Shopping at the Banana Republic requires you to have a store credit card. You will be informed of its availability at the sign out counter and online advertisement. The credit card comes with discounts for purchases made every day.
The Banana Republic provides two different credit cards that come with exciting benefits which are The Banana Republic Store Credit Card and the Banana Republic Visa Credit Card.
All Banana Republic customers must first of all use both store credit card and visa credit card before having access to Luxe Credit Card which offers 5,000 points to be earned in a year.
New customers enjoyed a 20% off first purchase using Banana Republic store credit card. These cards exclusively can be used at the Gap, Old Navy.
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Key Takeaways
- Store Credit Card and Visa Credit Card are the two Cards used by the Banana Republic.
- Store Credit Card can be used at the Banana Republic and any Gap Inc. Old Navy etc
- Synchrony Bank is based in Stamford. Connecticut is a partner of the Banana Republic that offer revolving credit services.
- Every credit card earns five points for every $1 spent at Gap Inc why for every 500 points earned a reward of $5.
- Synchrony Bank is the issuer of Banana Republic credit cards.
The store credit cards offered by Banana Republic is different from other credit general use credit cards that come with logo of the financial institution (i.e. Visa or Mastercard).
This store credit card is branded as “private label” and “closed-loop” cards and can be accepted by merchants that partner with the Banana Republic except for the Shell’s Fuel Rewards Card.
Rewards and Benefits
Store Credit Cardholders can redeem their rewards and benefits accruing from shopping any Gap Incorporated brand such as (Gap, Old Navy, Athleta or the Banana Republic).
Also at Banana Republic Store Credit Card, customers can earn five points for every $1 spent at Gap Inc. brands, and a $5 reward for every 500 points earned while special master member only can benefit from private sales, early access to special events and a surprise birthday gift.
In addition to the stated benefit is exclusively for Luxe Credit Cardholders who are entitled to receive free three to five-day shipping on any Gap Inc.
Online order with 20% bonus points each quarter, free basic alterations on purchases and a privilege to Choose Your Own Sale Day.
Where to Get the Banana Republic Store Credit Card
This can be done by applying online.
What type of credit serves as a prerequisite for the Banana Republic Store Credit Card
Just like any other store credit cards, the credit needed to qualify for the Banana Republic Store Credit Card is reasonable.
Where to Use Banana Republic Store Credit
All cards issued by the Banana Republic can be used for purchases at every Gap Inc. brands (Banana Republic, Gap, Old Navy and Athleta) both in-store and online.
Banana Republic operates a private label credit cards (Store Credit Card and Luxe Credit Card) which offer moderate and unconditional terms to customers while shopping at Gap Inc retails.
Other Option to Banana Republic Store Credit Card
Both store cards and Visa card are used for shopping at Gap Inc. while visa card can be used at other visa point of operation so other related offers are attached that come with promotions and earnings of five points per $1 spent at Gap Inc stores.
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The Terms and Conditions
In every operation, either by law or gentleman agreement, there exist terms and conditions that serve as a guiding principle.
As a financial institution, the law requires detailed and verifiable record information of every account holder. This has to do with Bio-data as well as a valid means of identification such as a drivers license, travelling document. The aim of this is to authenticate the applicant.
The Banana Republic has an Annual Percentage Rate of 25.99%. Considering your due date at least of 23days after the close of each billing cycle, you will then be charged any interest if your entire balance is paid by the due date of every month.
While the late penalty fee is up to $40 with zero annual fees charged for the card. At every cash advances, you have a $10 transaction fee or 5% of the amount of each advance.
- Annual Percentage Yield (APR) 25.99%
- Late fee up to $40
- Annual fee: $0
- Transaction fee for cash advances: $10 or 5% of the amount of each cash advance (whichever is greater)
Who can use Banana Republic Card
There is a great deal shopping with A Banana Republic Store Credit Card or at any other Gap Inc. brand considering a full packed special discounts and benefits that it has.
By and large, it is more advantageous to shop at Banana Republic using Visa Credit Card. This guarantees you to earn better rewards and gain access to a larger credit line.
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The Bottom Line
The fact is, at Banana Republic store credit card offer you more rewarding benefits such applying to all the stores in the Gap group.
Also if your spending is higher at any Gap stores, take advantage of this card and avoid carrying a balance or else any interest payments you make could wipe out any benefits from your rewards.
Questions many often asked (FAQs)
How Do I Get a Banana Republic Luxe Card?
Cardholders that earn at least 5,000 points in a year will be upgraded to a Banana Republic Luxe Credit Card account that may allow them to multiple additional benefits.
How Do I Pay My Banana Republic Store Credit Card?
All you need to do is to call the number on the back of your credit card and follow the automated directions. Ensure you have your credit card close to verify your account information.
You can mail a check or money order to pay your Banana Republic store credit card payment. Finally, set up your account on the credit card servicing website where you can make payments and manage your Banana Republic Store Credit Card online.
What Bank Is Banana Republic Store Credit Card?
In a simple form, A synchrony Bank issues the Banana Republic credit cards.
