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 starting at 26.49%.

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

Is an introductory APR offer available?

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

Banana Republic Visa Card does not offer an introductory rate on new purchases.

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, or 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 major 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
• 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.