Banana Republic Rewards Visa® Credit Card
Basic Information
Program ID: banana-republic-rewards-credit-card
Issuer: Synchrony
Card Type: Credit
Network: Visa
Card Tier: Standard
Data Complete: Yes
Created: 01/10/2026 09:02
Last Scraped: 01/15/2026 09:29
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: | 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
Purchase APR Range: 2,999.00% - 2,999.00%
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: 2,999.00%
Sign-Up Bonus
Bonus Amount: $1,000.00
Spending Requirement: $500.00
Time Period: 90 days
Bonus Timing: Bonus points typically post to your account within 1-2 billing cycles after the spending requirement is met, but often within 2-4 weeks.
Rewards Program
Reward Type: Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x at Banana Republic, Gap, Old Navy, Athleta
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points expire if there is no account activity for 12 months or if the account is closed. (Based on Banana Republic Rewards Visa Signature Card program details, assumed to be consistent for January 2026)
Transfer Partners: N/A
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
- 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: New cardholders receive a 20% discount on their first Banana Republic purchase made within 30 days of account opening, plus 500 bonus points after spending $500 within the first 90 days. Points are earned at 5 points per $1 at Banana Republic, Gap, Old Navy, and Athleta, and 1 point per $1 everywhere else (if co-branded Visa/Mastercard version). Eligibility requires applicants to be 18 years or older, a U.S. resident with a valid SSN or ITIN, and meet Synchrony's creditworthiness criteria, typically fair to good credit. Applicants with recent bankruptcies or excessive recent Synchrony applications may be denied.
Maximum Cards Per Issuer: 6
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, excessive returns or return fraud, high cumulative credit limit across Synchrony accounts, multiple applications for Synchrony cards in a short period, suspicious account activity, or failure to adhere to cardholder agreement terms.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.6 / 5.0
Top Positive Feedback:
Excellent rewards for loyal Banana Republic/Gap Inc. shoppers, frequent discounts and exclusive offers, relatively easy approval for those with fair to good credit.
Top Negative Feedback:
High Annual Percentage Rate (APR), limited redemption options (only Gap Inc. brands), reports of poor customer service from Synchrony Bank, low credit limits for some users.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Old Navy Visa Credit Card
- Gap Visa Credit Card
- Capital One SavorOne Cash Rewards Credit Card
Card Value Score: 68.0 / 100
Est. Annual Rewards: $120.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 30% Store / 70% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0