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  Banana Republic Visa Card

Banana Republic Visa Card

in Personal Credit Cards from Synchrony Bank

Claimed

Banana Republic Visa Card

Claimed

in Personal Credit Cards from Synchrony Bank

SuperMoney Net Recommendation Score +20

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly recommended by SuperMoney users with a score of +20, equating to 3.4 on a 5 point rating scale.

+20

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.

Mostly recommended

3 users recommend
0 users are unsure
2 users don't recommend
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Highlights
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 5

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.

Key Takeaways
  • 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 oods if your credit score is above650.
Pros & Cons of Banana Republic credit card
The Good The Bad
  • No annual fee.
  • Identity Theft Protection.
  • Cardholders can earn rewards on their purchases.
  • Banana Republic Visa Card reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 3%.
  • Does not include many credit card benefits.
Banana Republic credit card FAQ

Does Banana Republic credit card have a cash back or rewards program?

Banana Republic credit card is a rewards card.

Banana Republic credit card Rewards
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. It has higher than average regular APRs.

It 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:

Banana Republic credit card Fees
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 customer service phone number for Banana Republic credit card?

The Banana Republic credit card customer service number is (866) 226-5638.

What is the support contact email for Banana Republic credit card?

The support contact email for Banana Republic credit card is customer.service@mail.synchronybank.com.

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.

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...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From Our Editor

What we love about Banana Republic Credit Card

The Banana Republic credit card, like many store cards, is easier to get than many other cards. If you have less than perfect credit, you may be able to qualify for this card and use it to start building a credit history.

The card comes with exclusive perks for people who shop at Banana Republic, including a discount on your first purchase and rewards points every time you shop. One unique benefit is that you can use the card at any store under the Gap Inc. umbrella, including Gap, Old Navy, and Athleta, making it more flexible than many other store cards.

By meeting a spending requirement, you can qualify for Luxe status, which gives you bonus rewards, an exclusive customer service line, and unlimited, free alterations to Banana Republic merchandise.

What could Banana Republic Credit Card do better?

Like most store credit cards, you can only use the Banana Republic store card at Banana Republic and other Gap Inc. stores. If you qualify for the Banana Republic Visa, you can use the card elsewhere but the rewards are not as good for non-Banana Republic purchases.

The card also has a high interest rate and you can only use the card’s rewards at Banana Republic, making the rewards inflexible.

Banana Republic Credit Card’s backstory

Banana Republic is an American clothing company that was founded in 1978. It was purchased by Gap in 1983 and has built a reputation for offering upscale fashions at a reasonable price.

The Verdict

If you shop at Banana Republic frequently, this card does offer some valuable perks. However, you need to shop at the store a lot to make it worth it, so most people will be better off with a less restrictive credit card.

Contact

Hours of Operation

  • Sunday 8:00am - 12:00am
  • Monday 8:00am - 12:00am
  • Tuesday 8:00am - 12:00am
  • Wednesday 8:00am - 12:00am
  • Thursday 8:00am - 12:00am
  • Friday 8:00am - 12:00am
  • Saturday 8:00am - 12:00am

Other Services by Synchrony Bank

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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
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
  • Identity Theft Protection
Cash Advance APR (Variable APR) 28.49%
Balance Computation daily balance
Purchase APR (Variable APR) 27.49%
Card Type
  • Rewards
  • Store Card
Card Network Visa

Banana Republic Visa Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly recommended by SuperMoney users with a score of +20, equating to 3.4 on a 5 point rating scale.

+20

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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