Banana Republic Card

Approval Odds

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1.5 out of 5 stars
17 Reviews

From Cardholders in the last year

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Application Process

3.5 out of 5 stars

Customer Service

1.5 out of 5 stars

1.5 5

These reviews were written by current and former cardholders in the last year.

Mar 21, 2017
Horrible Card!!
Anonymous Cardholder

late fees of $25. I was charged $1 per month as interest for some unknown reason. Then they charged $25 late fee on it after 3 days. Calling Customer service but no help. Cancelling my card.

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Feb 15, 2017
will not negotiate the interest rate
joeyjustcuz Cardholder

I've had this card for years with a $7300 cl. I charge it alot and get tons of rewards credits (in excess of $1000 a year). I called to see if i could get the interest rate (25.24%) reduced and they consistently say they do not negotiate interest rates. my other cars are all around 14-15%.

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Feb 13, 2017
Not dependable.
Anonymous Cardholder

I am a luxe member .  We pay our balance in full every month.  Card is constantly declined.  You must call them to "unlock" your card.  Not worth the reward points.  

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Feb 08, 2017
Terrible. Do not get
Anonymous Cardholder

There are many reasons I will actively pursue rating this card with a bad review. If you prefer to use a mobile app to log on and view balance, pay bill, etc, this card is a big no-no. The app does not work 80% of the time, it will freeze on the log in screen after you input your username and password or it will show a message that the server is temporarily down. Additionally, any payments made take en excessive amount of time to reflect on the account and in your paying activity's account. I recently opened another credit line in order to leave Banana Republic's credit card.  Lastly, purchases made on the card are delayed showing in the balance. 

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Dec 12, 2016
Really no reason to get this card.
Anonymous Cardholder

Crazy high rates (25%+) and they lowered my limit from $10,000 to $1,000 without ANY communication. I see no reason why anyone would want or need this card.  I'm cancelling as soon as possible. 

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Oct 31, 2016
Horrible no customer service with fraud
Anonymous Cardholder

Zero assistance with fraudulent charges. Kept on hold indefinitely when reporting fraud charges. No resolution. Finance charges continuously added. AVOID!! You'll pay the fraud charges just to get rid of the ongoing annoyance with this card. 

So blatantly bad it seems the company may be in on the fraud. Worst ever!

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Oct 28, 2016
Very bad.
Anonymous Cardholder

The APR is too high.. Plus they tend to decrease your limit for no reason. for those who dont know about decreasing your limit. If your credit limit is decreased then your utilization is increases. This action would lower your credit score.

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Oct 25, 2016
madinma Cardholder

Decreased my credit limit from $1400.00 to $250.00 for no reason with a perfect payment history right as we are gettiing into the holiday season and I typically purchase all my kids things from here.  I will pay off the card and never shop there again.

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Oct 06, 2016
$25 late fee is extremely high
Anonymous Cardholder

I had this card for about six months and thought the reward program seemed good. Then I missed a $50 payment by a few days and got charged a $25 late fee! Obviously that cancels out any benefit to having the card. You are much better off finding coupons online then using this card for the discounts. That late fee is crazy high.

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Sep 16, 2016
Anonymous Cardholder

Lowered my credit limit for no reason

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Banana Republic Card