heres the deal on the card, you fill out like 3 lines on the application and it should only take less than a min to do a credit check, they do that by scanning a credit card or debit card you have.
what do you get with the card? they send you coupons and give you like $15 off when its your birthday, i think its $15, and you can use the card at all three gap owned stores: old navy, gap, and br
why apply for a br card instead of an old navy or gap card? cause if you spend more than $800 a year at br, they upgrade you to luxe member
what is luxe member? luxe basically gets you free shipping anytime on the bananarepublic.com and you get free alterations on full priced or sale items, usually you can only get alterations on full priced items
oh yeah they also give you like 3 coupons for 10% off at gap, old navy, and br after you sign up