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Yes, Banana Republic credit card rewards or expire. You will lose all the rewards after 24 months if you do not redeem them. If you need a credit card with rewards and do not want them to expire, consider applying to the general rewards credit card. If you want a credit card with rewards that do not expire consider applying to the Discover it® Cash Back. Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. All other purchases will earn unlimited 1% cash back. There is no sign-up bonus but all rewards you earn the first year will be matched at the end of your first year (provided you are a new cardmember).