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

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% .

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 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.