Banana Republic Credit Card Review

Banana Republic Credit Card Review

If you are somebody who loves to shop from the Banana Republic in bulks and are a rather frequent visitor, then this card would appeal a lot to you. This co-branded credit card is issued by Synchrony Bank and comes with zero annual fees. Though it does not offer any traditional cash backs like other credit cards in the market, you can get access to the exclusive sales, special events, free shipping on the qualifying orders and assured birthday gifts as the holder of this retail credit card.

Terms and Fees of Banana Republic Credit Card

  • Annual Fee: $0
  • APR: 26.99% Variable
  • Sign-Up Bonus: $40 off on first purchase of $250 or more
  • Late Payment: Up to $38
  • Returned Payments: None
  • Cash Advance APR: 28.99% Variable
  • Cash Advance Fee: 4% or $10, whichever is maximum
  • Foreign Transaction Fee: 3%

Quick Facts of Banana Republic Credit Card

  • There are two types of cards available – Banana Republic Visa Card and Banana Republic Store Card
  • You cannot pick a card of your choice. Rather, you get approved for either of the two depending on your credit score
  • If you have a good score, you will get the Visa Card, and if you have a fair credit score then you will be eligible for the Store Card
  • You can use both the cards and earn rewards at all the associated stores of Banana Republic, that includes Gap, Navy, and Athleta
  • You will get 5 points for every dollar you will spend, which is equivalent to the 5% cash back
  • Since both the cards have a high APR rate, it is not recommended to carry the balance one month to another

Earning the Rewards of Banana Republic

  • You can use both Banana Republic Visa Card and Banana Republic Store Card at the associated sister brands of the store, which includes Gap, Navy, and Athleta.
  • Both the cards offer you the opportunity to earn 5 points for every dollar you spend at any of the mentioned stores
  • The only bonus benefit you get with Visa Card is that you can use it anywhere a Visa Card is accepted
  • You will earn 1 point for every dollar that you will spend elsewhere using the Banana Republic Visa Card

Redeeming the Rewards of Banana Republic

  • Each point that you will earn is worth 1 cent, but you can only redeem them as in-store currency and not for cash
  • Rewards are issued only in the increments of $5, and any points that you collect which are not enough to carry you to the next $5 level requirement are carried forward in the next billing cycle
  • You should earn a minimum of 500 points, that is, $50 worth of rewards before you can redeem them
  • Also, you can redeem only up to $250 of your total rewards per billing cycle
  • Though any of your unused rewards are carried forward to the next month, they expire after two years from the date of your most recent purchase

Benefits of Banana Republic Credit Card to the Card Holders

The Banana Republic Visa Cardholders get the following benefits for owning this retail store credit card:

  • For the first purchase made within the first 90 days at, you will get flat 20% discount on the total amount of your bill
  • 3,000 bonus points for making a qualifying purchase outside the Gap Inc. brand stores within the first 30 days
  • There is a signature and chip on the card to prevent any fraud, and in case it still occurs, the cardholder won’t be held liable

Both the Visa and Store Card holders enjoy equal Gap Inc. brand stores related benefits, which include:

  • Invitation to special events
  • Access to occasional “Double Points Shopping Days.”
  • Exclusive member only discounts and offers
  • A surprise birthday gift (if you have made at least one qualifying purchase at any of the associated Gap Inc stores in the past 12 months using your Banana Republic Credit Card and your account is in good standing)
  • Free shipping on all the orders of $50 or above
  • No receipt required for returns
  • You can manage your rewards online and can redeem them at both in-store and while shopping online


Though this is not an ideal card if you are looking for something that would get you to benefit on multiple purchases, you can benefit from it if you go bonkers on the Gap Inc stores and a loyal customer at Banana Republic.

Banana Republic Credit Card Login

Synchrony Bank issues and manages the Banana Republic credit card accounts.
Owners of the Banana Republic credit card can log into the customer portal via Banana Republic website and, once there, can update any personal information that has recently changed, manage their card, check balances, pay bills, and review the cardmember agreement.
Since the card is managed by Synchrony bank, the website can be accessed using the secured Synchrony Bank portal