Full Review

You've got two options (sort of). There are two Banana Republic Credit Cards: The Banana Republic Visa 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 Visa, 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 Visa or the Banana Republic Store Card. The only extra thing the Visa gives you is the ability to make purchases anywhere Visa 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 (19.28%) and fair (23.43%),  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 Visa Credit Card nor the Banana Republic Store Card charges an annual fee does save you about $19.49 per year, compared to the average credit card.


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Banana Republic Credit Card Review

Sams Credit Card

The Sam’s Club Credit Card, issued by Synchrony Bank, is a basic store credit card for Sam’s Club members with a less-than-stellar credit profile. The Sam’s Club Credit Card can only be used at Sam’s Club and Walmart stores and doesn’t offer any rewards on purchases, so it’s mainly for borrowers who aren’t likely to qualify for a better credit card that can be used more broadly. If your credit is just fair (if you have a FICO score of 580 to 669) and you shop at Sam’s Club and Walmart frequently, this card can be a worthwhile financing tool, albeit with a steep interest rate.

Big Lots Credit Card

The Big Lots Credit Card is a good choice for frequent Big Lots shoppers who want the flexibility to pay for their purchases over time. If you can handle the deferred-interest financing deals properly, you can save a lot of money and gain the flexibility around paying your credit card bill. Most people, however, will be better off with a cash-back card that works anywhere and earns rewards of some kind. Try the CardCruncher tool to find the right card for you.

Surge Mastercard Credit Card

The Surge Mastercard® is one of the easiest credit cards to get if you have bad credit, but the card's annual and monthly fees may reduce its appeal. If you're considering the Surge Mastercard® to build credit, here's what you need to know before you submit your application.

Menards BIG Credit Card

Menards has been one of the leading stores for home improvements for over five decades now. Many people rely on this store for their home improvement needs where they spend thousands of dollars. The Menards Big Card is designed to help all the Menards loyalists to get more rewards from making their purchases in the store and a few other selected gas stations. The card offers different types of rewards from cash back to in-store financing making it a very valuable tool especially if you tend to do a lot of home improvement.

Stein Mart Credit Card

The Stein Mart Platinum Mastercard® offers additional savings on items that fly off the rack at the discount retailer's store.The card, issued by Synchrony Bank, earns rewards at the retailer online and in-store and everywhere that Mastercard is accepted. It also offers perks such as exclusive savings events, birthday surprises and the chance to earn even more rewards with Elite status. The card's annual fee is $0.

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How to Apply For Banana Republic Credit Card
OnlineSearch for the official websiteFollow the requirement and entry the needed messages.

Banana Republic Credit Card
The Banana Republic Card, issued by Synchrony Bank, might have you dressing sharp, but the rewards program is high maintenance. If you’re a diehard Banana Republic shopper willing to deal with the details, however, it could be worth carrying.
Banana Republic Credit Card

How to Get the Most Out of Banana Republic Credit Card
If you opt for this card, make sure to use it for any purchases within the Gap family of stores, and pay off the balance in full each month to avoid the high interest rate.That said, you may be better off with a general cash-back card if you have good credit. There are plenty of cards that offer up

The Rewards of Banana Republic Credit Card

RewardsSave 20% on your first online purchase at BananaRepublic.com or BananaRepublicFactory.com with your card.Earn 5 points for every $1 spent at Old Navy, Gap, Banana Republic, Athleta and Hill City; Earn 1 point for every $1 spent everywhere Visa® credit cards are accepted.Receive $5 Reward Car

Banana Republic Credit Card Payment
You can make a Banana Republic credit card payment online or from the MySynchrony mobile app. Simply log in, click the Make Payment button and follow the instructions.You can also pay your Banana Republic credit card bill by phone, but be aware that Synchrony may charge you a fee for making a phone