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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, 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.