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Banana Republic credit cards is a good choice for customers who always shop at this store - it offers 5% cash back on in-store purchases. If you often shop at different stores you may choose from other credit card with cash back rewards. For example, the Discover it® Cash Back credit card offers Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate.. You will need to activate 5% cashback bonus to be able to earn it. When you reach the cap, you will continue earning 1% cash back on all purchases. Also Discover will match ALL the cash back earned for the first year (provided you are a new cardmember). You can redeem rewards any amount, anytime.