Banana Republic Rewards Mastercard® (2024)

*Terms and Conditions Apply:

Offer subject to credit approval. This offer is available through this advertisem*nt and may not be accessible elsewhere. Other offers may be available. See Terms and Conditions for pricing and other details.

This one-time offer is valid for eligible cardmembers. You may not be eligible for this offer if you currently have or previously had an account with us in this program. In addition, you may not be eligible for this offer if, at any time during our relationship with you, we have cause, as determined by us in our sole discretion, to suspect that the account is being obtained or will be used for abusive or gaming activity (such as, but not limited to, obtaining or using the account to maximize rewards earned in a manner that is not consistent with typical consumer activity and/or multiple credit card account applications/openings). Please see the About This Offer section of the Terms and Conditions for important information.

Earn Points: A Gap Inc. Credit Card must be used as sole payment type. See Reward Program Terms at www.bananarepublic.com/RewardProgramTerms for details about earning and redeeming points and rewards.

5x Earn from account opening through 1/31/23: Banana Republic Rewards Mastercard Cardmembers who apply by 9/30/2022 will earn 5 points for every $1 spent on purchases, outside of Gap Inc. brands, with transaction dates through 1/31/2023. After 1/31/2023, you will earn 1 point for every $1 spent on purchases, outside of Gap Inc. brands. It can take up to 14 days for points to be available for redemption. See Reward Program Terms for details on redeeming points and rewards.

First Purchase Discount: Your new credit card must be used as sole payment type. Code expires at 11:59pm PT fourteen (14) days from date of Account open. Open a new Banana Republic Rewards Credit Card Account to receive a 20% discount on your first purchase. If new Account is opened in Banana Republic stores, discount will be applied to first purchase in store made same day. If new Account is opened at bananarepublic.gap.com discount code expires at 11:59pm PT 14 days from date of Account open. Not valid at other brands. Valid only in the U.S. (including Puerto Rico). Only one Account opening discount per Account. The First Purchase discount and Family of Brands discounts cannot be combined. Discounts cannot be combined with FitPro, Brand Ambassador, student, or employee discount, but can be combined with one other offer in a single transaction. Excludes gift cards, shipping, taxes, third-party and co-branded merchandise at Banana Republic and Yeezy Gap. No adjustments to previous purchases. Not valid in our Clearance Center. Offer subject to change.

Free Shipping on Purchases of $50 or more: Must be signed into your online account to receive offer. Valid for online offers totaling at least $50 after discounts and before taxes shipped anywhere in the U.S. (including Puerto Rico). If you choose another shipping option, additional charges may apply. Orders must be shipped to a single address. Eligible program members receive free 3-5 day shipping on orders of $50 or greater.Icon members receive free 2-3 day shipping on orders of $50 or greater. See www.bananarepublic.com/RewardProgramTerms for additional terms and details, including any eligibility restrictions.

The Gap Inc. Mastercard is issued by Barclays Bank Delaware (Barclays) pursuant to a license from Mastercard International Incorporated. Mastercard, World Mastercard and World Elite Mastercard are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated.

The Gap Inc. credit card is issued by Barclays Bank Delaware.

*Terms and Conditions Apply:

Offer subject to credit approval. This offer is available through this advertisem*nt and may not be accessible elsewhere. Other offers may be available. See Terms and Conditions for pricing and other details.

This one-time offer is valid for eligible cardmembers. You may not be eligible for this offer if you currently have or previously had an account with us in this program. In addition, you may not be eligible for this offer if, at any time during our relationship with you, we have cause, as determined by us in our sole discretion, to suspect that the account is being obtained or will be used for abusive or gaming activity (such as, but not limited to, obtaining or using the account to maximize rewards earned in a manner that is not consistent with typical consumer activity and/or multiple credit card account applications/openings). Please see the About This Offer section of the Terms and Conditions for important information.

Earn Points: A Gap Inc. Credit Card must be used as sole payment type. See Reward Program Terms at www.bananarepublic.com/RewardProgramTerms for details about earning and redeeming points and rewards.

5x Earn from account opening through 1/31/23: Banana Republic Rewards Mastercard Cardmembers who apply by 9/30/2022 will earn 5 points for every $1 spent on purchases, outside of Gap Inc. brands, with transaction dates through 1/31/2023. After 1/31/2023, you will earn 1 point for every $1 spent on purchases, outside of Gap Inc. brands. It can take up to 14 days for points to be available for redemption. See Reward Program Terms for details on redeeming points and rewards.

First Purchase Discount: Your new credit card must be used as sole payment type. Code expires at 11:59pm PT fourteen (14) days from date of Account open. Open a new Banana Republic Rewards Credit Card Account to receive a 20% discount on your first purchase. If new Account is opened in Banana Republic stores, discount will be applied to first purchase in store made same day. If new Account is opened at bananarepublic.gap.com discount code expires at 11:59pm PT 14 days from date of Account open. Not valid at other brands. Valid only in the U.S. (including Puerto Rico). Only one Account opening discount per Account. The First Purchase discount and Family of Brands discounts cannot be combined. Discounts cannot be combined with FitPro, Brand Ambassador, student, or employee discount, but can be combined with one other offer in a single transaction. Excludes gift cards, shipping, taxes, third-party and co-branded merchandise at Banana Republic and Yeezy Gap. No adjustments to previous purchases. Not valid in our Clearance Center. Offer subject to change.

Free Shipping on Purchases of $50 or more: Must be signed into your online account to receive offer. Valid for online offers totaling at least $50 after discounts and before taxes shipped anywhere in the U.S. (including Puerto Rico). If you choose another shipping option, additional charges may apply. Orders must be shipped to a single address. Eligible program members receive free 3-5 day shipping on orders of $50 or greater.Icon members receive free 2-3 day shipping on orders of $50 or greater. See www.bananarepublic.com/RewardProgramTerms for additional terms and details, including any eligibility restrictions.

The Gap Inc. Mastercard is issued by Barclays Bank Delaware (Barclays) pursuant to a license from Mastercard International Incorporated. Mastercard, World Mastercard and World Elite Mastercard are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated.

The Gap Inc. credit card is issued by Barclays Bank Delaware.

Banana Republic Rewards Mastercard® (2024)

FAQs

Is the banana republic credit card hard to get approved for? ›

The credit score you need for a Banana Republic Credit Card is 700 or better. That means people with at least good credit have a shot at getting approved for this card. The Banana Republic Store Card, though, accepts people with fair credit or better, but it can only be used at Banana Republic and affiliated stores.

Can I use my banana republic Mastercard anywhere? ›

There is a store-only version of the card, but the Banana Republic Rewards Mastercard® Credit Card can be used anywhere Mastercard is accepted. It earns: 5 points for every $1 spent on Gap Inc.

What bank issues banana republic credit card? ›

Credit Cards are issued by Barclays Bank. You can activate your card with Barclays Bank online at bananarepublic.com/activate or by calling 866-503-9448.

How does a Rewards Mastercard work? ›

You could earn points for every dollar you spend. You can then redeem your points for rewards such as travel discounts, merchandise or gift cards. Plus, there is no deadline for using your points.

What credit bureau does banana republic use? ›

What credit bureau does Banana Republic Store Card use? When you apply for the Banana Republic Store card, the lender is most likely to check your credit report from TransUnion. In fact, Synchrony uses TransUnion nearly exclusively.

What's the hardest card to get approved for? ›

Hardest Credit Card to Get Overall

A rating of 5 is the best a card can receive. Why it's one of the hardest credit cards to get: The hardest credit card to get is the American Express Centurion Card. Known simply as the “Black Card,” you need an invitation to get Amex Centurion.

What is the easiest card to get approved? ›

NerdWallet's Easiest Credit Cards to Get of June 2024
  • OpenSky® Plus Secured Visa® Credit Card: Best for No credit check and no bank account required.
  • Chime Secured Credit Builder Visa® Credit Card: Best for No credit check + flexibility and guardrails.
  • Mission Lane Visa® Credit Card: Best for Unsecured card for bad credit.

What do you need for a Banana Republic credit card? ›

Adam McCann, Financial Writer

Alternatively, you can apply by phone and in store. Keep in mind that the Banana Republic Credit Card requires Good credit, which means you need a 700+ credit score for high approval odds.

Can I use my Banana Republic card at Old Navy? ›

If, on the other hand, you have the Banana Republic Store Card, its use will be restricted to U.S.-based Banana Republic, Gap, Old Navy, and Athleta stores, along with their corresponding online stores.

Does canceling a credit card hurt your credit? ›

Credit experts advise against closing credit cards, even when you're not using them, for good reason. “Canceling a credit card has the potential to reduce your score, not increase it,” says Beverly Harzog, credit card expert and consumer finance analyst for U.S. News & World Report.

Are rewards cards really worth it? ›

Are rewards credit cards worth it? In most cases, yes — as long as you're not carrying a balance (on which you will have to pay interest) and any annual fees charged by the card are less than the value of the rewards you earn each year.

Do rewards cards build credit? ›

Using a rewards card responsibly can be part of building credit and improving your credit score. And that's true of any credit card, whether it offers rewards or not.

What is the difference between a Rewards credit card and a regular credit card? ›

Rewards credit cards come with enticing benefits: You can earn cash back, points or miles that help you stretch your budget or go on a dream vacation. But there are some trade-offs. For example, they tend to carry higher APRs, which means you'll be paying more if you carry a balance.

Who is the issuer of Banana Republic credit cards? ›

Barclays to become exclusive issuer of Gap Inc. credit cards and Mastercard to become exclusive network for Gap Inc.'s co-branded credit cards across Old Navy, Gap, Banana Republic and Athleta brands.

How do banana republic rewards work? ›

For every 1,000 Points you earn on your Gap or Banana Republic Account, you will receive a Reward Certificate value of $10 for that Account. Gap and Banana Republic Reward Cards will be issued in increments of $10, with a minimum value of $10 and a maximum value of $50.

Is there an annual fee for a Banana Republic credit card? ›

Annual fee: $0. Welcome bonus: 20% off the first purchase at Banana Republic. Rewards: 5 points per $1 spent at Gap, Banana Republic, Old Navy, and Athleta and 1 point per $1 on all other Mastercard purchases.

What do you need for a banana republic credit card? ›

Adam McCann, Financial Writer

Alternatively, you can apply by phone and in store. Keep in mind that the Banana Republic Credit Card requires Good credit, which means you need a 700+ credit score for high approval odds.

Which bank approves credit card easily? ›

The Discover it® Secured Credit Card is our top pick for easiest credit card to get because it's geared toward those with limited/poor credit. It offers great rewards and charges a $0 annual fee. Plus, Discover will conduct monthly account reviews after seven months to see if you qualify to get your deposit refunded.

What store credit cards are hard to get? ›

The hardest store-affiliated credit card to get is the Costco Anywhere Visa® Card by Citi because it requires excellent credit for approval, which means a credit score of 750 or higher. On top of that, the Costco Credit Card is only available to Costco members.

What credit score do you need to get approved for most credit cards? ›

A credit score of about 700+ will likely qualify you for just about any credit card, including those with cash back rewards, lower annual percentage rates (APRs) and more. However, there are plenty of cards you can get with a score lower than this (more on that later).

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