Banana Republic Credit Card | Top 9 Must Know Facts


The Banana Republic offers the Credit Card and the Banana Republic, Visa Card. You will round out a similar application to apply for both, and the organization will choose which one you can get.

Banana Republic Credit Card 

The Banana Republic credit card has no yearly charge and is acknowledged around the world. This card is given by Synchrony Bank. It gains store rewards for sure, yet it additionally offers ample advantages that cardholders may discover. Much progressively important: access to selective offers, free dispatching on qualifying orders, even a birthday present. The card’s yearly expense is $0.


It won’t win you conventional money back, and it’s not perfect for conveying a parity. In case, you’re bonkers for the Banana Republic Credit Card, its co-marked card has some intrigue, on the off chance that you can stay away from slip-ups.

The Prizes are Entangled

The Banana Republic Credit Card rewards you for shopping at the Banana Republic and sister marks under the Gap Inc. umbrella, including Gap, Old Navy, and Athleta. There is a store-just form of the card. However, the Banana Republic Credit Card can be utilized anyplace Visa is acknowledged.

It procures-:

  • 5 for each $1 spent on Gap Inc. brands, coming up and on the web.
  • One point for each $1 spent somewhere else.

Focuses are worth 1 penny each, yet they’re not redeemable for money and can be utilized uniquely as in-store cash. As it were, $10 in remunerations enables you to thump $10 off a buy. Prizes are given in augmentations of $5 — which means you should gain at least 500 points first — up to a limit of $50 without a moment’s delay. There’s additionally a $250 all-out remunerations top per charging cycle.

Unused reward focuses terminate two years after your latest buy. That is a muddled framework, particularly for remunerations that are redeemable for Gap Inc. items. You may improve a straightforward level rate money back charge card with no base recovery necessities and no lapse date on remunerations.

Banana Republic Variable APR and Interest Rates 

This card has a variable buy yearly rate (APR), which will change with the market dependent on the Prime Rate. If you take care of your whole tab by the due date, you won’t pay any intrigue.

Banana Republic Rewards and Offers 

To begin with, as of this composition, you’ll get 20% off your first buy when you open another charge card with the Banana Republic Credit Card.

A while later, you’ll get the progressing advantage of winning focuses when you shop. The Banana Republic is a dress store under the Gap Inc. umbrella. Different stores under a similar umbrella incorporate Gap, Old Navy, and Athleta.

When you buy at any of these stores, regardless of whether on the web or coming up, you’ll acquire five points for each dollar spent. When shopping somewhere else with the Visa card, you’ll gain one point for each dollar.

Furthermore, every time you rack up 500, you will get a five dollar remunerate.

Banana Republic Perks and Exclusive Benefits

The Banana Republic likewise offers different advantages selective to charge cardholders. These incorporate twofold focus shopping days, no receipt required for returns, a birthday present, specials offers, and limits, and free standard sending on all sets of $50 or more. Visit Banana Republic’s site to get more data on their present advantages.

Banana Republic Security and Fraud Prevention

The Banana Republic Visa has a mark and chip to forestall extortion. On the off chance that extortion occurs, you won’t be held obligated.

The Banana Republic Online Account Management

 Notwithstanding the web account executives, you can deal with your prizes on the web. When you sign in to the prizes dashboard, you will perceive what number of focuses you’ve earned, pending focuses, your advancement towards remunerations and the following level status, and reward money you’ve gotten.

Focuses can be recovered both on the web and in-store with a basic snap. If you like, you can have your prizes sent to you in an instant message. A versatile wallet is additionally accessible, which will give you a chance to pay for the bus utilizing ApplePay, AndroidPay, or SamsungPay.

Banana Republic Customer Service

Online records the board deals with huge numbers of the requirements clients have for administration. You can, at present contact a live individual by email, snail mail, or telephone number. The Banana Republic Credit Card client care number for its standard card is 866-450-2330, and the telephone number for the Luxe Card is 866-450-2335. Numerous much of the time inquiries are likewise on Banana Republic’s client support page.

Do Not Carry a Balance

The Banana Republic Credit Card doesn’t offer an early on intrigue free period on buys. The continuous APR is 28.24% Variable. That is around ten rate focuses higher than the normal rate on Visa accounts that acquire intrigue. So this specific store card is neither useful for financing another closet nor for conveying a progressing balance.

Banana Republic’s Credit Card – Luxe/Signature Status 

Luxury is Banana Republic’s debut cardmember status. You can accomplish it by acquiring 5,000 inside one year.

The advantages include:

  • Triplet point shopping days.
  • 20% extra reward focuses dependent on your income in three months.
  • Free delivering on every single online request.
  • Pick your-own-day deal where you get your investment funds pass.
  • Boundless free modifications on Banana Republic stock.
  • A restrictive Banana Republic Visa client support line.
  • There have been reports of Luxe status cardholders as of late accepting a Banana Republic Signature Visa, and the talk is that the Signature card is supplanting the Luxe card. The new Signature card allegedly incorporates a few advantages, for example,
  • Twofold reward focuses on all buys that are not from Gap Inc.
  • Triple reward focuses on non-Gap Inc. buys during your birthday month.
  • Multiple times the reward focuses on every dollar you spend on Gap Inc. buys.
  • Free three to five-day shipping.
  • No outside exchange expenses

Giving your email and going paperless gains additional prizes

As of June 2019, the site for the Banana Republic Credit Card is offering cardholders the opportunity to gain up to $10 in extra rewards by presenting their email address (worth 500 points) and settling on paperless charging (worth another 500 points). It’s an easy decision, particularly since enrolling your email address implies you’ll get news and offers pertinent to a brand you’ve unmistakably.


If you’re a committed Banana Republic customer, at that point you’re probably going to welcome these specific charge cards. This is particularly, off chance that you accomplish the pined for Banana Republic Luxe status and are granted the additional advantages that accompany it. With regards to charges and punishments, they’re unforgiving so be certain you’re going about as a dependable cardholder to limit them.

In case you’re searching for one basic charge card to amplify your spending/compensates, a Mastercard that is increasingly adaptable with its acquiring/recovery choices, or a Visa that will win you rewards identified with the movement, at that point this isn’t the card for you.

 See also: 5 Best Business Credit Cards in 2019


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