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Banana Republic Visa Card

in Personal Credit Cards

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Banana Republic Visa Card

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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 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 of 26.49%. It also has a variable cash advance APR of 28.49%

Is an introductory APR offer available?

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

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, and 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 the major three 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

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

Other Services by Synchrony Bank

Availability

Available in 50 States and Washington, DC
  • 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 / Deferred Interest (Months)
23
Annual Fee
$0
No Annual Fee
Late Payment Penalty
$38
Minimum Interest Charge
$2
Foreign Currency Transaction Fee
3%
Supported Income Types
  • 1099 Misc. Income
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Retired
  • Self-Employed
  • Unemployed
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Minimum Age
18
Credit Score Range
500 - 850
850 300 500
Customer Type
Personal
Card Type
  • Bonus Offers
  • Cash Back
  • Store Card
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Card Network
  • Visa
Credit Card Benefits
  • Fraud Liability
  • ID Theft Protection
Bonus Rewards
5%
Rewards Categories
  • Every Purchase
  • Retail
All Other Purchases
1%
Every Purchase
1%
Signup Bonus (points)
3,000
Cash Advance APR
(Variable APR)
Starting at
28.49%
Purchases APR
(Variable APR)
Starting at
26.49%
Balance Computation
daily balance

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