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Banana Republic Luxe Credit Card

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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.

Our rating
Min. credit level: Fair
Annual Fee: $0
Regular APR: 25.99% Variable

Banana Republic Luxe Credit Card

Our rating
Fair Min. credit level
$0 Annual Fee
Apply Now Read Our Review

Highlights & Features


  • 5X points per dollar spent on Banana Republic brands, in-store and online
  • 1X point per dollar spent on all other purchases
  • Earn 20% additional reward points at the end of each quarter

Balance Transfers

A balance transfer is a way to move debt from one 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
How to Transfer a Balance on a Credit Card


Penalty APR N/A
Late Fee Up to $40
Returned Payment Fee N/A
Additional Cards Annual Fee N/A
Foreign Transaction Fee 3%
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your 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
How to Get a Cash Advance with a Credit Card

Card Benefits

  • Zero Liability on Unauthorized Charges
Banana Republic Luxe Credit Card


  • Earn 5X points per dollar spent at Banana Republic brands, in-store and online
  • Earn 1X point per dollar spent on all other purchases
  • Earn 20% additional reward points at the end of each quarter
  • You get to choose your own sale day
  • Free 3-5 day shipping everyday
  • Free basic alterations at Banana Republic
  • Triple points shopping days; triple points on eligible purchases during select days throughout the year


Synchrony has several card types depending on your needs.

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-866-450-2335 or

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The 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 shippingfree basic alterations at Banana Republic, quarterly 20% bonus points, and more.

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