16
Benefits2
Reward Categories5x
Max Reward30%
APR FromBasic Information
PENDINGProgram ID: banana-republic-rewards-visa-card
Issuer: Synchrony
Card Name: Banana Republic Rewards Visa® Card
Card Type: Credit
Network: Visa
Card Tier:
Approved: Pending
Data Complete: Complete
SCRA Benefits (Military Members)
Federal law provides important protections to members of the Armed Forces and their dependents, including a Military Annual Percentage Rate (MAPR) cap of 36% on the cost of credit. This rate includes costs associated with credit insurance premiums, fees for ancillary products, and certain application/participation fees.
Rewards Program (Detailed) 2 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Gap Inc. Brands | 5x | Points | Purchases at Gap, Banana Republic, Old Navy, Athleta, and Factory & Outlet stores. | No Cap | |
| All Other Purchases | 1x | Points | Purchases everywhere else Visa is accepted. | No Cap |
Rewards Summary
PENDINGReward Type: Points
Base Rate: 1x
Bonus Rate: 5x
Categories: 5x at Gap, Banana Republic, Old Navy, Athleta, Hill City, and Janie and Jack; 1x on all other purchases everywhere Visa is accepted
Quarterly Rotating: No
Expiration Policy: Points do not expire as long as your account is open and in good standing.
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Redemption Penalties: Reward Certificates expire 90 days from the date of issuance. Reward Certificates are only redeemable at Gap Inc. brands and cannot be used for cash or applied to account balances.
Benefits & Protections (Detailed) 16 Total
PENDINGRewards 3
Rewards Earning at Gap Inc. Brands
5 points per $1Earn 5 points for every $1 spent on purchases at Banana Republic, Gap, Old Navy, Athleta, and Hill City, both in-store and online.
Rewards Earning Everywhere Else
1 point per $1Earn 1 point for every $1 spent on purchases made everywhere else Visa credit cards are accepted.
Reward Certificates
$10 for every 500 pointsPoints automatically convert to reward certificates, with $10 issued for every 500 points earned. Certificates are redeemable at Banana Republic, Gap, Old Navy, Athleta, and Hill City.
Security 3
Zero Fraud Liability
100% protectionProtects cardholders from unauthorized purchases made with their card or account information.
Emergency Card Replacement
Expedited replacementProvides expedited replacement of your card if it is lost or stolen, typically within 1-3 business days.
Emergency Cash Disbursement
Access to emergency cashAllows cardholders to access emergency cash from an approved location if their card is lost or stolen.
Shopping 1
New Account Discount
Percentage off first purchaseReceive a percentage discount on your first purchase made with your new Banana Republic Rewards Visa Card at Banana Republic or Gap Inc. brands.
Status Benefits 9
Enthusiast Status Earning
500 points or $500 annual spendAchieve Enthusiast status by earning 500 points or spending $500 across Gap Inc. brands in a calendar year.
Enthusiast Status - Free 3-5 Day Shipping
Free 3-5 day shippingEnthusiast members receive complimentary 3-5 day shipping on all online orders from Gap Inc. brands.
Enthusiast Status - Birthday Gift
Annual birthday gift/offerEnthusiast members receive a special birthday gift or offer annually.
Icon Status Earning
5,000 points or $1,000 annual spendAchieve Icon status by earning 5,000 points or spending $1,000 across Gap Inc. brands in a calendar year.
Icon Status - Enhanced Rewards
6 points per $1Icon members earn an enhanced rate of 6 points for every $1 spent on purchases at Gap Inc. brands.
Icon Status - Free 2-3 Day Shipping
Free 2-3 day shippingIcon members receive complimentary 2-3 day shipping on all online orders from Gap Inc. brands.
Icon Status - Birthday Gift
Annual birthday gift/offerIcon members receive a special birthday gift or offer annually.
Icon Status - Choose Your Own Sale Day
Additional percentage off one day per yearIcon members can choose one day per year to receive an additional percentage off their purchase at Gap Inc. brands.
Icon Status - Bonus Points Events
Access to bonus points eventsIcon members receive exclusive access to special events where they can earn additional bonus points.
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 |
| Authorized User Fee: | $0.00 |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Balance Transfer: | Either $10 or 5% of the amount of each balance 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
PENDINGStandard APR
Purchase APR: 29.99% - 29.99%
Cash Advance APR: 29.99%
Intro APR Offers
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility for the Banana Republic Rewards Visa Card requires applicants to be 18 years or older, a U.S. resident, and possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). Approval is subject to creditworthiness, with the Visa version typically requiring good to excellent credit. Existing Synchrony cardholders may face stricter approval criteria based on their overall credit exposure with Synchrony. New cardholders for 2026 are expected to receive a welcome offer, such as a 15-20% discount on their first Banana Republic purchase made within 30 days of account opening, and potentially bonus rewards points (e.g., 5,000 points) after spending $500 within the first 90 days. Rewards are generally earned at 5 points per dollar at Banana Republic and Gap Inc. brands (Gap, Old Navy, Athleta) and 1 point per dollar elsewhere Visa is accepted. Store-specific restrictions apply, meaning rewards points are primarily redeemable at Banana Republic and Gap Inc. family of brands, and certain merchandise, gift cards, or services may be excluded from earning or redeeming points.
Max Cards Per Issuer: 5
Min Spend Interval: 3 months
Cliff Effect Rules: Synchrony typically offers both a store-only version and a co-branded Visa version of its retail cards. Holding both the Banana Republic Store Card and the Banana Republic Rewards Visa Card simultaneously is generally not permitted; approval for the Visa version often results in the closure or upgrade of the store-only card. Benefits and reward tiers (e.g., 'Luxe' status) are usually tied to the highest-tier card held and cumulative spending across Gap Inc. brands, not per individual card. Downgrading from the Visa to the store card may result in the loss of Visa-specific benefits (e.g., acceptance outside Gap Inc. brands) and a potentially lower credit limit.
Special Events: Exclusive double points days, early access to sales, birthday rewards, and special discounts for cardholders at Banana Republic and Gap Inc. brands throughout the year.
Holiday Promos: Increased rewards points (e.g., 10x points) or special discounts (e.g., 25% off) during major holiday shopping periods such as Black Friday, Cyber Monday, Christmas, and seasonal sales events (e.g., Friends & Family, Memorial Day, Labor Day).
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.6 / 5.0
Top Positive:
Strong rewards for loyal Gap Inc. shoppers, exclusive discounts and promotions, relatively easy approval for those with fair credit, accepted widely as a Visa card.
Top Negative:
High APR, rewards are primarily valuable only at Gap Inc. brands, some users report issues with Synchrony Bank customer service, points can expire.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Old Navy Visa Card
- Amazon Prime Rewards Visa Signature Card
- Citi Double Cash Card
Card Value Score: 65.0 / 100
Est. Annual Rewards: $176.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: October 2023