It depends on your Banana Republic credit card. Banana Republic Cards or Banana Republic Luxe Cards can only be used at the Banana Republic and the brands of Gap Inc. (Gap, Old Navy, and Athleta).

Banana Republic Credit Card

Banana Republic Visa Cards and Banana Republic Visa Luxe Cards can be used anywhere Visa is accepted. In principle, if the card has the Visa logo on the front, you can spend it anywhere.

Common Questions

Is it worth it to get the Banana Republic credit card?

It depends on your consumption behavior. If you spend a lot of money on clothes, especially the Banana Republic and Gap Inc. family of brands, then yes, the Banana Republic credit card is probably worth it.

If you don’t want to spend a lot of money on clothes, or if you want to spread your wardrobe across several different brands, there are probably better cards for you.

Is there a fee associated with the Banana Republic credit card?

No, none of Banana Republic’s credit cards have an annual fee. However, keep in mind that you don’t just have to worry about annual fees. Don’t forget to check for fees and penalties like APRs, late payment fees, cash advance fees, and foreign transaction fees. For more information on the specific fees for Banana Republic credit cards, see the Fees and Cons section above.

What is the Banana Republic credit card?

All Banana Republic Cardmembers earn 5 points for every dollar spent on the Gap Inc. family of brands, and the Banana Republic Visa Cardmembers also earn 1 point for every dollar spent on all other purchases. At 500 points, you’ll earn a $5 reward to use toward any Gap Inc. brand purchase.

Our detailed explanation of Banana Republic rewards can be found in the previous section.

Banana Republic credit cards are issued by whom?

Synchrony Bank is the issuing bank of the Banana Republic credit card. It does this in partnership with Gap Inc., which also offers Gap and Old Navy credit cards, also issued by Synchrony Bank. All of these cards can be used at The Gap Inc. and they work the same way.