Advertising Disclosure

Banana Republic Credit Card Review

Banana Republic Visa® Card
Card Category: Consumer
Card Type: Unsecured
Credit Needed: Excellent / Good Credit
Card Rating:
Banana Republic is an American clothing and accessories retailer that was founded in 1978. It is a division of a multinational corporation, Gap Inc. that also includes divisions like GAP, Old Navy, and Athleta.

Banana Republic offers two types of credit cards to its customers: Banana Republic Card and Banana Republic Visa card. Both cards will allow cardholders to earn points on purchases at Banana Republic and Banana Republic Factory Store. Those who shop at Banana Republic outlets often (in-store or online) may want to have a closer look at Banana Republic Card.

Banana Republic Credit Card Details


  • Earn 5 points for every $1 spent at Old Navy, Gap, Banana Republic, Piperlime and Athleta.9
  • Earn 1 Reward point for every $1 spent everywhere Visa® credit cards are accepted, even at the places you shop every day. 500 points = $59
  • Receive $10 Reward Card for every 200 points at Gap Inc. stores or sites.9
  • When approved for the BananaCard online, new customers will receive 15% off their first BananaCard purchase at
  • Earn up to 2,000 bonus rewards points.9
  • Earn 500 bonus reward points if you sign up for paperless statements.9
  • Advance notice of new trends and sale events, special birthday offers, exclusive offers and promotions, deals every Tuesday: 10% off at Gap, Old Navy and Piperlime.9


Max. Rewards: 5 Points for every $1 spent9
Sign-up Bonus: Earn 500 bonus reward points if you sign up for paperless statements.9


Purchase Intro APR: No intro APR9
Purchase Regular APR: 28.24%9
Cash Advance Fee: See terms
Cash Advance Regular APR: 29.24%9
Balance Transfer Intro APR: n/a9
Balance Transfer Regular APR: n/a9
Balance Transfer Fee: See terms
Annual Fee: See terms9

Banana Republic Credit Card Benefits

Banana Republic Card gives access to exclusive offers and benefits. Thus when you apply and get approved for the Banana card, you can get a 15% discount on your first purchase. After that your rewards will be 5 points per dollar spent at Banana Republic stores and 1 point per dollar everywhere else if you have a Banana Republic Visa credit card. Also, all year long, cardmembers get exclusive offers and discounts, birthday gifts, and get free standard shipping on online orders over $50.

Banana Republic Credit Card Drawbacks

The main disadvantage of Banana Republic cards is that you cannot choose which card to apply. The issuer may approve you for either Banana Republic Visa card or for Banana Republic Card. Another thing you may not like is a high 25.24% APR on purchases that will vary with the market based on the Prime Rate. And being late with a Banana Republic credit card payment will cost you up to $37.

Contact Information

Questions about your Banana Republic Credit Card

BR Card: 866-450-2330
BR Luxe Card: 866-450-2335

Write a letter

Gap Inc./Synchrony Bank
PO Box 965004
Orlando, FL 32896-5004

Latest Credit Card Reviews

User Comments about Banana Republic Visa® Card

* - marked fields are required to be filled in
Card cancellation unfair!
I had banana republic credit card for more than two years last year i had some financial issues so could not shop there. Then everything went back OK I found my card deactivated for no reason. In the letter they said they cancelled my card cause i have bad credit compared to other customers but my credit score is actually quite alright, nearly 700. I think they just made up the reason because of account inactivity. Now i have to re apply.
my card!!)
Great card for me and those who shop at br a lot. I shop mostly online and its super good that they send me offers at my email. i just cant stop and buy something eventually. i like all the extra bonuses i get with the card it seems it never lets me forget about shopping at br :-))) i just receive online notices about it
high fees but good rewards
I WAS extremely pleased with thr rewards that card had but then i accidentally spent more than i could afford to pay out and had this HIGH fee and apr!! use responsively or do not apply at all... such fees will live you without any rewards (
NO customer service
Charged me payment i did not make and it took me 3 months to dispute it and discharge from my account
Rewards card
I like their rewards and earn them quite fast because its VISA and can be used anywhere