13
Benefits2
Reward Categories5x
Max Reward30%
APR FromBasic Information
PENDINGProgram ID: banana-republic-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)
Synchrony Bank is committed to providing assistance to our military customers and their families. If you are an active duty Servicemember, or a dependent of an active duty Servicemember, you may be entitled to certain benefits under the Military Lending Act (MLA) and/or the Servicemembers Civil Relief Act (SCRA). These benefits may include an interest rate cap of 36% on certain credit transactions.
Rewards Program (Detailed) 2 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Gap Inc. Brand Purchases | 5x | Points | Purchases made at Banana Republic, Gap, Old Navy, Athleta, Gap Factory, and Banana Republic Factory stores or online. | No Cap | |
| All Other Purchases | 1x | Points | Purchases made anywhere Visa credit cards are accepted, excluding Gap Inc. brands. | No Cap |
Rewards Summary
PENDINGReward Type: Points
Base Rate: 1x
Bonus Rate: 5x
Categories: 5x at Banana Republic, Gap, Old Navy, and Athleta stores and online
Quarterly Rotating: No
Expiration Policy: Points do not expire as long as your account is open and in good standing. Reward Certificates expire 90 days after issuance.
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Redemption Penalties: Reward Certificates are issued in $5 or $10 increments, may require a minimum purchase to redeem, and cannot be used for gift cards or previous purchases.
Benefits & Protections (Detailed) 13 Total
PENDINGLifestyle 1
Annual Birthday Gift
Special giftReceive a special birthday gift annually as a cardmember.
Shopping 6
Brand Purchases Rewards Earning
5 points per $1Earn 5 points for every $1 spent at Banana Republic, Gap, Old Navy, and Athleta.
Everywhere Else Purchases Rewards Earning
1 point per $1Earn 1 point for every $1 spent everywhere else Visa is accepted.
Rewards Redemption
$5 Reward for 500 pointsRedeem 500 points for a $5 Reward. Rewards can be used at Banana Republic, Gap, Old Navy, and Athleta.
Exclusive Cardmember Offers
Access to exclusive offersAccess to exclusive offers available only to cardmembers.
Free Standard Shipping
Free 3-5 day shippingReceive free 3-5 day shipping on all online orders at Banana Republic, Gap, Old Navy, and Athleta.
Bonus Points Events Access
Access to bonus points eventsAccess to special events where additional bonus points can be earned.
Status Benefits 6
Icon Status Annual Bonus Points
Up to 10,000 bonus points annuallyEarn 1,000 bonus points for every $1,000 spent at Banana Republic, Gap, Old Navy, and Athleta each year, up to a maximum of 10,000 bonus points. Requires Icon Status (spending $1,000+ in a calendar year).
Icon Status Enhanced Brand Purchases Rewards Earning
20% extra bonus points (6 points per $1 total)Receive 20% extra bonus points on all purchases at Banana Republic, Gap, Old Navy, and Athleta. This is in addition to the base 5 points per $1, effectively making it 6 points per $1. Requires Icon Status (spending $1,000+ in a calendar year).
Icon Status Free Expedited Shipping
Free 2-3 day expedited shippingReceive free 2-3 day expedited shipping on all online orders at Banana Republic, Gap, Old Navy, and Athleta. Requires Icon Status (spending $1,000+ in a calendar year).
Icon Status Choose Your Own Sale Day
Choose one sale dayAbility to choose a specific day to receive a special discount or offer. Requires Icon Status (spending $1,000+ in a calendar year).
Icon Status Free Basic Alterations
Free basic alterationsReceive free basic alterations on Banana Republic merchandise. Requires Icon Status (spending $1,000+ in a calendar year).
Icon Status Dedicated Customer Service
Dedicated customer service lineAccess to a dedicated customer service line for Icon cardmembers. Requires Icon Status (spending $1,000+ in a calendar year).
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 |
| 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
PENDINGStandard APR
Purchase APR: 29.99% - 29.99%
Cash Advance APR: 29.99%
Intro APR Offers
Promo Financing: Deferred Interest
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: For 2026, the Banana Republic Visa Card from Synchrony typically offers a sign-up bonus, often a percentage discount on the first purchase (e.g., 20% off) or a statement credit after meeting a specified spend threshold within the initial months (e.g., $50 statement credit after $500 spend in 3 months). Eligibility requirements include being at least 18 years old (19 in AL/NE), a U.S. resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and possessing good to excellent credit (typically FICO score 670+). Applicants should not have a history of recent bankruptcies or severe delinquencies. Synchrony also applies internal velocity rules regarding the number of new accounts opened within a specific timeframe. Rewards earned are generally redeemable across the Gap Inc. family of brands (Banana Republic, Gap, Old Navy, Athleta).
Max Cards Per Issuer: 5
Min Spend Interval: 3 months
Cliff Effect Rules: The Banana Republic Visa Card is part of the broader Gap Inc. Rewards program. Rewards earned contribute to a single loyalty account, redeemable across Banana Republic, Gap, Old Navy, and Athleta. The primary 'cliff effect' relates to achieving or maintaining 'Icon' status, which typically requires a high annual spend (e.g., $1,000+) across Gap Inc. brands. Failure to meet this threshold results in the loss of enhanced benefits such as higher reward rates, free shipping, and birthday bonuses. While specific sign-up bonuses are usually per card, the underlying rewards program is unified, meaning multiple Gap Inc. cards contribute to the same loyalty tier.
Special Events: Frequent cardholder-exclusive discounts, early access to sales, bonus reward points events, and special financing offers during promotional periods throughout the year.
Holiday Promos: Extensive promotional periods around major holidays including Black Friday, Cyber Monday, Christmas/New Year's, Memorial Day, Labor Day, and other seasonal sales events, often with additional cardholder benefits.
International Friendly: No
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.4 / 5.0
Top Positive:
Frequent shoppers appreciate the exclusive discounts, bonus points, and early access to sales. The card offers good rewards for loyal customers of Banana Republic and Gap Inc. brands.
Top Negative:
Common complaints include high interest rates, limited value outside of Gap Inc. stores for the store-only version, and occasional issues with customer service or reward redemption.
Approval Experience: 78.0 / 100
Recommended Alternatives
- Gap Visa Card
- Old Navy Visa Card
- Target RedCard
Card Value Score: 72.0 / 100
Est. Annual Rewards: $160.00
Approval Probability: 78.0%
Version Control
PENDINGVersion ID: v1.0