Banana Republic Credit Card Reviews: Is It Worth It? (2023)Reviews, rates, fees, and rewards details for The Banana Republic Credit Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership feesHigh rewards rate20% discount initial rewards bonusNo intro APR on purchasesNo intro APR on balance transfersForeign feeRequires good/excellent credit
Info about Banana Republic Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
Rewards%APR298Reviews15Q&AContact
RewardsAPRWalletHub ReviewQ&ACustomer Reviews
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit
Annual Fee
$0
Rewards
Receive 20% Off your first purchase made at Banana Republic with your card within 14 days of account opening.
Earn 5 Points for every $1 spent at Gap, Banana Republic, Old Navy, and Athleta, and 1 Point for every $1 spent on all Mastercard purchases made outside the family of brands.
100 Points = $1 Reward redeemable across the family of brands, no merchandise restrictions.
Free Fast Shipping on all online orders $50 or more.
Unlock up to 2,000 bonus points annually when you shop at 2 or more of the Gap Inc. brands. 2 brands = 500 pts // 3 brands = 1,000 pts // 4 brands = 2,000 pts.
Cardmembers get 250 bonus points each quarter that you make a qualifying purchase at Gap, Banana Republic, Old Navy, or Athleta. Icon Membership tier (with 5,000 points accumulated) will earn 500 bonus points. Terms apply.
You’ve got two options (sort of). There are two Banana Republic Credit Cards: The Banana Republic Mastercard Card and the Banana Republic Store Card. But it’s not a take-your-pick type of situation. There’s one application, and the card you ultimately get depends on your credit standing. People with good or excellent credit typically... show more
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You can get a cash advance with your Banana Republic Credit Card by using the card and the PIN at an ATM. For the Banana Republic Store Card, though, cash advances are not allowed. That's because it is a store card and it can only be used for purchases at Banana Republic, Gap, Old Navy and Athleta.
Here's How to Get a Cash Advance With Your Banana Republic Credit Card
Call the issuer's customer service at (866) 928-8598 and request a PIN, if you don't already have one.
Insert the credit card at an ATM and enter the PIN.
Select the cash advance option on the ATM screen.
Enter the amount you'd like to withdraw.
Withdraw the cash and remove the credit card from the ATM.
Before you take out a Banana Republic Credit Card cash advance, it's important to note that it is a very expensive transaction. For starters, there's a cash advance fee of 5% (min $10). There's also a separate cash advance APR of 31.99% (V) that applies as soon as you withdraw the cash. There may be ATM-owner fees, too.
You can set up autopay for your Banana Republic Credit Card from your online account.
On the main page, under the "Make Payment" button click on the "Autopay-OFF" link, then on the "Enroll in Autopay" button. You'll need to select the amount which will be automatically deducted from your bank account...
How did you pay it? If you just sent it off by mail, it takes a couple of days for the payment to get to them, and be registered. It might also take a day if you paid online in the evening.
Share your insights and review the Banana Republic Credit Card
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53%
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16%
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13%
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5%
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3.9
298 reviews
298 reviews
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Rik Nemanick @nemanick
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5 Star Rating
Great card. I have had it for years and love getting the rewards. There are frequent promotions where you can earn more points more quickly, and the rewards can add up. You can pull up all of your rewards on Safari on your iPhone to use in the store, making redeeming them easy.
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Barrett Round @bpround
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5 Star Rating
I have had this card for almost a year, and I am brand loyal to BR. The card has an obviously high interest rate. Advice to any gripes of that are pay in full and live within means. Period. As for the benefits, I have received NUMEROUS rewards without spending more than I need for Luxe status (Free in-house alterations!). It also has sporadic point multipliers that can boost your rewards significantly. I have many cards, and if wanted my clothing free all year, this card could make it happen if primarily used.
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Alan Brommelhorst @brommelhorst
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4 Star Rating
As far as clothing store credit cards go, this one cannot be beat. Once you sign up for this card you receive 15% of your initial purchase. Now here is the best part: if you pay attention to their emails, there are many promotions that you can take advantage of with this card. It's easy to say that at least once a month you can save 40% on purchases when you use the credit card.
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Bianca Hernandez @bianca9999
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1 Star Rating
This store credit card is good for people who don’t shop at Banana Republic (and family) stores a lot. You earn 5 points for every $1 spent and 1 point everywhere Visa is accepted. That can add up quickly, but they cap you at 2,000 points per year. The benefits for having this card are not worth the 23.99% interest rate you’ll have to pay. You’re better off getting an Amazon.com Visa card, for example, or another Visa with better reward point benefits at these stores.
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Emily Pfefer @pfefer4prez
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2 Star Rating
The Banana Republic Credit Card does not seem to give a very good return on "investment" compared to my Visa Travel Rewards Card. Barring a few gimmicks at limited stores, this card only provides 1 pt/dollar spent. 200 points converts to $10 that can only be spent at Gap, which is only a 0.5% return. Conversely, my Visa rewards card gives me 1.5 pts/dollar spent, which I can redeem in a variety of ways. Of best value, I can either receive the equivalent of 1% directly cash back or 1.5% credited to my credit card bill (so long as I have made sufficient travel related purchases). In either case, my Visa rewards card leaves me with more money in my pocket that I am free to direct however I choose than this poorly paying and limiting card.
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Jennifer Warburton @jenwarb
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4 Star Rating
This card is perfect for updating my spring wardrobe. The Banana Republic Credit Card offers discounts and points at my favorite stores. As with most store cards, the interest rate is a little high, but as long as there are not too many good sales, I should be fine.
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Norma E Lewis @normael
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3 Star Rating
I used to use the Sears credit card and it was connected with Kmart. It had a similar deal with Banana Republic but Sears was for every $1 you spent. but the points expired at a certain time. A person could only use the discount card at Sears or Kmart. Like the Banana Republic card the interest rate was high so a person's best bet was to buy a certain amount, pay it off then start all over again, instead of accumulating so much on the card. That is why so many people get in debt, they let it accumulate each month, the interest rate is high anyway, and then now they are stuck with a high interest rate bill every month. The Banana Republic card would be nice to have but the idea is to use it wisely like all other credit cards. Everyone gets caught up in using credit cards and do not think of any consequences. We all wonder why we are in debt. Rewards are a great incentive to have but there has to be a better way to reward a person to keep them out of debt. Here is an idea, Use the card or any credit card up to a certain amount, pay it off, then start over again. Sounds good to me.
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Jackie Fenimore @jackie.fenimore
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5 Star Rating
I love love love my Banana Visa! I shop at Banana Republic frequently and figured, I already shop there, it's like I'm throwing away free rewards, so I signed up for the card. I put most of my large purchases on the card so I get the tons of points. Then the rewards just come flowing in. When I get a notice I have $100 of rewards waiting, I get so excited. I can buy an outfit for work or a special event with that money without spending my own, when I already would shop there anyway. The interest rate is higher than an average credit card, but not for a clothing store. As long as you pay off your balances, this is a great card!
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tomeka @heir2me
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3 Star Rating
The Banana Republic credit Card seems to have a decent APR comparable to say a Walmart credit card whose rate is 22.90%. It offers good savings and is good for multiple stores that offer varying quality. The max bonus points that can be earned are rather low. Ultimately the most you save from bonus points is $20, however, you can likely save a great deal shopping on a Tuesday.
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Skye Harris @HerPrincessSkye
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5 Star Rating
The Banana Republic Credit Card is a wonderful card all around! The rewards on this card are amazing, and can really add up quickly. I shop here a lot, as well as at the other stores this card supports and the rewards really stack up quickly! The interest rate is pretty high, but it's on par with other cards of its type, such as the Best Buy card, or the Lowe's card. Most store cards have the same interest rate, but it can quickly be made up by its amazing rewards.
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