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Banana Republic Visa Card

Banana Republic Visa Card


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2.0/5.0 from 1 Offer Rating
Over the Past 60 Days!

(1) Over the Past 60 Days!

  • APR 25.24%
  • Cash Advance APR 27.24%
  • Annual Fee None
  • Late Payment Fee Up to $37
  • Cash Advance Fee Either $10 or 4% of the amount of each cash advance, whichever is greater
  • Foreign Exchange Fee 3%
  • Minimum Interest Charge $1.50
  • Rewards Details 5 points for every $1 spent in our brands, in-store and online


  • Click "APPLY NOW" to apply online
  • Cardmember-only offers and discounts
  • Free standard shipping on all online orders over $50
  • Birthday gift
  • 5 points for every $1 spent in our brands, in-store and online
  • 1 point for every $1 spent everywhere Visa is accepted
  • $5 reward for every 500 points you earn
  • Worldwide Visa acceptance

Expert Reviews

From the Editorial Team

The Banana Republic Visa Card offers robust rewards for those who are frequently shopping at Banana Republic stores. You'll enjoy the opportunity to earn rewards points on both Banana Republic and everyday purchases all the while enjoying the benefits of being a Visa cardholder. 

Expert Reviews of the Banana Republic Visa Card

  • 1.0

    Regular APR

  • 0.0

    Intro APR

  • 2.0


  • 3.0


  • star rating 2.0/5

    Overall Rating

The Bottom Line

It's all about the rewards points with the Banana Republic Visa Card. For those who frequently shop at Banana Republic, this card will earn its members valueable store perks that could add up to some significant savings. However, beware of the high APR for those who carry a balance. The potential for high interest fees would negate the rewards of this card. 

The Good

This card has no annual fee and earns rewards points on both any Gap Inc. purchase and everyday purchases. The points earned are not exclusive to Banana Republic, points can be redeemed at any Gap Inc. brand such as Old Navy or Athleta.

The Not So Good

For those who carry a balance, expect to incur high interest charges due to an APR of 25.24%. This card also has a foreign transaction fee of 3%. 

Disclaimer: This content is not provided by the card issuer. Any opinions, analyses, reviews or recommendations on this page have not been reviewed, approved or otherwise endorsed by the card issuer. Terms, offers, conditions and rates were correct at the time of writing but may have changed since and not been updated on this page. For up-to-date terms, offers, rates and conditions, please see the issuer’s site.

Consumer Reviews

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