$10 REWARD CARDS With every card purchase at Banana Republic, Gap and Old Navy, earn points toward $10 reward cards -redeemable at all three stores. Get 1 point for every dollar spent on the card. 200 points = $10 reward card.2 이게 무슨말인지 모르겠네요... 아래꺼도 대략 어떤말인지좀 알려주세요.. 이카드를 만드는데 돈을 내야한다는건지... 어떤식으로 발급을 받을수있는지점 알려주세요 ㅠㅠ https://secure.www.bananarepublic.com/profile/PLCC.do?urlType=apply 이건링크입니다; ANNUAL PERCENTAGE RATE  19.80% (Variable) VARIABLE RATE INFORMATION Your Annual Percentage Rate may vary. The APR in effect in any billing period will be equal to the total of (i) the highest bank prime loan rate as published in The Wall Street Journal in its Money Rates section on the last business day of the calendar month preceding the first day of such billing period and (ii) 15.8%, but in no event more than 19.80%.   GRACE PERIOD FOR REPAYMENT OF THE BALANCE FOR PURCHASES  26 days if previous balance is $0, or balance is paid in full. Otherwise, none.   METHOD OF COMPUTING THE BALANCE FOR PURCHASES  Average Daily Balance (Including New Purchases)   MINIMUM FINANCE CHARGE  $1.00 ($0 in PR)