12
Benefits3
Reward Categories5x
Max Reward30%
APR FromBasic Information
PENDINGRewards Program (Detailed) 3 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Gap Inc. Purchases (Visa Card & Icon Status) | 5x | Points | Earned on purchases at Banana Republic, Gap, Old Navy, Athleta, and Hill City stores and online, for Banana Republic Rewards Visa Card members or any Banana Republic Rewards Credit Card member who has achieved Icon status. | No Cap | |
| Gap Inc. Purchases (Store Card Base) | 2x | Points | Earned on purchases at Banana Republic, Gap, Old Navy, Athleta, and Hill City stores and online, specifically for Banana Republic Rewards Credit Card (Store Card) members who have not achieved Icon status. | No Cap | |
| All Other Purchases (Visa Card & Icon Status) | 1x | Points | Earned on purchases made everywhere else Visa is accepted, for Banana Republic Rewards Visa Card members or any Banana Republic Rewards Credit Card member who has achieved Icon status. | No Cap |
Rewards Summary
PENDINGReward Type: Points
Base Rate: 1x
Bonus Rate: 5x
Categories: Banana Republic, Gap, Old Navy, Athleta
Quarterly Rotating: No
Expiration Policy: Points expire 24 months after they are earned. Rewards (certificates) expire 90 days after issuance.
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Redemption Penalties: Rewards are issued in $5 increments and can only be redeemed for merchandise at Banana Republic, Gap, Old Navy, and Athleta stores or online.
Benefits & Protections (Detailed) 12 Total
PENDINGShopping 5
Accelerated Rewards Earning - Gap Inc. Brands
5 points per $1Cardmembers earn 5 points for every $1 spent on purchases at Gap, Old Navy, Banana Republic, Athleta, Hill City, and Janie and Jack.
Standard Rewards Earning - Everywhere Else (Visa)
1 point per $1Banana Republic Visa Cardmembers earn 1 point for every $1 spent on purchases made everywhere else Visa credit cards are accepted.
Rewards Redemption
100 points = $1 RewardPoints can be redeemed for Rewards. 100 points are equivalent to $1 in Rewards. Rewards are issued in increments of $5, $10, $15, $20, $25, $30, $35, $40, $45, $50 and expire 90 days from issuance.
First Purchase Discount
20% offNew cardmembers receive 20% off their first purchase made with the Banana Republic Credit Card.
Exclusive Cardmember Offers
VariesCardmembers receive access to exclusive offers and promotions.
Status Benefits 7
Icon Status - Quarterly Bonus Points
20% extra bonus points quarterlyIcon status cardmembers (achieved by earning 5,000 points in a calendar year) receive an additional 20% bonus points every quarter on points earned during that quarter.
Icon Status - Free 3-5 Day Shipping
Free 3-5 day shipping on $50+ ordersIcon status cardmembers receive free 3-5 day shipping on all online orders of $50 or more from Gap Inc. brands.
Icon Status - Choose Your Own Sale Day
One day per yearIcon status cardmembers can choose one day per year to receive a special discount on their purchases.
Icon Status - Free Basic Alterations
Free basic alterationsIcon status cardmembers receive free basic alterations on Banana Republic merchandise.
Icon Status - Dedicated Toll-Free Priority Line
Dedicated priority lineIcon status cardmembers have access to a dedicated toll-free priority customer service line.
Icon Status - Double Points Events
Double pointsIcon status cardmembers receive invitations to special double points earning events.
Icon Status - Birthday Gift
Birthday giftIcon status cardmembers receive a special birthday gift.
Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Sign-Up Bonus
No Sign-Up Bonus Available
Click "Get Data" button below to fetch sign-up bonus information.
Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 29.99% - 31.99%
Cash Advance APR: 32.99%
Intro APR Offers
Promo Financing: Deferred Interest
Promo Duration: 12 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: New cardmembers for the Banana Republic credit card (store card or co-branded Visa/Mastercard) typically receive a percentage discount (e.g., 20% off) on their first purchase made within a specified period (e.g., 14-30 days of account opening) or a fixed bonus points offer after meeting an initial spend threshold. Eligibility requirements include being at least 18 years old, possessing a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meeting Synchrony's creditworthiness criteria. While the store-only version may be accessible with fair credit, the co-branded Visa/Mastercard version generally requires good to excellent credit. Synchrony evaluates recent credit inquiries and new accounts opened across all issuers, though they do not have a strict 'X/24' rule like some other banks. Approval is subject to Synchrony's internal risk assessment, including existing credit relationships with Synchrony.
Max Cards Per Issuer: 4
Min Spend Interval: 3 months (for spend-based bonuses) or First Purchase (for discount-based bonuses)
Cliff Effect Rules: The Banana Republic credit card is part of the Gap Inc. family of cards (Gap, Old Navy, Athleta). While you can hold separate store cards for each brand, benefits (e.g., rewards points, status tiers) are often consolidated under a single Gap Inc. Rewards Program. Applying for multiple Gap Inc. branded cards from Synchrony in a short period may result in a single approval for one card or a denial based on overall credit exposure. Holding a co-branded Visa/Mastercard version may preclude approval for a store-only version of the same brand, or vice-versa, depending on Synchrony's internal rules.
Special Events: Exclusive cardmember-only sales events, double points days on specific categories or dates, birthday discounts, early access to new collections, and special financing offers during promotional periods.
Holiday Promos: Black Friday/Cyber Monday (November-December), Friends & Family events (Spring/Fall), Memorial Day, Labor Day, and other major retail holidays.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.2 / 5.0
Top Positive:
Good discounts and rewards for Banana Republic purchases; relatively easy approval process; exclusive cardholder offers.
Top Negative:
High APR; rewards are primarily limited to Gap Inc. brands; limited benefits compared to general-purpose credit cards.
Approval Experience: 85.0 / 100
Recommended Alternatives
- Gap Credit Card
- Old Navy Credit Card
- Citi Double Cash Card
Card Value Score: 70.0 / 100
Est. Annual Rewards: $110.00
Approval Probability: 80.0%
Version Control
PENDINGVersion ID: v1.0
Last Updated: Oct 27, 2023 00:00