Banana Republic Visa Card
Basic Information
Program ID: banana-republic-visa-card
Issuer: Synchrony
Card Type: Credit
Network: Visa
Card Tier: Standard
Data Complete: Yes
Created: 01/10/2026 09:18
Last Scraped: 01/15/2026 09:47
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: | N/A |
| 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: Bonus points are typically awarded within 1-2 billing cycles (approximately 30-60 days) after the qualifying spend is met.
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 12 months after earning if not redeemed. Reward certificates expire 30-90 days after issuance.
Transfer Partners: N/A
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: 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).
Maximum Cards Per Issuer: 5
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, unusual transaction patterns, rapid accumulation of Synchrony credit lines, high cumulative credit limits across Synchrony accounts, frequent balance transfers or cash advances without clear repayment, defaulting on other Synchrony accounts, or abuse of promotional offers/returns policies.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.5 / 5.0
Top Positive Feedback:
Excellent rewards for frequent Banana Republic and Gap Inc. shoppers; exclusive cardholder discounts and early access to sales; relatively easy approval process for a co-branded card.
Top Negative Feedback:
High interest rates if balances are carried; customer service issues sometimes reported with Synchrony Bank; rewards are primarily store credit, limiting flexibility.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Gap Visa Card
- Old Navy Visa Card
- Chase Freedom Flex
Card Value Score: 65.0 / 100
Est. Annual Rewards: $212.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 60 months
Store vs Co-brand: 35% Store / 65% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0
Last Updated: 01/01/2024 00:00