12
Benefits2
Reward Categories5x
Max Reward30%
APR FromBasic Information
PENDINGRewards Program (Detailed) 2 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Gap Inc. Brands | 5x | Points | Purchases made at Gap, Old Navy, Banana Republic, and Athleta stores and their respective websites. | No Cap | |
| All Other Purchases | 1x | Points | Purchases made everywhere else Visa credit cards are accepted, outside of Gap Inc. brands. | No Cap |
Rewards Summary
PENDINGReward Type: Rewards
Base Rate: 1x
Bonus Rate: 5x
Categories: Banana Republic, Gap, Old Navy, Athleta, Hill City, Janie and Jack
Quarterly Rotating: No
Point Value: 0.01¢
Benefits & Protections (Detailed) 12 Total
PENDINGShopping 6
Accelerated Rewards Earning at Gap Inc. Brands
5 points per $1Earn 5 points for every $1 spent at Banana Republic, Gap, Old Navy, Athleta, Factory, and Outlet stores.
Standard Rewards Earning Everywhere Else
1 point per $1Earn 1 point for every $1 spent everywhere else Visa is accepted.
Rewards Redemption Value
$5 reward for 500 pointsRedeem 500 points for a $5 reward.
First Purchase Discount
20% offReceive 20% off your first purchase when you open and use your new Banana Republic Visa Credit Card.
First Purchase Bonus Points
1,000 bonus points ($10 value)Receive 1,000 bonus points (worth a $10 reward) after your first purchase with your new Banana Republic Visa Credit Card.
Exclusive Cardmember Offers and Early Access
Access to exclusive cardmember offers and early access to sales events.
Status Benefits 6
Icon Status Qualification
Spend $1,000 annuallyAchieve Icon status by spending $1,000 or more in a calendar year with your Banana Republic Visa Credit Card.
Icon Status Quarterly Bonus Points
20% extra bonus points quarterlyIcon members receive 20% extra bonus points every quarter.
Icon Status Free Shipping
Free 3-5 day shippingIcon members receive free 3-5 day shipping on all online orders at Gap Inc. brands.
Icon Status Choose Your Own Sale Day
Icon members can choose their own sale day to receive a special discount.
Icon Status Birthday Gift
Icon members receive a special birthday gift.
Icon Status Dedicated Customer Service Line
Icon members have access to a dedicated customer service line.
Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Sign-Up Bonus
No Sign-Up Bonus Available
Click "Get Data" button below to fetch sign-up bonus information.
Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Balance Transfer: | Either $10 or 5% of the amount of each balance transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 29.99% - 29.99%
Balance Transfer APR: 29.99%
Cash Advance APR: 29.99%
Intro APR Offers
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility Requirements: Applicants must be 18 years or older, a U.S. resident, possess a valid Social Security Number or ITIN, and meet BreadFinance's creditworthiness criteria (typically good to excellent credit for the Visa version). Bonus Rule (Projected for 2026): New cardmembers may receive a 20% discount on their first Banana Republic purchase made within 14 days of account opening, plus 5,000 bonus points after spending $500 on eligible purchases outside of Gap Inc. brands within the first 3 months. Points are redeemable at Banana Republic, Gap, Old Navy, and Athleta. Application Rules: Standard credit application process. Approval is subject to a comprehensive credit history review by BreadFinance, considering factors such as credit score, income, and existing credit obligations.
Max Cards Per Issuer: 1
Min Spend Interval: 3 months
Cliff Effect Rules: Benefits and rewards are primarily tied to the Gap Inc. One Rewards program. Achieving higher loyalty tiers (e.g., Icon status) requires meeting annual spending thresholds within the Gap Inc. brand family. While points earned from this card contribute to the One Rewards program, specific cardholder benefits (e.g., birthday discounts, free shipping) may be contingent on maintaining active card membership and meeting specific annual spend requirements at Banana Republic or Gap Inc. stores. Having multiple Gap Inc. branded cards from BreadFinance may consolidate points but does not necessarily multiply tier benefits.
Special Events: Exclusive cardmember sales events, double or triple points days on specific categories or brands, early access to new collections, birthday rewards, and special discounts during seasonal promotions (e.g., Friends & Family events).
Holiday Promos: Black Friday, Cyber Monday, Christmas/New Year, Valentine's Day, Mother's Day, Father's Day, Back-to-School, and other major seasonal sales events throughout the year.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.4 / 5.0
Top Positive:
Excellent rewards and discounts for frequent Banana Republic shoppers, exclusive cardholder offers, relatively easy approval process for store loyalists.
Top Negative:
High APR, limited reward value outside of Banana Republic stores, customer service can be inconsistent, some users report low initial credit limits.
Approval Experience: 78.5 / 100
Recommended Alternatives
- Gap Visa Credit Card
- Old Navy Visa Credit Card
- Amazon Prime Rewards Visa Signature Card
Card Value Score: 65.0 / 100
Est. Annual Rewards: $120.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: v1.0