Banana Republic is a Luxury clothing retailer, and if you a frequent shopper you could use the retailer credit cards to earn some extra savings. You should know that the Visa Credit Card is for people with good credit, whereas the store-only card is available for those with limited and fair credit.
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The retailer offers two branded credit cards, the Banana Republic Credit Card and Banana Republic Visa Credit Card. Both cards also offer identical terms to Old Navy and Gap cobranded credit cards, which can also be be used at Banana Republic tores or online.
What you get with Banana Republic Cards?
– 20% OFF your first purchase made with your new card.
– 10% OFF for 60-day with the Welcome Shopping Pass
– Exclusive offers throughout the year.
– Earn points for every purchase made at the retailer family of brands – Old Navy GAP, Banana Republic or Athleta.
– Earn 5 points for every 1$ spent in stores and online.
– Visa Cardholders earn 1 point for every $1 spent everywhere Visa is accepted.
– A $5 Reward for every 500 points. The reward can be used at any of the Gap Family stores.
Go for the Banana Republic Luxe – the highest cardholder status by earning 5,000 points in a calendar year or more than $1,000, and you get extra offers like 20% Extra Bonus points every quarter, Free 3-5 day shipping for any online order with the promo code LUXE, and also Free basic alterations on Banana Republic purchases.
Free 500 points – Don’t miss the retailer paperless billing offer, earn 500 points by enrolling in paperless billing.
The Banana Republic cards has no annual fee, while the annual percentage rate or APR is over 27%.
Keep in mind that when you use your Visa card for foreign transactions outside the US, you will pay a 3% foreign transaction fee on every purchase.
Your Points Will Expire After 24 Months – If you don’t make a purchase for two years any points and rewards left will expire. Also, you can’t redeem more than 25,000 points in a single billing period or $250 in Rewards.
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Note: You can redeem up to 3 rewards in a single transaction in store, and up to 5 rewards if shopping online.