Banana Republic Visa Card Review

Banana Republic Visa Card is a store cashback credit card issued by Synchrony Bank. 

Good for building credit. This card is designed to help you build your credit. So you may qualify even if you have limited or poor credit. The minimum credit score to apply is 500.

If you're wondering whether Banana Republic Visa Card is the right card for you, read on. This is everything you need to know to make a good choice.

Is there a Banana Republic Visa Card cash back or rewards program?

Banana Republic Visa Card is a cashback card. This means you earn a percentage of your purchase as a cash reward. With Banana Republic Visa Card you receive 1% cash back on every purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash. However, you can earn up to 5% for purchases in a bonus category.

This card features rewards for purchases in the following categories:

• Every Purchase
• Retail

Banana Republic Visa Card Rewards

Rewards rate (all purchases)	1%
Max rewards rate	5%
Annual rewards limit	N/A
Signup Bonus ($)	N/A
Signup Bonus (Points/Miles)	3000

What are the Banana Republic Visa Card benefits?

Banana Republic Visa Card provides the following benefits:

• Fraud Liability
• ID Theft Protection
• Reports to major credit bureaus

What are the relevant APRs for Banana Republic Visa Card?

Banana Republic Visa Card has a variable purchase APR of up to 28.24%.

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

What are the Banana Republic Visa Card fees?

No Annual Fee. Banana Republic Visa Card does not charge an annual fee.

3% Foreign transaction fees. Banana Republic Visa Card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.

The following fees apply to Banana Republic Visa Card:

Banana Republic Visa Card Fees

Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	3%
Late Payment Fee	$38

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.

How to apply for Banana Republic Visa Card

• Visit the Synchrony Bank website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
• Check the information is accurate and submit your application.
• If you're denied click here to find out why your application may have been rejected and what you can do about it.