90,000 Points
Worth $1,080
After you spend $5,000 on purchases on your new card in your first 3 months of card membership.
- 1.2%Everywhere
Annual Fee
$499
Rec. Credit
Excellent
Barclays
Banana Republic
The Banana Republic card is built for regular Banana Republic shoppers who want a simple way to earn store rewards on purchases they were already going to make. It works best as a specialist retail card for brand-loyal customers, not as an everyday card for broad spending.
Annual Fee
$0
Rec. Credit Score
Good
Good For
Frequent Banana Republic shoppers
All information about Banana Republic has been collected independently by MaxRewards. Banana Republic is no longer available through MaxRewards.
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Overview
Is the Banana Republic worth it?
This card is great for...
Banana Republic purchases
Gap brand loyalists
No annual fee store rewards
This card is worth considering if you shop at Banana Republic often enough to make the 5% back in rewards meaningful. With no annual fee, there is little downside to holding it for purchases at the brand, especially if you already buy clothing there regularly and want a straightforward discount in the form of rewards.
For most other spending, though, this is not a strong primary card. Earning 1% back everywhere else is easy to match or beat with a general cash back card, and there are no listed travel, purchase, or lifestyle perks to broaden its appeal. The case for this card is simple: use it at Banana Republic, and likely keep a different card in your wallet for everything else.
MaxRewards Verdict
A sensible pick for loyal Banana Republic customers who want store rewards without paying an annual fee. Outside the brand, its value drops off quickly, so most people should treat it as a store card rather than a main card.
Earning
Rewards
The rewards setup is easy to understand: higher earnings at Banana Republic, basic earnings everywhere else. The real question is how much of your spending happens with the brand, because that is where this card earns its keep.
CategoryRate
Banana Republic
5%
Everywhere
1%
Rewards percent based on a valuation of 1¢ per GAP point
Eligibility
Recommended Minimum Credit
Min: Good
Poor
Fair
Good
Excellent
Good credit or higher is recommended for this card.
Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.
Pricing
Rates & Fees
Annual Fee
$0
Foreign Transaction Fee
None
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Other cards from Barclays
See all 50 cards
100,000 Points
Worth $1,000
After you spend $5,000 on purchases on your new card in your first 5 months of card membership.
- 7%GM
- 3%Everywhere
Annual Fee
$0
Rec. Credit
Excellent
70,000 Points
Worth $840
After you spend $1,000 on purchases on your new card in your first 3 months of card membership.
- 7.2%JetBlue
- 2.4%Dining
- 2.4%Grocery
Annual Fee
$99
Rec. Credit
Excellent