Banana Republic Rewards Visa® Credit Card
Basic Information
Program ID: banana-republic-credit-card
Issuer: Synchrony
Card Type: Credit
Network: Visa
Card Tier: Standard
Data Complete: Yes
Created: 01/10/2026 08:22
Last Scraped: 01/15/2026 08:42
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,924.00% - 3,024.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 3,224.00%
Sign-Up Bonus
Bonus Amount: $50.00
Spending Requirement: $200.00
Time Period: 90 days
Bonus Timing: Rewards typically post within 8-12 weeks after the spending requirement is met.
Rewards Program
Reward Type: Reward Certificates
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x at Banana Republic, Gap, Old Navy, Athleta, Hill City, and Janie and Jack. 1x on all other purchases.
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points expire 24 months after earning if not redeemed for certificates. Reward Certificates expire 90 days after issuance.
Transfer Partners: N/A
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: The Banana Republic Credit Card (issued by Synchrony) typically offers a sign-up bonus such as 20% off the first purchase made on the card within 30 days of account opening, or a statement credit after meeting a small spend threshold. Eligibility requirements include being at least 18 years old, possessing a valid U.S. Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), having a U.S. mailing address, and meeting Synchrony's credit approval criteria (which may range from fair to excellent credit depending on the specific card version). Synchrony also considers an applicant's overall credit profile and recent application history with the issuer.
Maximum Cards Per Issuer: 3
Minimum Spend Interval: 60 days
Shutdown Risk Triggers: High cumulative credit limit across all Synchrony accounts, rapid succession of credit limit increase requests, excessive product returns (especially after utilizing cardholder discounts), suspicious or fraudulent activity, failure to make timely payments, and opening multiple Synchrony accounts in a short timeframe (application velocity).
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.7 / 5.0
Top Positive Feedback:
Excellent rewards and discounts for frequent Banana Republic and Gap Inc. shoppers, exclusive member benefits and early access to sales, relatively easy application process for store card version.
Top Negative Feedback:
High Annual Percentage Rate (APR), rewards are primarily store credit, customer service can be inconsistent, lower reward rate for general spending outside Gap Inc. brands.
Approval Experience Score: 80.0 / 100
Recommended Alternatives
- Gap Rewards Credit Card
- Old Navy Rewards Credit Card
- Amazon Prime Rewards Visa Signature Card
Card Value Score: 75.0 / 100
Est. Annual Rewards: $135.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 40% Store / 60% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0