Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
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.
Up to 5X (Athleta)
Highest rate (conditional)
Annual Fee
$0
Network
Mastercard Standard
Rewards Currency
Gap Family
Credit Required
Good to Excellent
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.
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
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
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
| Source | Verified | Citation |
|---|---|---|
| Barclays | — | Barclays |
| RewardsCC API | — | RewardsCC API |
| Issuer Page | Issuer Page: Earn rates | |
| Issuer Page | Issuer Page | |
| Issuer Page | Issuer Page: Welcome offer |
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
