The Banana Republic actually offers two cards.

The Banana Republic actually offers two cards. The BananaCard is comparatively easy to get; if your credit is outstanding, you would possibly qualify for the country Visa card. Both come with most of the same benefits. The Visa card, however, allows you to earn rewards at anywhere your Visa card is accepted. The BananaCard is only accepted at Gap stores.

Synchrony Bank (SYF) issues the country credit cards. Once referred to as GE Capital Retail Bank, Synchrony Bank is a component of General Electric’s financial arm. for job

In June 2014, the bank settled a case from the Consumer Financial Protection Bureau and the Department of Justice related to questionable business practices. the bank, however, had turned itself in; it wasn't the target of an investigation. 

 analysis Customer's  for Synchrony aren’t favorable, reporting confusing contract terms and disappointing customer service. All an equivalent, it’s hard to find reviews of any bank that are highly favorable.

The Card

Since country is owned by Gap (GPS), your cards are more Gap cards than simply country ones. Your purchases also count toward rewards if you patronize the Gap, Athleta, Old Navy and Piperlime. You'll get a $10 reward card for each $200 you spend at any Gap store or website. For any purchases outside of Gap stores, you receive one point for each $1 you spend if you qualified for the Visa card. Once you earning 1000 points, and you receive a $10 reward card for redemption at any Gap store. This gives the Visa card a wider reach and utility than the quality one-chain-store-only card.

When you check in for either card you earn 2,000 bonus points and 15% on your purchases that da

 best stores cards Other perks for both cards are standard with : Advanced notice of sales, offers for your birthday and, during this case, 10% at certain Gap stores each Tuesday.

If you spend a minimum of $800 during a single year on either card, you’re eligible to upgrade to Banana Republic's Luxe card, which earns you an additional 5% off free basic alterations and triple-points days  one day per week, . 

The late payment fee is up to $35 supported payment history, but there's no penalty APR. If you employ your Visa card outside of the us, expect to pay a third foreign transaction fee. (See How Foreign Transaction Fees Work.)

The Fine Print

 the Visa card 

e for is a hefty The annual percentage rat 23.99% –  24.99% for the BananaCard – but will vary based on the prime rate.l introductory rate that some cards offer  Don’t expect the specia. However, there is no annual fee. ash advances or foreign transaction The store card doesn’t allow cs. On the Visa, the fee for cash advances is $10 or 4%, whichever is greater, and an APR of 25.99% applies. 

The Bottom Line

Like most store cards, the offer is enticing, and it's the additional advantage of applying to all or any the stores within the Gap group. All the same, measure it against what you'd get from a daily cash back mastercard.

First, crunch some numbers. Before you amass $50 in rewards points, you've got to spend $1,000 in Gap stores. Compare that to what you'd get from a cash back mastercard. For more, see Find the highest Cash Back Credit Cards.

If you are doing spend enough at Gap stores to require advantage of this card, avoid carrying a balance. With an either 23.99% or 24.99% APR and a less-than-ideal rewards structure, any interest payments you create could wipe out any enjoy your rewards.

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