted to your account within one day from the date of purchase. Points are initially earned in a pending status. After 14 days, earned points become active.
Q: Do my points expire?
A: Points will not expire if you make at least one purchase every 12 months. Points expire after 12 months if you do not make any purchase in the 12 months after earning them. Points have no monetary value.
Q: How do I redeem my rewards?
A: You can use your phone number and email address to redeem rewards on purchases at our family of brands.
Q: How do I access my rewards?
A: To redeem rewards on in-store purchases, you’ll provide the phone number registered to your membership at checkout. For online purchases, you’ll log in using your email address.
Q: Who do I contact if I need help?
A: You can contact the Call Center at 1-888-BRSTYLE (1-888-277-8953).
Q: I have authorized users on my credit card account. Will they earn points when they use their credit card?
A: Yes, purchases made by authorized users will continue to earn points and will be deposited to your rewards account.
Q: How do I know how many points I have?
A: Simply log in to your Gap Inc. account to view your points and rewards information.
Q: How do I donate my rewards?
A: You can donate rewards to select organizations in the Earn & Redeem tab in your account.
Q: If I have multiple Gap Inc. Credit Cards, will my points be combined?
A: Yes, the new Rewards Program accumulates points from any of your Gap Inc. Credit Card accounts as long as your email address and phone number are the same for both accounts.
If you notice any discrepancies, please call 1-888-BRSTYLE (1-888-277-8953) for help linking your accounts.
Q: If I have a Rewards Program account and a Gap Inc. Credit Card account, will my points be combined?
A: Yes, points will be combined in the same points bank as long as your email address and phone number are the same for both accounts.
About Banana Republic
Selling: menswear, womenswear, baby, athletics, accessories, footwear, fragrances, and home
A global lifestyle brand with over 400 company-operated and franchise stores, its founders were progressive entrepreneurs who embodied a pioneering spirit. They loved traveling and collecting surplus clothing, which they used to outfit the store.
Banana Republic is part of the Gap, Inc. family of stores.
About Barclay’s Bank
Barclays is a British universal bank. They support consumers and small businesses through retail banking services, and larger businesses and institutions through their corporate and investment banking services.
This post about Banana Republic Rewards Mastercard has not been furnished by the company. These details are provided for consumers and potential credit card applicants to make better financial decisions.