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5X points at Gap Inc. brands with $0 annual fee
Earn 5 points per $1 at Banana Republic, Gap, Old Navy, and Athleta — effectively 5% back on every in-brand purchase. With $0 annual fee, 20% off your first purchase, free shipping on $50+ orders, and Icon status benefits including birthday bonuses and early sale access, this card turns everyday Gap Inc. shopping into consistent rewards.
$0
Annual Fee
5X
Top Rate
Annual Fee
$0
Network
Mastercard Standard
Rewards Currency
Gap Family
Credit Required
Good to Excellent
5X
Earn 5 Points for every $1 spent at Athleta
5X
Earn 5 Points for every $1 spent at Banana Republic
5X
Earn 5 Points for every $1 spent at Gap
5X
Earn 5 Points for every $1 spent at Old Navy
Spend $200/month at Banana Republic and earn 12,000 points per year — that's $120 in rewards, plus up to $20 more from the Family of Brands bonus.
Spend $500/month on groceries, gas, and dining to earn 6,000 points per year — $60 in rewards redeemable at Gap Inc. brands.
Benefits & Perks
Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Complimentary HealthLock membership to monitor and protect your medical identity and data.
Items purchased with your card are covered against damage or theft for 45 days, up to $100 per claim.
Reviews & Analysis
The Banana Republic Rewards Mastercard earns 5X points (5% back) at all Gap Inc. brands with no annual fee. Points redeem at 1 cent each for merchandise only. The 1X rate on non-brand purchases and 3% foreign transaction fee make it weak outside the Gap ecosystem. Best for customers who regularly shop at Banana Republic.
Details & Terms
| Purchase APR | 33.24% (Variable) |
| Cash Advance APR | 33.24% (Variable) |
5X points at Gap Inc. brands with $0 annual fee
Earn 5 points per $1 at Banana Republic, Gap, Old Navy, and Athleta — effectively 5% back on every in-brand purchase. With $0 annual fee, 20% off your first purchase, free shipping on $50+ orders, and Icon status benefits including birthday bonuses and early sale access, this card turns everyday Gap Inc. shopping into consistent rewards.
$0
Annual Fee
5X
Top Rate
Annual Fee
$0
Network
Mastercard Standard
Rewards Currency
Gap Family
Credit Required
Good to Excellent
5X
Earn 5 Points for every $1 spent at Athleta
5X
Earn 5 Points for every $1 spent at Banana Republic
5X
Earn 5 Points for every $1 spent at Gap
5X
Earn 5 Points for every $1 spent at Old Navy
Spend $200/month at Banana Republic and earn 12,000 points per year — that's $120 in rewards, plus up to $20 more from the Family of Brands bonus.
Spend $500/month on groceries, gas, and dining to earn 6,000 points per year — $60 in rewards redeemable at Gap Inc. brands.
Benefits & Perks
Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Complimentary HealthLock membership to monitor and protect your medical identity and data.
Items purchased with your card are covered against damage or theft for 45 days, up to $100 per claim.
Reviews & Analysis
The Banana Republic Rewards Mastercard earns 5X points (5% back) at all Gap Inc. brands with no annual fee. Points redeem at 1 cent each for merchandise only. The 1X rate on non-brand purchases and 3% foreign transaction fee make it weak outside the Gap ecosystem. Best for customers who regularly shop at Banana Republic.
Details & Terms
| Purchase APR | 33.24% (Variable) |
| Cash Advance APR | 33.24% (Variable) |
5X points at Gap Inc. brands with $0 annual fee
Earn 5 points per $1 at Banana Republic, Gap, Old Navy, and Athleta — effectively 5% back on every in-brand purchase. With $0 annual fee, 20% off your first purchase, free shipping on $50+ orders, and Icon status benefits including birthday bonuses and early sale access, this card turns everyday Gap Inc. shopping into consistent rewards.
$0
Annual Fee
5X
Top Rate
Annual Fee
$0
Network
Mastercard Standard
Rewards Currency
Gap Family
Credit Required
Good to Excellent
5X
Earn 5 Points for every $1 spent at Athleta
5X
Earn 5 Points for every $1 spent at Banana Republic
5X
Earn 5 Points for every $1 spent at Gap
5X
Earn 5 Points for every $1 spent at Old Navy
Spend $200/month at Banana Republic and earn 12,000 points per year — that's $120 in rewards, plus up to $20 more from the Family of Brands bonus.
Spend $500/month on groceries, gas, and dining to earn 6,000 points per year — $60 in rewards redeemable at Gap Inc. brands.
Benefits & Perks
Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Complimentary HealthLock membership to monitor and protect your medical identity and data.
Items purchased with your card are covered against damage or theft for 45 days, up to $100 per claim.
Reviews & Analysis
The Banana Republic Rewards Mastercard earns 5X points (5% back) at all Gap Inc. brands with no annual fee. Points redeem at 1 cent each for merchandise only. The 1X rate on non-brand purchases and 3% foreign transaction fee make it weak outside the Gap ecosystem. Best for customers who regularly shop at Banana Republic.
Details & Terms
| Purchase APR | 33.24% (Variable) |
| Cash Advance APR | 33.24% (Variable) |
NerdWallet's guide covering rewards structure, perks, and how to maximize value at Banana Republic stores
Bankrate's assessment of the card's rewards program, fees, and overall value proposition
Detailed review exploring features, benefits, and drawbacks of the Banana Republic Mastercard for different shopper types
Comprehensive guide to earning and maximizing Banana Republic rewards points across Gap Inc. brands
Money.com's roundup of top retail credit cards, featuring the Banana Republic Mastercard in comparison context
Comprehensive analysis of the Banana Republic Mastercard rewards structure and comparison to competing retail cards
Credit Karma's member-driven insights and ratings for the Banana Republic Rewards Mastercard
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
NerdWallet's guide covering rewards structure, perks, and how to maximize value at Banana Republic stores
Bankrate's assessment of the card's rewards program, fees, and overall value proposition
Detailed review exploring features, benefits, and drawbacks of the Banana Republic Mastercard for different shopper types
Comprehensive guide to earning and maximizing Banana Republic rewards points across Gap Inc. brands
Money.com's roundup of top retail credit cards, featuring the Banana Republic Mastercard in comparison context
Comprehensive analysis of the Banana Republic Mastercard rewards structure and comparison to competing retail cards
Credit Karma's member-driven insights and ratings for the Banana Republic Rewards Mastercard
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
NerdWallet's guide covering rewards structure, perks, and how to maximize value at Banana Republic stores
Bankrate's assessment of the card's rewards program, fees, and overall value proposition
Detailed review exploring features, benefits, and drawbacks of the Banana Republic Mastercard for different shopper types
Comprehensive guide to earning and maximizing Banana Republic rewards points across Gap Inc. brands
Money.com's roundup of top retail credit cards, featuring the Banana Republic Mastercard in comparison context
Comprehensive analysis of the Banana Republic Mastercard rewards structure and comparison to competing retail cards
Credit Karma's member-driven insights and ratings for the Banana Republic Rewards Mastercard
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
