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  Banana Republic Visa Card

Banana Republic Visa Card

in Personal Credit Cards from Synchrony Bank

Unaffiliated

Banana Republic Visa Card

Unaffiliated

in Personal Credit Cards from Synchrony Bank

SuperMoney Net Recommendation Score +100% 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.

Strongly recommended

1 user recommends
0 users are unsure
0 users don't recommend
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Highlights
Highlights
Community Rating Strongly recommended
Annual Fee $0
Purchase APR (Variable APR) Up to 28.24%
Balance Transfer APR (Variable APR) N/A
Credit Score Range 500 - 850

Banana Republic Visa Card Review

Banana Republic Visa Card is a store cashback credit card issued by Synchrony Bank. 

Good for building credit. This card is designed to help you build your credit. So you may qualify even if you have limited or poor credit. The minimum credit score to apply is 500.

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.

Is there a Banana Republic Visa Card cash back or rewards program?

Banana Republic Visa Card is a cashback card. This means you earn a percentage of your purchase as a cash reward. With Banana Republic Visa Card you receive 1% cash back on every purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash. However, you can earn up to 5% for purchases in a bonus category.

Banana Republic Visa Card Rewards
Rewards rate (all purchases) 1%
Max rewards rate 5%
Annual rewards limit N/A
Signup Bonus ($) N/A
Signup Bonus (Points/Miles) 3000

What are the Banana Republic Visa Card benefits?

Banana Republic Visa Card provides the following benefits:

  • Fraud Liability
  • ID Theft Protection
  • Reports to major credit bureaus

What are the relevant APRs for Banana Republic Visa Card?

Banana Republic Visa Card has a variable purchase APR of up to 28.24%.

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

Does Banana Republic Visa Card have an introductory APR offer?

Banana Republic Visa Card does not offer an introductory rate on new purchases.
Banana Republic Visa Card Rates & Terms
Cash Advance APR Starting at 28.49%

What are the Banana Republic Visa Card fees?

No Annual Fee. Banana Republic Visa Card does not charge an annual fee.

3% Foreign transaction fees. Banana Republic Visa 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 a foreign transaction fee.

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 $38

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.

How to apply for Banana Republic Visa Card

  • Visit the Synchrony Bank website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
  • 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.
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...

Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  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

Grace Period for Late Payment (Days) 23
Annual Fee $0
No Annual Fee  
Minimum Interest Charge $2
Late Fee Amount $38
Foreign Currency Transaction Fee 3%
Minimum Age 18
Credit Score Range 500 - 850
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Retired
  • Self-Employed
  • Unemployed
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Supported Income Types
  • 1099 Misc. Income
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Customer Type Personal
Credit Card Benefits
  • Fraud Liability
  • Identity Theft Protection
Bonus Rewards 5%
All Other Purchases 1%
Every Purchase 1%
Rewards Categories
  • Every Purchase
  • Retail
Signup Bonus (points) 3,000
Purchase APR (Variable APR) Up to 28.24%
Cash Advance APR (Variable APR) Starting at 28.49%
Balance Computation daily balance

Banana Republic Visa Card Community Reviews

 
 

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