All info comes from Banana Republic , which is subject to change according to their updates. Terms and Conditions may apply.
I have had the card for about 3 years now. It is definitely great for perks and promotions - and the occasional $10 bonus towards your next BR purchase after a certain amount spent. I have had to become religious about signing in and paying my balance immediately because those finance charges can be hefty if you carry a balance. Worth it if you're a frequent shopper at any of the Old Navy/Gap/BR stores.
Honestly this card isn't going to win any awards. However, if you are an avid shopper at Banana Republic or any of its sister stores (Gap, Old Navy etc.) I can not stress enough that you will you money back in no time after a few shopping trips. I would make sure that you are willing to put up with the responsibilities of using the card, which means do not overspend on clothes simply because you feel the need to. Instead think of this card as a rewards card for you shopping at these stores and reap the benefits!