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| Community Rating | Mostly recommended |
| Purchase APR (Variable APR) | 27.49% |
| Balance Transfer APR (Variable APR) | N/A |
| Credit Score Range | 650 - 850 |
| Annual Fee | $0 |
| Number of Reviews | 7 |
Banana Republic Visa Card Review
This is a store rewards credit card issued by Synchrony Bank. If you're wondering whether Banana Republic credit card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.
- Generous reward rate. You will get a rewards rate of up to 5 reward 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.
- Fair or better credit required. You will have good approval odds if your credit score is above 650.
| The Good | The Bad |
|---|---|
|
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Does Banana Republic credit card have a cash back or rewards program?
Banana Republic credit card is a rewards card.
| Minimum rewards rate | 1x |
| Max rewards rate | 5x |
| Annual rewards limit | N/A |
Does Banana Republic credit card have a signup bonus?
This card doesn't offer a cash signup bonus.Does Banana Republic credit card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Banana Republic credit card benefits?
It provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Banana Republic credit card?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular 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 credit card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Banana Republic credit card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Banana Republic credit card?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% |
| Late Payment Fee | $39 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does Banana Republic credit card have a foreign transaction fee?
Banana Republic credit 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 foreign transaction fees.What is the support contact email for Banana Republic credit card?
The support contact email for Banana Republic credit card is [email protected].
How do people rate the customer service and user experience of Banana Republic credit card?
Overall, Banana Republic credit card is mostly recommended based on community reviews that rate customer service and user experience.
Does Banana Republic Visa Card report your account activity to credit bureaus?
Yes, 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 may help improve your credit.
How to apply for Banana Republic credit card
- Visit the Banana Republic credit 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 your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Message From Our Editor
Contact
- Headquarters
-
200 Crossing Blvd Suite 101
Bridgewater, NJ 08807 - Visit Site
- Email Support
Other Services by Synchrony Bank
Availability
- 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
| 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 |
Banana Republic Visa Card Community Reviews
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