Banana Republic Rewards Visa® Credit Card
Basic Information
Program ID: banana-republic-visa-credit-card
Issuer: BreadFinance
Card Type: Credit
Network: Visa
Card Tier: Standard
Data Complete: Yes
Created: 01/10/2026 10:34
Last Scraped: 01/15/2026 11:13
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: 2,924.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $50.00
Spending Requirement: $500.00
Time Period: 90 days
Bonus Timing: Statement credit typically posts to your account within 1-2 billing cycles after the spending requirement 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 typically expire 12-24 months after earning or if account is inactive. Reward certificates also expire.
Card Benefits
Protection Benefits
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 Credit Card, issued by BreadFinance, targets applicants with good to excellent credit (typically FICO score 670+). Eligibility requires applicants to be 18 years or older, a US resident, possess a valid SSN or ITIN, and demonstrate sufficient income. The standard sign-up bonus is expected to be 20% off the first purchase made within 30 days of account opening, plus 1,000 bonus points after spending $500 outside of Gap Inc. brands within the first 90 days. Store-specific restrictions apply, meaning the highest reward earning rates and exclusive benefits are primarily applicable to purchases made at Banana Republic, Gap, Old Navy, and Athleta.
Maximum Cards Per Issuer: 3
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across all BreadFinance accounts, frequent returns or suspicious transaction patterns, missed or late payments, abuse of promotional offers or sign-up bonuses, opening multiple credit accounts with BreadFinance or other issuers in a short timeframe.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.4 / 5.0
Top Positive Feedback:
Users appreciate the significant discounts and rewards earned on Banana Republic and Gap Inc. purchases, especially during promotional events. The card offers good value for loyal shoppers of the brand, providing exclusive access to sales and free shipping benefits.
Top Negative Feedback:
Common complaints include high APR, limited reward utility outside of Gap Inc. brands, and occasional issues with customer service from Bread Financial. Some users also report lower credit limits than expected and difficulty redeeming rewards for non-store purchases.
Approval Experience Score: 72.5 / 100
Recommended Alternatives
- Target RedCard
- Capital One SavorOne Cash Rewards Credit Card
- Chase Freedom Flex
Card Value Score: 68.0 / 100
Est. Annual Rewards: $110.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 60% General / 40% Store Focus
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0