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13 cards ranked

Best credit card to use at Banana Republic Factory.

Online ShoppingSelect Clothing

Banana Republic Factory is the outlet arm of Banana Republic, selling discounted apparel and accessories both through standalone outlet stores and its own website, with a mix of mainline overstock and outlet-specific designs. It operates as part of Gap Inc. alongside Old Navy, Athleta, and the mainline Banana Republic brand. There's no Banana Republic Factory co-brand credit card, since the Gap Inc. family's co-brand cards are tied to the Gap Good Rewards program rather than the outlet banner specifically, so a select clothing or general online shopping rewards card is the better default for purchases here.

Picks without a tag earn at Banana Republic Factory both in-store and online. Watch for theOnline onlytag — those bonuses only apply on bananarepublicfactory.gapfactory.com.

  1. #1
    US Bank Cash+ Visa Signatureif you select it
    U.S. Bank
    5% on select clothing if you select it as a bonus category (up to $2,000/quarter, then 1%)
    Choose 2 categories each quarter, up to $2,000 combined
    5%
  2. #2
    Blue Cash EverydayOnline only
    American Express
    3% on online shopping (up to $6,000/year, then 1%)
    U.S. online retail purchases
    3%
  3. #3
    Robinhood Gold
    Robinhood
    3% flat-rate cashback
    3%
  4. #4
    Blue Business Cash from American Express
    American Express
    2% flat-rate cashback
    2%
  5. #5
    Citi Double Cash
    Citi
    2% flat-rate cashback
    1% when you buy, 1% when you pay
    2%
  6. #6
    Coinbase One
    First Electronic Bank
    2% flat-rate cashback
    Up to 4% with higher crypto balances on Coinbase; requires Coinbase One membership
    2%
  7. #7
    Fidelity Rewards Visa Signature
    Elan Financial Services
    2% flat-rate cashback
    When deposited into an eligible Fidelity account
    2%
  8. #8
    Graphite Business Cash Unlimited
    American Express
    2% flat-rate cashback
    Unlimited 2% cash back on eligible purchases
    2%
  9. #9
    Navy Federal cashRewards Plus
    Navy Federal
    2% flat-rate cashback
    Issued on the cashRewards application when approved for a credit limit of $5,000 or more; lower limits receive cashRewards at 1.5%
    2%
  10. #10
    PNC Cash Unlimited
    PNC
    2% flat-rate cashback
    2%
  11. #11
    Smartly Visa Signature
    U.S. Bank
    2% flat-rate cashback
    2%
  12. #12
    Wells Fargo Active Cash
    Wells Fargo
    2% flat-rate cashback
    2%
  13. #13
    Wells Fargo Signify Business Cash
    Wells Fargo
    2% flat-rate cashback
    2%

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Last updated July 9, 2026

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