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Banana Republic Visa Card

in Personal Credit Cards

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Banana Republic Visa Card

Unaffiliated

in Personal Credit Cards

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Overview

Who is this credit card designed for?

Banana Republic Visa Card is a store credit card issued by Synchrony Bank, which is based in Groveport, OH. 

Banana Republic Visa Card is designed for people with a credit score of 500 to 850. It's perfect for consumers looking for a card without an annual fee. It is also designed for people who want a cashback rewards program. This card allows you to earn cash on the purchases you make.

What are the relevant APRs?

Banana Republic Visa Card has a variable purchase APR starting at 26.49%.

It also has a variable cash advance APR starting at 28.49%.

Is an introductory APR offer available?

No, Banana Republic Visa Card does not come with an introductory APR offer for balance transfers.

Banana Republic Visa Card does not offer an introductory rate on new purchases.

What are the fees?

The following fees apply to Banana Republic Visa Card:

  • There is no annual fee.
  • A late payment penalty of $38.
  • A foreign transaction fee of 3%. Transactions in a foreign currency get hit with a 3% fee. For example, if you buy a $1,000 flight in euros, you will pay a foreign transaction fee of $30.

Is a rewards program offered?

The rewards program allows you to earn cash with every purchase you make. This card features rewards for purchases in the following categories:

  • Every Purchase
  • Retail

Is a signup bonus offered?

Banana Republic Visa Card doesn't offer a cash signup bonus. However, it does include a 3000 points signup bonus that can be redeemed for travel, gifts, or other perks.

Is an annual loyalty bonus offered?

Banana Republic Visa Card doesn't offer a cash loyalty bonus.

What additional benefits are offered?

 Banana Republic Visa Card provides the following benefits:

  • Fraud Liability
  • Reports to major credit bureaus
  • Does Banana Republic Visa Card report your account activity to credit bureaus?

    Banana Republic Visa Card reports your account activity to the following credit reporting agencies:

    • Equifax
    • Experian
    • Transunion
    • Innovis

    Making regular and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.

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    Contact

    • Headquarters
    •   6007 Green Pointe Drive
      Groveport, OH 43125 USA
    •   Visit Site

    Availability

    Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
      Available in 50 states and Washington, D.C.
    • Alabama
    • Alaska
    • Arizona
    • Arkansas
    • California
    • Colorado
    • Connecticut
    • Delaware
    • Washington, DC
    • Florida
    • Georgia
    • Hawaii
    • Idaho
    • Illinois
    • Indiana
    • Iowa
    • Kansas
    • Kentucky
    • Louisiana
    • Maine
    • Maryland
    • Massachusetts
    • Michigan
    • Minnesota
    • Mississippi
    • Missouri
    • Montana
    • Nebraska
    • Nevada
    • New Hampshire
    • New Jersey
    • New Mexico
    • New York
    • North Carolina
    • North Dakota
    • Ohio
    • Oklahoma
    • Oregon
    • Pennsylvania
    • Rhode Island
    • South Carolina
    • South Dakota
    • Tennessee
    • Texas
    • Utah
    • Vermont
    • Virginia
    • Washington
    • West Virginia
    • Wisconsin
    • Wyoming

    Feature Breakdown

    Grace Period for Late Payment (Days) 23
    Annual Fee $0
    No Annual Fee  
    Late Payment Penalty $38
    Minimum Interest Charge $2
    Foreign Currency Transaction Fee 3%
    Minimum Age 18
    Credit Score Range 500 - 850
    850 300 500
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Retired
    • Self-Employed
    • Unemployed
    Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
    Supported Income Types
    • 1099 Misc. Income
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
    Customer Type Personal
    Credit Card Benefits
    • Fraud Liability
    • Identity Theft Protection
    Bonus Rewards 5%
    All Other Purchases 1%
    Every Purchase 1%
    Rewards Categories
    • Every Purchase
    • Retail
    Signup Bonus (points) 3,000
    Purchase APR (Variable APR) Starting at 26.49%
    Cash Advance APR (Variable APR) Starting at 28.49%
    Balance Computation daily balance

    Reviews

     
     

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