So the question is, is this a good Manufactured Edition (MS) card? Anytime you can get 6X, even if it’s just good at clothes, you should probably take a closer look. My perspective on the pros and cons is as follows.


Common Questions

Is there an annual fee associated with the Banana Republic credit card?

However, keep in mind that you don’t just have to worry about annual fees. Don’t forget to check for fees and penalties like APRs, late payment fees, cash advance fees, and foreign transaction fees. For more information on Banana Republic’s specific credit card fees, see our Fees and Cons section above.

Does Banana Republic’s credit card make sense?

It depends on your consumption behavior. The Banana Republic credit card is probably worth it if you spend a lot on clothes, especially the Banana Republic and Gap Inc. family of brands, then yes, the Banana Republic credit card is probably worth it. When it comes to clothing or you want to diversify your wardrobe across several different brands, there are probably better cards for you.

Banana Republic credit cards are issued by whom?

Barclays issues the Banana Republic credit card. It does this in partnership with Gap Inc., which also offers Gap and Old Navy credit cards, also issued by Barclays. All of these cards can be used within the Gap Inc. and they work the same way. Between June 17, 2022 and June 17, 2023, Synchrony Bank issued these cards.

What are the relevant APRs for the Banana Republic credit card?

Federal Reserve Board statistics show that the average APR is 15% for all credit cards and 17% for prepaid accounts. This card has regular above-average APRs.

There is a variable APR of 27.49% on the Banana Republic Visa card. Cash advances are also subject to a variable APR of 28.49%.