Posted by Chuck on September 18, 2018

Published on September 18th, 2018 | by Chuck


Gap/Banana Visa Card: Get Free Costco Membership ($60 credit) + 5x Points

Reposting as it now specifically calls out all versions of this card. Keep in mind it still says ‘exclusive offer’ but I think this is probably publicly available if you have a qualifying card. Hat tip to reader Ben. Reps are also saying it’s open to everybody.

The Offer

Direct Link to offer

  • If you’re not yet a Costco member, use your Athleta Visa Credit Card, Banana Republic Visa Credit Card, Gap Visa Credit Card, Old Navy Visa Credit Card or Gap Inc. Visa Signature Credit Card credit card to purchase a Costco Membership Activation Certificate to join Costco as a new member and receive a $60 statement credit to reimburse your first year’s the Gold Star membership fee.

This offer has a public link and is being sent out via email as well. Also mentioned in the email:

  • Get 5x points per dollar at Costco when paying with your Gap/Banana Visa card from 10/1/18 – 12/31/18 (starts in October).

The Fine Print

  • Please note your card statement for this purchase will show DCG One for Costco as the merchant of record.
  • Valid 9/15/18-10/15/18.
  • Offer is for a $60 statement credit toward new “Gold Star” or “Costco Executive” Costco membership fees only.
  • Limit one credit per household.
  • Applicable sales taxes and upgrade fees and/or additional membership costs are not included.
  • To qualify as a new member, an existing Costco membership must be expired for 18 months or more.
  • Offer not valid to renew or upgrade an existing Costco membership.
  • Not valid for Business Membership.
  • New Costco members must be 18 years or older.
  • To qualify for this offer, you must purchase the Costco Gold Star Membership Activation Certificate using your Gap Inc. Visa Card at the link in this email (
  • Please allow up to eight weeks after the offer end date for the $60 statement credit to post to your account; account must be in good standing and not become delinquent.
  • This offer is valid for membership at any Costco location in the U.S. (including Puerto Rico).
  • Qualifying members will be issued a Costco Membership Activation Certificate, which must be presented at Costco with valid government I.D.
  • Member solely responsible for any tax liability.
  • Costco Membership Activation Certificates are not replaceable if lost, stolen, or destroyed. Costco may refuse to honor any Membership Activation Certificate it believes was obtained by fraud or theft.
  • Synchrony Bank is not responsible for this offer, and the offer is provided solely as a service to Gap Inc. Visa Cardholders.

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I can not buy frozen foods in my costco, as I always have to wait a minimum of 25 minutes on line. They need to find a way like amazon stores to reduce or eliminate the wait times.

I bring ice box to costco.

all depends on the hours that you go. if you go saturday/sunday afternoon, the line can be quite long. 8/9am, you can go through check out in under 5 mins.

It helps if the location has self check-out as well.

only costco location i’ve seen self-checkout machines is in Charleston. i was very surprised.

Never waited more than 10 mins in line

For me the website is listed as nonsecure and even then I tried to purchase by clicking the purchase button and no go. I wonder if I’m doing anything wrong.

I’m having the same issue

Try typing https:// at the beginning of the of the URL and then fill out the form again

is there any way to get the gap/banana credit card without a hard pull?

Short answer, no.

Is a hard pull worth a $60 Costco membership?


They do have other frequent offers that make it worth it, not worth it just for this membership though

I have the Banana Republic card but I don’t see it mentioned anywhere on the offer page. Seems like GAP credit card only. Or am I being blind?

I believe it’s referring to the Gap Inc. Visa Signature Card, which is the top tier (signature) card for the gap group.

You can’t apply for it, but you get converted at the issuer’s discretion. I don’t think anybody deciphers how that is triggered.

See my Gap Inc. Visa Signature and offer attached, my Banana Visa was converted to Signature Visa few months ago.


So I guess my regular Gap Visa Card (which is silver and says “silver” in the lower left hand corner) will not work for this offer, correct?

Never mind. Just saw reports further down of people getting the offer on the regular GAP family cards (mostly BR though).

anyway to take advantage of this as an existing member? like redeem the activation certificate for cash, or somehow use it for renewal?

Can I buy a membership certificate as a gift for myself and activate months later?
Is there a time limit for redeeming the certificate? I remember there used to be something like must redeem certificate within 90 days after purchase. Just checked details for this promo but didn’t find such restrictions.

“Offer not valid for renewal of an existing or expired Costco membership. ” — Not sure if enforced and I don’t know how long an expired membership stays in the system. But I guess you can create a new one for somebody else in your family.

So are the Gap and the Banana Republic Visa cards one and the same? Because I can’t see anywhere in the terms about BR working for this deal.

it worked with my Banana Card. You have to put “https://” in front of the link and it works!!

Can you elaborate? Do you see a statement credit already after purchasing the membership with your BR card?

This card is one damn-killer-outstanding-constant-bonus-offering-no-annual-fee-hell of a card.

Wondering if Old Navy Visa will work? Customer service is not answering to confirm/deny

I am already a Costco member and my spouse is added to my membership. Does anyone know if I can purchase a new membership certificate for my spouse?

chatted with CC, only select users who got the email will get the credit.

This appears to be targeted. My link mentions “Exclusive Offer for select Gap Inc. Visa members.”

I have BR and my wife GAP, she was the only one who got the email and I did not, so I presume it would not work for the Banana Republic card.

I don’t have access to the email address on file with my banana card. Is there any way to know if I was targeted?

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