Banana Republic Rewards Visa® Credit Card

Synchrony Visa Signature Pending

Back Apply Now

15

Benefits

3

Reward Categories

6.3x

Max Reward

30%

APR From

Basic Information

PENDING

Program ID: banana-republic-rewards-credit-card

Issuer: Synchrony

Card Name: Banana Republic Rewards Visa® Credit Card

Card Type: Credit

Network: Visa

Card Tier: Signature

Approved: Pending

Data Complete: Complete

Created: Jan 10, 2026 09:02

Last Scraped: Feb 07, 2026 05:37

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 3 Categories

PENDING

Category	Rate	Type	Description	Annual Cap
Gap Inc. Brands Purchases (Icon Status)	6.25x	Points	Purchases made at Gap, Old Navy, Banana Republic, and Athleta stores and their respective websites for cardholders with Icon Status (spending $500+ in a calendar year). This rate includes the 25% Icon bonus.	No Cap
Gap Inc. Brands Purchases	5x	Points	Purchases made at Gap, Old Navy, Banana Republic, and Athleta stores in the U.S., Puerto Rico, and Canada, and at gap.com, oldnavy.com, bananarepublic.com, and athleta.com.	No Cap
All Other Purchases (Visa Card)	1x	Points	Purchases made everywhere Visa credit cards are accepted, outside of Gap Inc. brands. Applies only to the Banana Republic Rewards Visa Credit Card.	No Cap

Rewards Summary

PENDING

Reward Type: Points

Base Rate: 1x

Bonus Rate: 5x

Categories: 5x at Gap Inc. brands (Banana Republic, Gap, Old Navy, Athleta)

Quarterly Rotating: No

Expiration Policy: Points expire 24 months after they are earned.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Redemption Penalties: Rewards certificates expire 90 days after issuance. Certificates cannot be used to purchase gift cards.

Benefits & Protections (Detailed) 15 Total

PENDING

Customer Service 1

Dedicated Toll-Free Priority Line (Icon Status)

Dedicated priority line

Icon status members (spending $500+ annually) have access to a dedicated toll-free priority customer service line.

Financial 1

No Annual Fee

No annual fee

The card has no annual fee.

Lifestyle 2

Special Birthday Offer

Special offer

Receive a special offer during your birthday month.

Free Basic Alterations (Icon Status)

Free basic alterations

Icon status members (spending $500+ annually) receive free basic alterations on Banana Republic merchandise.

Shopping 10

Base Rewards Earning Rate at Gap Inc. Brands

5 points per $1

Earn 5 points for every $1 spent at Banana Republic, Gap, Old Navy, Athleta, and Hill City.

Rewards Earning Rate Everywhere Else (Visa Card)

1 point per $1

Earn 1 point for every $1 spent everywhere else Visa is accepted. This benefit applies to the Banana Republic Rewards Visa Card.

Reward Redemption

$5 Reward for 500 points

Receive a $5 Reward for every 500 points earned.

Introductory First Purchase Discount

20% off first purchase

Get 20% off your first purchase when you open and use your new Banana Republic Rewards Credit Card or Banana Republic Rewards Visa Card at Banana Republic, Gap, Old Navy, or Athleta.

Exclusive Cardmember Offers

Exclusive offers

Access to exclusive offers available only to cardmembers.

Bonus Points Events

Bonus points

Access to special events where you can earn bonus points on purchases.

Early Access to Sales

Early access

Receive early access to sales events.

Free Shipping on $50+ Orders (Enthusiast Status)

Free shipping on $50+ orders

Enthusiast status members (spending $0-$499 annually) receive free shipping on online orders of $50 or more.

Free 2-3 Day Shipping (Icon Status)

Free 2-3 day shipping

Icon status members (spending $500+ annually) receive free 2-3 day shipping on all online orders.

Choose Your Own Sale Day (Icon Status)

Choose own sale day

Icon status members (spending $500+ annually) can choose their own sale day.

Status Benefits 1

Icon Status Extra Points Earning

25% extra points

Icon status members (spending $500+ annually) earn 25% extra points on every purchase at Gap Inc. brands, resulting in 6.25 points per $1 spent.

Benefits Summary (Flags)

PENDING

Extended 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
Authorized User Fee:	$0.00
Min Interest Charge:	$2.00

Additional Fees

PENDING

Late Fee:	$40.00
Returned Payment:	$40.00
Balance Transfer:	Either $10 or 5% of the amount of each transfer, whichever is greater
Cash Advance:	Either $10 or 5% of the amount of each cash advance, whichever is greater
Foreign Transaction:	0.00%

Interest Rates & APR

PENDING

Standard APR

Purchase APR: 29.99% - 29.99%

Cash Advance APR: 29.99%

Intro APR Offers

Promo Financing: Deferred Interest

⚠️ If your Account is subject to a deferred interest promotion, interest will be imposed on the promotional balance from the date of purchase or the beginning of the billing period in which the purchase is posted to your Account, but only if the promotional balance is not paid in full by the end of the promotional period.

Approval Criteria & Requirements

PENDING

Credit Score Requirements

Recommended FICO Score

620 - 739

Approval Odds

Good

Soft Pull Support

Hard Pull Only

Application Process

Prequalification

Not Available

Preapproval

Not specified

Credit Bureau

Experian, TransUnion, Equifax

Issuer Rules & Policies

PENDING

Rules: Eligibility for the Banana Republic Rewards Credit Card (projected for 2026) requires applicants to be 18 years or older, a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and meet Synchrony's creditworthiness criteria. Application is typically online with an instant decision often available, subject to a credit history review. New cardholder bonus rules commonly include a percentage discount (e.g., 15-20%) on the first purchase made within a specified timeframe (e.g., 14-30 days of account opening). Additional bonus points or discounts may be offered for reaching specific spending thresholds within the first 90 days.

Max Cards Per Issuer: 5

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across all Synchrony accounts, frequent credit limit increase requests without corresponding spend, excessive returns, suspected fraudulent activity, repeated late payments, rapid application for multiple Synchrony cards (app-o-rama), and high credit utilization across the Synchrony portfolio.

Cliff Effect Rules: The Banana Republic Rewards Credit Card is integrated into the broader Gap Inc. rewards ecosystem. Benefits, such as 'Luxe' status for high annual spenders, are tied to meeting specific spending thresholds within a calendar year. Failure to meet these thresholds will result in a downgrade of status and loss of associated perks (e.g., free shipping, bonus points, birthday rewards). While rewards generally pool across Gap Inc. brands (Gap, Old Navy, Athleta), specific cardholder benefits may not stack or transfer seamlessly between different branded cards within the family.

Special Events: Cardholders frequently receive exclusive early access to sales, additional percentage discounts during promotional periods (e.g., Friends & Family events, seasonal clearances), and special bonus point offers on specific purchase days or categories.

Holiday Promos: Expect enhanced cardholder benefits and bonus point opportunities during major retail holidays such as Black Friday/Cyber Monday, Christmas/New Year's, Mother's Day, Father's Day, and back-to-school seasons.

International Friendly: No

User Analytics & Insights

PENDING

User Ratings

Average Rating: 3.0 / 5.0

Top Positive:
Good rewards for loyal shoppers at Gap Inc. brands, exclusive discounts, and relatively easy approval for many applicants.

Top Negative:
High APR, points can expire, reported customer service issues with Synchrony Bank, and limited utility outside Gap Inc. stores for the store-only version.

Approval Experience: 75.0 / 100

Recommended Alternatives

Old Navy Credit Card
Nordstrom Retail Card
Discover it Cash Back

Card Value Score: 65.0 / 100

Est. Annual Rewards: $120.00

Approval Probability: 75.0%

Version Control

PENDING

Version ID: v1.0