Banana Republic Luxe Credit Card

For People with
Fair Credit

The Banana Republic Luxe Credit Card includes all the same benefits as the Banana Republic Visa Credit Card (Review) and the Banana Republic Card (Review), but with a few upgrades.

In order to get this card, you need to have the Banana Republic Credit Card or Visa card and earn 5,000 points in one year, and every year after in order to maintain Luxe status.

Perks include everyday free shippingfree basic alterations at Banana Republic, quarterly 20% bonus points, and more.

Where can I use my Banana Republic Luxe Credit Card?

This card can only be used at Banana Republic and other affiliated stores, including the Gap, Old Navy, Piperlime, and Athleta. There are two other versions of this card: the Banana Republic Card, which can also only be used at these stores, and the Banana Republic Visa Credit Card, which can be used anywhere Visa credit cards are accepted.

See how all three of these cards compare in our Review of the Banana Republic Credit Card and the Banana Republic Visa Credit Card.

Card Quick Facts

Card Quick Facts

  • Earn 5X points per dollar spent at Banana Republic brands, in-store and online
  • Earn 1X point per dollar spent on all other purchases
  • Earn 20% additional reward points at the end of each quarter
  • You get to choose your own sale day
  • Free 3-5 day shipping everyday
  • Free basic alterations at Banana Republic
  • Triple points shopping days; triple points on eligible purchases during select days throughout the year

For People with
Fair Credit

Manage My Card

Want to pay a bill or check your balance?

Card Details



  • 5X points per dollar spent on Banana Republic brands, in-store and online
  • 1X point per dollar spent on all other purchases
  • Earn 20% additional reward points at the end of each quarter
How to Redeem
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 28.24% Variable
Intro Purchase APR -
Foreign Transaction Fee 3%
Chip Technology Chip-and-Signature
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score No
Penalty APR None
Late Fee Up to $39
Returned Payment Fee -
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR -
Balance Transfer Fee -
Cash Advances

Cash Advances

Cash Advance APR 29.24% Variable
Cash Advance Fee 4%, $10 minimum

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • 1,000-Point Reward

    Sign up for your card on Banana Republic website using your email address for 500 points and opt for paperless statements and you’ll get another 500 points back in rewards.

  • Exclusive Deals & Sales

    Get savings that non-cardholders won’t get all year round.

  • Choose Your Own Sale Day

    Pick your very own all-day savings pass.

  • Free Online Shipping

    Enter the code LUXE to get free online shipping.

  • Birthday Gift

    Get a free cardmember only birthday gift every year.

  • No Receipt Required Returns

    You don’t need receipts to make returns if you made your purchases on your card.

  • Unlimited Complimentary Basic Alterations

    On Banana Republic merchandise.

  • Visa Benefits

    You will be provided with a list of benefits available to you if you get the Visa version of this card.

  • Zero Fraud Liability

    You will not be held responsible for unauthorized use of your card.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

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