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  Banana Republic Visa Card

Banana Republic Visa Card

in Personal Credit Cards from Synchrony Bank

Unaffiliated

Banana Republic Visa Card

Unaffiliated

in Personal Credit Cards from Synchrony Bank

Net Recommendation Score +33%

SUPERMONEY NET RECOMMENDATION SCORE

+33%

-100% 0% +100%
No one recommends Everyone recommends

Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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2 users recommend
0 users are unsure
1 user doesn't recommend
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Highlights
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Community Rating

Rating not yet determined

In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
Purchase APR  (Variable APR) 27.49%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 500 - 850
Annual Fee $0

Banana Republic Visa Card Review

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

Key takeaways:

  • Generous reward rate. You will get a a rewards rate of 5 points per dollar spent.
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 27.49%
  • No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
  • Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still qualify.

Banana Republic Visa Card Pros and Cons:

The Good The Bad
  • No annual fee.
  • Considers applicants with fair or poor credit.
  • Cardholders can earn rewards on every purchase.
  • Earn rewards on every purchase.
  • Banana Republic Visa Card reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • Higher than average purchase APRs.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 3%.
  • Does not include many credit card rewards.

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

Banana Republic Visa Card offers a rewards program to its customers.

Banana Republic Visa Card Rewards
Rewards rate (all purchases) 1%
Max rewards rate 5%
Annual rewards limit N/A
Signup Bonus ($) N/A

Does Banana Republic Visa Card have a signup bonus?

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

Does Banana Republic Visa Card offer an annual loyalty bonus?

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

What are the Banana Republic Visa Card benefits?

Banana Republic Visa Card provides the following benefits:

  • Zero fraud liability
  • ID Theft Protection
  • Reports to major credit bureaus

What are the relevant APRs for Banana Republic Visa Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Banana Republic Visa Card has higher than average purchase APRs.

Banana Republic Visa Card has a variable purchase APR of 27.49%. It also has a variable cash advance APR of 28.49% .

Does Banana Republic Visa Card have an introductory APR offer on balance transfers?

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

Does Banana Republic Visa Card have an introductory APR offer on new purchases?

Banana Republic Visa Card does not offer an introductory rate on new purchases.
Banana Republic Visa Card Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for Banana Republic Visa Card?

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 $39

Does Banana Republic Visa Card have a foreign transaction fee?

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.

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

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit.

How to apply for Banana Republic Visa Card

  • Visit the Banana Republic Visa Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • 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.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Availability

  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

Eligible In-Store Purchases (Points) 5
Every Purchase (Points) 1x
No Annual Fee  
Annual Fee $0
No Interest Grace Period for Late Payment 23 days
Cash Advance Fee (%) Starting at 4%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $2
Late Fee Amount $39
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 500 - 850
Card Type
  • Rewards
  • Store Card
Card Network Visa
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Fraud Liability  
Credit Card Benefits
  • Fraud Liability
  • Identity Theft Protection
Bonus Rewards 5%
Rewards Categories
  • Every Purchase
  • Retail
Rewards Type Points
Cash Advance APR (Variable APR) 28.49%
Balance Computation daily balance
Purchase APR (Variable APR) 27.49%

Banana Republic Visa Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

+33%

-100% 0% +100%
No one recommends Everyone recommends

Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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