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The Banana Republic Luxe Credit Card is the upgraded version of the Banana Republic store card. It features improved perks for Banana Republic shoppers, like free 3–5 day shipping, 20% bonus points each quarter, and a choose-your-own-sale day. It earns 1X point per dollar outside of Banana Republic and its affiliates, and can be used anywhere Visa is accepted.
A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.
Intro Balance Transfer APR | N/A |
Regular Balance Transfer APR | N/A |
Balance Transfer Fee | N/A |
Penalty APR | N/A |
Late Fee | Up to $40 |
Returned Payment Fee | N/A |
Additional Cards Annual Fee | N/A |
Foreign Transaction Fee | 3% |
Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.
Cash Advance APR | 26.99% Variable |
Cash Advance Fee | 5%, $10 minimum |
Synchrony has several card types depending on your needs.
You can usually pay your bill online on your
Credit card issuer's websiteThe Banana Republic Luxe Credit Card includes all the same benefits as the Banana Republic Visa Credit Card (Review) and the Banana Republic Card (Review), but with a few upgrades.
In order to get this card, you need to have the Banana Republic Credit Card or Visa card and earn 5,000 points in one year, and every year after in order to maintain Luxe status.
Perks include everyday free shipping, free basic alterations at Banana Republic, quarterly 20% bonus points, and more.