Banana Republic Card Reviews

Approval Odds

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1.4 out of 5 stars
14 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.

Nov 12, 2017
Red Flags
RCFlor Cardholder

I've had this card for nearly a year. I was approved for $400 with my score barely at 600. I was thrilled! And over the past year I've had nothing but wonderful experiences with this card! I was sent lots of coupons and I used these rewards between Banana Republic and GAP and Old Navy and I have a 15 year old daughter so it worked out fine. All of a sudden this morning I look at Credit Karma and find out that my credit line has been decreased from $400 to $200. This happened without notification. I can't for the life of me figure out why. I recall that I paid off my balance just a couple of days ago and my balance now sits at 0. And now this is a new development. I can't tell if I'm being punished for paying off my balance or what the problem is. I have never had a late payment. I have never gone over my credit limit. And to top it off, if I took my daughter shopping next week I might have over spent without knowing that my available credit had been decreased!

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Oct 31, 2017
Great Rewards!
BB193 Cardholder

This is a great card if you shop at Banana, Gap, or Old Navy!! They give you 5% back, essentially $5 dollar rewards for every $100 you spend. You can use those rewards at either of those brands as well. Sometimes they will have windows of time were you can obtain double or triple points (triple if you are a Luxe member). They give you a free $15 reward if you sign up for paperless statements, and $15 reward on your birthday month. $30 reward the first time you use your Banana Visa outside the brand (ex: pumping gas or groceries). If you are a Luxe member they also give you an additional 20% of the points you earned 4 times a year! Luxe members also get free shipping online, and tailoring of items at the Banana retail stores. Best part yet..... No annual Fees!! 

I'm telling you this has been the best store card I have ever signed up for. I am only giving this 4 stars though because of the APR. 

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Aug 09, 2017
Horrible, just horrible.
noobtube5382 Cardholder

I paid my bills on time and I assumed it was like a regular credit card until random 25 late fees were issues each month. The kicker was, they said I owed nothing. I was told nothing and should not have been billed in the first place. I noticed because my credit was dropping and it came up on an alert. So, naturally, I tried to call them and explain the situation only to be met with the horror that I failed to be able to get a live person on their customer service line. I ended up just canceling the card, do yourselves a favor and never open a card with banana republic or it's affiliates.

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Jul 18, 2017
Scheming and scamming
Anonymous Cardholder

I had been paying my Banana Republic card via my online bank account, and requested ebills. Then I made some purchases during a day when I shopped at about 6 different stores. More than a month later, Banana Republic/Synchrony Bank contacts me BY MAIL and tells me they are unable to send me ebills because they do not have my correct email address. But they don't MAIL me my bill at this time. About a week later, I called them, as I was worried that I had not received a bill from them (I began to wonder if I had a bill at all).
First, it took FOREVER to get a live person on the phone. Next, I was told by customer service that I owed $145 and some change. I said I still needed to see a bill--I always review my purchases. I was told to log on to my Banana Republic account. Umm, no. No other company does that. I don't want an online BR account. 

When I pressed, I was told that there was a $27+ late charge on my card as well as a $3 interest charge. I said no--that is completely illegal to add those charges onto a bill that the customer has never received. The charges were immediately removed.  

I'm cutting up the card--and more than that, I'm not shopping at Banana Republic again. Shameful scheme to rip off customers. 

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Apr 24, 2017
****ing scam.
Anonymous Cardholder

37$ a month for late payments. It adds up especially when you don't remember ever making the first purchase on credit, and remember paying for your item in the store while opening a credit card. Never open new credit cards on a whim there are always debts attached.

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Apr 21, 2017
Worthless, literally!!
n184life Cardholder

I had this card, and had become a Luxe member, for 2 years with a 720+ credit score and yes I couldn't get them to increase my limit past $5,000.00 even though I have a perfect payment record and I make a decent wage.  It started out nicely in 2015 with $2,500 and they accepted increases 2 times in those 2 years.  Since then, nothing...  The rewards are so not worth it and you are better off getting a cash back card and shopping with 40% off coupons or during the holidays!!!  I canceled my card 2 weeks ago and have no regrets.  Oh, except they killed off the final $35.00 I had in rewards which I thought I could use.  I even read through the online rewards policy and it said nothing about losing rewards by not having the card!  I truly regret sticking with this card for so long when I could have an additional 2 years on a better and more worthwhile card!!  Highly disappointed and I recommend for everyone considering it to look elsewhere!

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Apr 20, 2017
Lies to Customers
Anonymous Cardholder

I've had the Banana Republic Luxe card for two years i've never missed a payment and this month I ran into some financial issues and I was unable to pay on time. I called synchrony bank customer service spoke with the representative and told them when I could pay the card they said it was fine and I would not receive a late fee and my card would not be closed. I got a letter in the mail today stating that my account has been closed due to a late payment which is the first late payment I have ever had with banana republic. This isn't the first time they have close my account they close my account for months ago when they messed up processing my payment. It's took me four days to get my account reinstated at this point I'm not even going to argue it again because it is such a hassle in the customer service is terrible I kept getting hung up on for four days straight and no one could help me. 

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Apr 03, 2017
Bad Business
dwarner920 Cardholder

I had this card as well as Gap & Old Navy. I never miss a payment and have paid in full multiple times. This company has no appreciation for loayl customers. As a reward for my timely paymnet history and continued business, they first lowered all three account limits as a result of an annual credit review they use to screen already open accounts. Last month I paid all of my accounts off and this month they cancelled the banana repulic card stating that the annual review of my credit report showed a high credit usage. First of all, I am an educated and capable indicidual. I know exactly how much credit I have and how much of it is used. My payments on every single account that I have are always on time and often paid in full. The fact that they take no consideration of your history on thier accounts and jusge you only by what they think they see on a credit report is appalling. Great way to loose customers! 

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Mar 31, 2017
APR so much higher than other cards.
mb2notary Cardholder

Like others I enjoyed this card when i first got it, but even though my credit line is $8,000 and I have always made my payments *and* have had a zero balance for some time, they will not budge on the 25.49% APR. It wasn't always that high, but at some point they pulled the ol' switcheroo. Anyway, they have declined to lower my APR to what other cards charge me - 10-15% and they certainly aren't nice about it. I only keep the card now for two reasons. The available $8000 is good for my credit score and if there is a deal for cardholders at Banana Republic, I can use it and pay it off immediately. But I look forward to the day I can scrap this card.  

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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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