5. The Banana Republic Card tends to have higher credit requirements than other store cards, preferring applicants with scores in the mid-600s and higher, which is likely unsurprising given the high credit limits reported by many cardholders. The 5 Strategies You Must Be Using to Improve 4+ ACT Points, How to Get a Perfect 36 ACT, by a Perfect Scorer. Hot Tip: There is only 1 application for the Banana Republic credit cards. Basically, if the card has the Visa logo on the front, you’re good to spend almost anywhere. Manage all your bills, get payment due date reminders and schedule automatic payments from a single app. Click here to see a list of advertisers that we work with. In this review, we’re outlining the differences between the Banana Republic credit cards, the rewards program, the fees and drawbacks of the cards, how to manage your account, and much more. ACT Writing: 15 Tips to Raise Your Essay Score, How to Get Into Harvard and the Ivy League, Is the ACT easier than the SAT? So what about the Banana Republic credit cards? That's in addition to: 5 points for every $1 spent in stores or online. ), The Best Ways to Fly to Italy With Points and Miles, Capital One® Venture® Rewards Card — Full Review [2021], IHG® Rewards Club Select Credit Card — Full Review [2021], Capital One® QuicksilverOne® Cash Rewards Card — Full Review [2021], Capital One® VentureOne® Rewards Credit Card - Full Review [2021], The 16 Best Beach Chairs in 2021 [With Canopies & Loungers], How To Upgrade your Amex Gold Card to the Amex Platinum Card, How To Use the Wyndham Rewards Shopping Site To Earn More Points [2021]. That depends on your spending habits. Please view our privacy policy here. Is the Banana Republic Credit Card Right For You? However, this is upped to 5 rewards in a single transaction if shopping online or making a purchase over the phone. The Banana Republic Card has a high interest rate, no annual fee, and an average redemption value compared to similar cards. Now your Banana Republic Card will get you a $5 Reward for every 500 points you earn. Mrs. PFD recently received a new Banana Republic card in the mail. We present additional information on viewing and managing your rewards account in the Login and Online/App-Based Account Management section below. And Banana Republic Visa ® Cardmembers earn 1 point for every $1 spent everywhere else Visa credit cards are accepted. Choose Your Own Sale Day for additional discounts. Actually, it’s the same rewards program that’s used across all Gap Inc. brands. For additional information, refer to our in-depth explanation of Banana Republic’s rewards in the section above. If you love to shop at BR, this could be a great card for you—but there are a few caveats! If you’re a devoted Banana Republic (or Gap brand) shopper, then you’re likely to appreciate these particular credit cards. Take an Additional 20% Off Orders. All Rights Reserved. The Banana Republic card is an actual Visa credit card, so it can be used at any of those stores but also be anywhere else Visa is accepted. To redeem offer, enter code above at checkout. Plus, you also receive: Neither Banana Republic credit card is built for financing, however, as both lack reduced introductory rates and charge interest at an expensive 25.99% (V) APR. Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. In this post, we will focus on the Banana Republic Visa card and its upgrade, the Banana Republic Luxe card. At the very least, you should make the minimum payment. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). If you’re looking for 1 simple credit card to maximize your spending/rewards, a credit card that’s more flexible with its earning and redemption options, or a credit card that will earn you rewards related to travel, then this isn’t the card for you. Rewards are issued to the member’s account at the end of each billing cycle and are available for use at any of the Gap Inc. family of brands (not just Banana Republic). You must make your purchase within the valid window to apply your rewards. The main benefits of the basic Banana Republic credit card include: * The terms and conditions state that the 20% discount code expires 90 days from account open and can be used 1 time online at BananaRepublic.com. Focused on bringing customers contemporary yet classic wardrobe pieces, the brand prides itself on its detailed craftsmanship and versatility. Expires tomorrow New offer just added. All Banana Republic Cardholders earn 5 points per $1 spent across the Gap Inc. family of brands and Banana Republic Visa cardholders also earn 1 point per $1 on all other purchases. If you spend a generous amount of money on clothing, specifically at Banana Republic and the Gap Inc. family of brands, then yes — the Banana Republic credit card is likely worth it. For assistance with that, I recommend you contact the GAP customer support team at 1-800-427-7895, or via the chat feature on their website. unlimited alterations of Banana Republic merchandise. The mainstream luxury clothing brand Banana Republic is a favorite of stylish shoppers far and wide. Opinions and product recommendations on this site are ours alone, and have not been influenced, reviewed or approved by the issuer. The Banana Republic Visa® card converts your points into rewards certificates every month, provided that you earned enough points. 6. If you don’t use the points during the billing cycle you earn them in, they are rolled over into the next cycle for up to two years before they expire. Our new student and parent forum, at ExpertHub.PrepScholar.com, allow you to interact with your peers and the PrepScholar staff. Finally, you’ll also get a coupon code for 20% off your first purchase with your Banana Republic credit card. You can find more on the fees specific to the Banana Republic credit cards in our Fees and Drawbacks section above. Similarly, no matter which of the 4 cards you use to earn points, your rewards will only come in the form of certificates to be redeemed at Banana Republic and the Gap Inc. family of brands. That was that - she's been gallivanting around the globe ever since (26 countries & counting)! Once expired, rewards will under no circumstances be reissued. If the cardholder meets certain criteria, they can upgrade to the Banana Republic Luxe card. The information provided is for informational purposes only and should not be considered financial, tax or legal advice. But if you’re only looking for a simple go-to credit card to earn the most bang for your buck, you should consider the alternative cards listed below. Let’s take a look at the benefits and drawbacks of owning a Banana Republic credit card before you go applying for one. If you have good credit, you’ll be given the the Banana Republic card. You also can’t redeem more than 25,000 points (up to $250) in a single billing period or more than three rewards earnings on any one purchase. I thought they were downgrading her since as far as I know we didn’t spend enough in 2016 to keep Luxe status (in case you’re wondering, Luxe status isn’t worth much unless you’re really into Gap brands), but instead it turns out the Banana Republic is moving people from its Luxe Card to a Signature Visa. A Comprehensive Guide. If you’re an avid Banana Republic shopper then this likely isn’t a big drawback to you. The information regarding the Banana Republic Credit Card, Banana Republic Visa® Card, Banana Republic Luxe Credit Card, Banana Republic Luxe Visa® Card, and the Chase Freedom Unlimited® was independently collected by Upgraded Points and not provided nor reviewed by the issuer. Click here to see a list of advertisers that we work with. Banana Republic Visa cardholders enjoy the same baseline perks as Banana Republic cardholders (above), PLUS: 1 point for every $1 spent anywhere Visa … The content featured on UpgradedPoints.com has not been provided by the credit card companies mentioned. One big benefit of the Banana Republic Visa card is the lack of an annual fee. Banana Republic Card Perks and Rewards. A store card works like a credit card except it can only be used at the brand or umbrella brands that issues it. I had gone in as I was buying an item. They have a 25.24% APR, which is actually even higher than the 23.88% average for store credit cards. The platform allows users to manage their account in the following ways: Hot Tip: Banana Republic cardholders cannot pay their bill in-store. Advertiser Disclosure: Many of the credit card offers that appear on this site are from credit card companies from which we receive compensation. To find information on your account, you can create an online Synchrony account, or by calling: Banana Republic Credit Card: 866-450-2330; Banana Republic Luxe Credit Card: 866-450-2335. Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. To be clear, we’ve listed the Gap Inc. family of brands here: As mentioned previously, if you’re a Banana Republic Visa card or Banana Republic Luxe Visa cardholder, you’ll also earn 1 point per $1 spent on all other purchases (anywhere Visa is accepted) and 20% bonus points each quarter (applied to your account once the quarter is complete). How do I use my BR/Gap Rewards for an online purchase? When it comes to fees and penalties, they’re pretty harsh… so be sure you’re acting as a responsible cardholder to minimize them. The 1% points deal on all other purchases is only about average for a credit card, and you should be able to get better deals depending on where your money does go. Banana Republic — credit card. It won’t work if you try to use it to purchase anything anywhere else. Of great perks and benefits cards around the globe ever since ( 26 countries & counting!. 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