In general, the rewards program used by Banana Republic Credit Card is quite simple. This is actually the same rewards program used for all brands at Gap Inc. No matter which of the 4 Banana Republic cards you use, the basic winning strategy is the same. Cardholders earn 5 points for every dollar spent on Gap brands. These points are earned on purchases made in-store, online, by mail, or over the phone.
Earning Points For Banana Republic Cardholders
For clarity, here is the Gap Inc. family of brands:
- small gap
- banana republic
- Banana Republic Factory Outlet
- GapFactory Store
- pregnancy interval
- difference output
- old navy
- Old Navy Store
As mentioned above, as the Banana Republic Visa or Banana Republic Visa Luxe cardholder, you will also earn 1 point for every $1 spent on all other purchases (wherever Visa is accepted) and a 20% bonus in points every quarter (will be applied to your account after the end of the quarter).
All cardholders can also collect a one-time bonus of 500 points each for:
Integration into electronic account statements via the online portal
Sign up to receive emails from brands Gap Inc.
Banana Republic cardholders can use their mobile wallet (Apple Pay, Samsung Pay, Google Pay) to make in-store purchases and earn rewards.
It is technically impossible to limit the number of points a member can earn. However, the fine print of the program indicates that the maximum amount awarded in a billing cycle is $250.
Additional terms indicate that any number of points less than the number required for the lowest reward mention (i.e. <500) will be carried over and applied to rewards for the next billing period. For example, if you accumulate 2,400 points in your Banana Republic account, you will receive a $20 reward and 200 points will be transferred to your balance in the next billing period.