WalletHub Rating
3.8/5
Banana Republic Credit Card has a rating of 3.8/5 according to our proprietary credit card rating system. This rating reflects how appealing Banana Republic Credit Card's terms are compared to a pool of more than 1,500 credit card offers tracked by WalletHub. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is 'Earn Rewards (Store Cards)'. To break it down further, Banana Republic Credit Card earned a score of 5.0/5 for Fees, 3.5/5 for Rewards, 3.6/5 for Cost, and 3.9/5 for User Reviews.Info about the Banana Republic Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
WalletHub Rating Breakdown
User Reviews
3.9/5
300 reviewsRead and write reviews
Editor’s Review
4.7/5
John Kiernan, Credit Card EditorRead full review
Market Comparison
Market Comparison
3.6
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Earn Rewards (Store Cards)” for this card.
Fees
5.0
Rewards
3.5
Cost
3.6
Other Features
0.0
3.6/5
Compared against 1,500+ credit cards
KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit
Annual Fee
$0
APR on Purchases
29.99% (V)
Balance Transfer
APR: 29.99% (V)
Balance Transfer Fee
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.
Banana Republic Credit Card's Additional Info
Early Access to select sales.
Members Only Exclusive Offers.
By applying, you agree that you’ll first be considered for the Banana Republic Credit Card which can be used anywhere Mastercard is accepted. If not approved for the Banana Republic Credit Card, you’ll then automatically be considered for the Banana Republic Store Card which can be used across all Gap Inc. stores and online.
show more
Learn More
at Barclays Bank US' secure site
Editor's ReviewFact checked
Fact checked
John Kiernan, Managing Editor
May 29th, 2024
Fact Checked by Alina Comoreanu
Senior Researcher
Banana Republic Credit Card Pros & Cons
No membership fees
High rewards rate
20% discount initial rewards bonus
No intro APR on purchases
No intro APR on balance transfers
Foreign fee
Requires good/excellent credit
Banana Republic Credit Card Review
4.7 / 5
- 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 get approved for the Mastercard, while folks with fair credit are more likely to get the store card.
- Solid rewards for the whole family. By “whole family,” we mean Banana Republic, Old Navy, Gap and Athleta. Either Banana Republic credit card will give you 5 points per $1 spent at all of those stores, equal to 5% cash back. Most retailer-affiliated cards only offer bonus earning rates for a single brand. And that’s largely why you shouldn’t care whether you get the Banana Republic Mastercard or the Banana Republic Store Card. The only extra thing the Mastercard gives you is the ability to make purchases anywhere Mastercard is accepted and earn 1 point per $1 spent in the process. But you can find a far more rewarding card for purchases made outside the Banana Republic family.
- Costly to carry a balance. Both Banana Republic Credit Cards have an APR, which is well above the rates charged by the average credit cards for both good (24.12%) and fair (26.41%), according to WalletHub’s latest Credit Card Landscape Report. And neither Banana Republic card offers 0% intro rates. Needless to say, they aren’t the right plastic for carrying a balance from month to month, so make sure to always pay in full.
- No annual fee is standard, but still nice. Most retailer-affiliated credit cards don’t charge annual fees, so this is unlikely to help you decide between such offers. But the fact that neither the Banana Republic Mastercard Credit Card nor the Banana Republic Store Card charges an annual fee does save you about $22.29 per year, compared to the average credit card.
Show More
Compare The Banana Republic Credit Card vs. Popular Alternatives
 Banana Republic Credit Card |  Wells Fargo Active Cash® Card |  Blue Cash Everyday® Card from American Express |
|---|---|---|
3.8WalletHub Rating WalletHub Rating 3.8 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards (Store Cards)." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.7 User Reviews 3.9 Market Comparison 3.6 fees: 5.0 rewards: 3.5 cost: 3.6 Other Features: 0.0 | 4.4WalletHub Rating WalletHub Rating 4.4 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 5.0 User Reviews 3.2 Market Comparison 4.4 fees: 3.8 rewards: 4.7 cost: 4.7 Other Features: 0.0 | 4.1WalletHub Rating WalletHub Rating 4.1 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.2 User Reviews 3.6 Market Comparison 4.2 fees: 4.3 rewards: 5.0 cost: 4.3 APR: 3.8 |
annual fee$0 | annual fee$0 | annual fee$0 |
rewards rate | rewards rate | rewards rate |
bonus offer | bonus offer | bonus offer |
Purchase Intro APRNot Offered | Purchase Intro APR0%for15 months from account opening | Purchase Intro APR0%for15 months |
transfer intro aprNot Offered | transfer intro apr0% for 15 months from account opening on qualifying balance transfers|Transfer Fee: 3% intro for 120 days, then up to 5% (min $5) | transfer intro apr0% for 15 months|Transfer Fee: 3% (min $5) |
Regular APR29.99% (V) | Regular APR20.24% - 29.99% Variable | Regular APR19.24% - 29.99% (V) |
Sponsored Apply Now | Sponsored Apply Now Terms Apply |
Questions & Answers
Can't find what you are looking for? Submit your question about Banana Republic Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
Most Popular
11
Upvotes
How can I pay my Banana Republic Credit Card?
Reply
11
Peter Fox, WalletHub Analyst
@PeterFox
You can make a Banana Republic Credit Card payment online, by phone or by mail. To pay a Banana Republic Credit Card bill online, log in to your online account and click on “Make a payment.” Then, choose how much to pay, when to pay it, and where the payment is coming from. issuer does allow cardholders to set up automatic payments, too.
Ways to Make a Banana Republic Credit Card Payment
- Online: Log in to your online account and click on “Make a payment.”
- By phone: Call 1 (866) 582-0286 and enter your card information when prompted.
- By mail: Send a check or money order (but not cash) to
Card Services
P.O. Box 60517
City of Industry, CA 91716-0517Card Services
P.O. Box 13337
Philadelphia, PA 19101-3337
Overnight Credit Card Payments
(Using specific labels and envelopes through UPS, Mail Boxes Etc., FedEx, U.S. Mail)
RemitcoCard Services
Lock Box 60517
2525 Corporate Place, Suite 250
Monterey Park, CA 91754
Card Services
400 White Clay Center Drive
Newark, DE 19711
Make sure to send it early enough that it will arrive by the due date. Write your credit card number on the check, too.
In conclusion, there are multiple ways to make a Banana Republic Credit Card payment, so just choose whichever method is easiest for you. The important part is to not miss payments, as that can seriously damage your credit score.
6
12
Upvotes
How do I cancel my Banana Republic Credit Card?
Reply
12
8
WalletHub
@WalletHub
You can cancel your Banana Republic Credit Card eitheronlineor by calling customer service at(888) 232-0780. If you have a Banana Republic Store Card, you should call(866) 2951-5248,instead. Then, provide your account number and follow the automated prompts to get connected to a customer service rep.
To cancel your Banana Republic Credit Card online, log in to your account and then go to the “Services” tab. After that, select “Close Account”. Keep in mind that your request will take effect...
show more
5
5
Upvotes
How much is the Banana Republic Credit Card foreign transaction fee?
Reply
5
Robert Stark, WalletHub Credit Cards Analyst
@robert.stark
The Banana Republic Credit Card foreign transaction fee is 3%. This means the issuer will add a 3% surcharge anytime you use the Banana Republic Credit Card outside of the United States. The 3% fee also applies to online purchases made through an internationally-based merchant.
The Banana Republic Store Card, on the other hand, does not have a foreign transaction fee. This is because the Banana Republic Store Card doesn't allow you to use the card for this type of transactions. Its use is restricted...
show more
3
10
Upvotes
Can I pay my Banana Republic Credit Card in the store?
Reply
10
1
WalletHub
@WalletHub
No, you can't pay your Banana Republic Credit Card in the store. You can pay your Banana Republic Credit Card bill online, or over the phone by calling (866) 582-0286. Alternatively, you can make a payment via mail.
The Banana Republic Credit Card also allows cardholders to set up automatic payments. You can enroll in repeat payments to automatically pay the specified amount from your checking or savings account each month.
How to Pay Your Banana Republic Credit Card
- Online: Log in...
show more
6
8
Upvotes
Can I use my Banana Republic Credit Card anywhere?
Reply
8
6
WalletHub
@WalletHub
Yes, you can use the Banana Republic Credit Card anywhere Mastercard is accepted. That is virtually anywhere in the world where credit cards are accepted, as Mastercard benefits from extensive worldwide acceptance.
If, on the other hand, you have the Banana Republic Store Card, its use will be restricted to U.S.-based Banana Republic, Gap, Old Navy, and Athleta stores, along with their corresponding online stores.
Unlike the Banana Republic Credit Card, which requires good credit or better (a score of 700+) for good odds...
show more
5
Upvotes
What credit score do you need for a Banana Republic Credit Card?
Reply
Maria Adams, Credit Cards Moderator
@m_adams
The credit score you need for a Banana Republic Credit Card is 700 or better. That means people with at least good credit have a shot at getting approved for this card. The Banana Republic Store Card, though, accepts people with fair credit or better, but it can only be used at Banana Republic and affiliated stores.
Other things you need for a Banana Republic Credit Card:
You should note that while your credit score is an important factor, there are plenty...
show more
1
Upvotes
How do I check my Banana Republic Credit Card application status?
Reply
Maria Adams, Credit Cards Moderator
@m_adams
You can check your Banana Republic Credit Card application status either online or over the phone at (866) 951-5258. It should only take a few minutes to find out whether your application is approved, denied, or pending.
How to Check Your Banana Republic Credit Card Application Status Online
- Go to the issuer's application status page.
- Enter your last name, last 4 digits of your Social Security Number, ZIP code, and email address. Then, click on “Check Status.”
- View your...
show more
3
Upvotes
How can I redeem my Banana Republic Credit Card points?
Reply
3
April Lynch
@april_lynch
You can redeem your Banana Republic Credit Card points when you shop in-store or online at Banana Republic, Old Navy, Gap, Athleta, Hill City, Gap Factory and Banana Republic Factory.
1
2
Upvotes
I have no credit. Could I still get a Banana Republic credit card?
Reply
2
2
Andrew McKinley
@andy_mckinley
Sorry, you'll need good credit, so something along the lines of 700+. With no credit, you're better off just getting a “Limited History” card.
1
Upvote
I am going to order off the internet and I saw that there was a code if I use my credit card. I think it was for an additional 10%. Is that legit?
Reply
1
2
People Also Apply For
Wells Fargo Active Cash® Card
Blue Cash Everyday® Card from American Express
Chase Freedom Unlimited®
PlayStation® Visa® Credit Card
Old Navy Credit Card
GAP Credit Card
Express Credit Card
Other Banana Republic Cards
Banana Republic Store Card
Related Credit Card Categories
Banana Republic Credit Card is related to the following categories:
Compare Travel Credit CardsBarclays Credit CardsEMV Credit CardsPoints Credit CardsMastercard Rewards
Banana Republic Credit Card Reviews
Share your insights and review for the Banana Republic Credit Card
5
53%
4
16%
3
13%
2
5%
1
13%
3.9
300 reviews
300 reviews
What's Your Rating?
Most Recent
pamwilsongjco
@pamwilsongjco
1 Star Rating
"Horrible bank, do not do business with them. The bank and the card are completely out of sync; they try to mislead customers by not processing returns correctly. When calling the bank for help on a return, they are very nice on the phone, but claim they have no insight into what is happening with a credit due for a return. The Barclays Bank customer service representatives are very rude and tell customers they have no insight into what is happening with a return. If the bank is going to offer this card, they need to synchronize and process returns in a timely manner. It has taken over a month, and my return is still not processed. Barclays says they know nothing about it, even though on the return side it says the return is complete for over three weeks. So, no one can answer any questions, and my 800-dollar credit is stuck somewhere in limbo, with no one able to answer any questions about it. I am very disappointed in both companies. I was aiming to get other sizes and colors after my return was processed, but I wanted to use the card to get extra discounts and points. Since no one will process my return, I can't use the card, and now the sizes and colors I wanted are selling out. Very frustrating. Perhaps this is the scheme they have set up.
Comment
yoko_ichikawa
@yoko_ichikawa
1 Star Rating
My husband and I both have the same rewards card with the same number. Recently, he received an email saying his $244 rewards on his card would expire the next day. On the day he found the email, that the offer would expire. So he called me to give me a heads up knowing I would use those rewards more than him. I clicked the shop now button on the very same rewards message and logged into my account. It wouldn’t acknowledge the points, after I had already loaded up my cart and applied the same credit card as payment type. When I called, they said it had to be under his “account.” He doesn’t have an online shopping account with Banana. Just me, because I have a Gap account with the same parent company. This rewards system is confusing and makes no sense. You should be able to share the rewards considering one partner may have use for the reward more than the other person who earned the credits. Say for shopping for kids clothes, for example. When I called Banana rewards, they wouldn’t budge.
I highly wouldn’t recommend this card if you share a card with your partner.
Comment
Ronald Vales
@ronv74
1 Star Rating
Horrible Barclay Bank took over sent me a new card then for some reason I no longer had an account when I tried to active it . I been a customer for years never late and have a 700+ credit score. Capital One took over my williams sonoma card the switch was seemless and they gave me a increase credit limited 6 month later. Guess I won't be shopping at gap old navy and BR anymore goodbye .
Comment
giborah
@giborah
1 Star Rating
If only I could give one star, I would have. Would you like to be able to close your account when you have a zero balance? If so, this is not the card for you. Neither is the Gap credit card the card for you. You can write to them and request that or you can call Customer Service and request that. But it will not be done. Clearly, Banana Republic and The Gap do not want you to have the right to close your account once it's been paid off. Don't think very carefully before applying for their credit card. Just don't. Apply for a different card in a different store.
Comment
Sarah Hoover
@shoove
1 Star Rating
The cap on rewards spending is $250 per purchase. Literally had been saving all year for a $600 leather jacket only to not be able to make this purchase. Just spoke with "senior leadership" and they said there is nothing they can do. Ha. Total scam. Will be cancelling this card. It's been nothing but a headache.
Comment
1
Nureia
@nureiapoonja
5 Star Rating
Great card great rewards shop there exclusively because of the rewards
It only benefits you if you like their brand such as old navy banana and gap
Comment
Catharina
@eyeonfashiondesign1415
5 Star Rating
I like their merchandise. And pleasant customer service. They are alert when you call and try to listen what you want. Way to deliver.
Comment
Michael
@michaelz_78
5 Star Rating
Awesome card to have , even though I have a gap card but I use this card the most, I love my BR card . Especially when the sales start up
Comment
Wade
@orders_4
1 Star Rating
Terrible store card. Two years, Monthly balances paid & never received an increase, I have good-excellent credit, unprofessional service.
Comment
Anisha
@anishadax
1 Star Rating
Worst card! Regret getting this one. First of all, they are not like Chase or Capital One but they still make a hard inquiry dropping your credit score. Not worth it. It’s a useless card. Also, when my credit score temporarily dropped because of a reporting error this was the only company to decrease my credit limit within weeks. Regardless, I am going to close this card and I discourage all my friends and family from buying this card!
Comment
Review Banana Republic Credit Card
Banana Republic Credit Card
Credit Cards
>
Barclays Bank US
Important Disclosures
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers. For full transparency, here is a list of our current advertisers.
Advertising impacts how and where offers appear on this site (including, for example, the order in which they appear and their prevalence). At WalletHub, we try to list as many credit card offers as possible and currently have more than 1,500 offers, but we do not list all available offers or financial service companies.
Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does not impact WalletHub's editorial content including our best credit card picks, reviews, ratings and opinions. Those are completely independent and not provided, commissioned, or endorsed by any issuer, as our editors follow a strict editorial policy.
WalletHub is not a financial advisor. Our goal is to provide you with top-notch content, data, and tools. You are responsible for deciding what financial products and providers are best for your needs.
Irrespective of whether an institution or professional is a paid advertiser, the presence of information on WalletHub does not constitute a referral or endorsem*nt of the institution or professional by us or vice versa.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
* The information about the following cards has been independently collected by WalletHub: Old Navy Credit Card, GAP Credit Card, Express Credit Card, Banana Republic Credit Card, Banana Republic Store Card, and Nordstrom Credit Card.
