Banana Republic Rewards Visa Card
Basic Information
Program ID: banana-republic-rewards-visa-card
Issuer: Synchrony
Card Type: Credit
Network: Visa
Card Tier: Standard
Data Complete: Yes
Created: 01/10/2026 09:04
Last Scraped: 01/15/2026 09:31
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 3% 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: 2,124.00% - 2,924.00%
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: $10,000.00
Spending Requirement: $1,000.00
Time Period: 90 days
Bonus Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours for initial points posting.
Rewards Program
Reward Type: Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x at Gap Inc. brands (Gap, Banana Republic, Old Navy, Athleta, Hill City, Janie and Jack, KINDSNACKS)
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points expire 24 months after they are earned if not redeemed. 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 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, or Equifax
Issuer Rules
Rules: The Banana Republic Rewards Visa Card, issued by Synchrony, offers a tiered rewards program primarily focused on purchases at Banana Republic and other Gap Inc. brands (Gap, Old Navy, Athleta). New cardholders typically receive a sign-up bonus, often a percentage discount on their first purchase or a points bonus after meeting an initial spend threshold within the first 3 months. Eligibility requirements include being at least 18 years old (19 in AL and NE), a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and possessing a satisfactory credit history as determined by Synchrony's underwriting criteria. Applicants must not have defaulted on previous Synchrony accounts. Store-specific restrictions apply to bonus redemption and promotional offers, often requiring purchases directly from Banana Republic or Gap Inc. stores/websites.
Maximum Cards Per Issuer: 4
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across Synchrony products, rapid application for multiple Synchrony cards, excessive credit cycling, repeated late payments, defaulting on other Synchrony accounts, suspicious transaction patterns, or significant changes in credit profile.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.8 / 5.0
Top Positive Feedback:
Cardholders appreciate the strong rewards program for frequent shoppers at Gap Inc. brands, including exclusive discounts, early access to sales, and birthday rewards. Many find it easy to get approved, making it a good option for building credit.
Top Negative Feedback:
Common complaints include the high Annual Percentage Rate (APR), which can lead to significant interest charges if balances are carried. Some users find the rewards restrictive, only being redeemable at Gap Inc. brands, and there are occasional mentions of inconsistent customer service from Synchrony Bank.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Gap Visa Card
- Discover it Cash Back
- Amazon Prime Rewards Visa Signature Card
Card Value Score: 70.0 / 100
Est. Annual Rewards: $175.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 60 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