Banana Republic Card: Available For International Students?

Banana Republic offers several credit cards with rewards and perks for frequent shoppers. The Banana Republic Rewards Mastercard® Credit Card is issued by Barclays and can be used anywhere Mastercard is accepted. The card offers 5 points for every $1 spent on Gap Inc. brands, including Gap, Old Navy, and Athleta. Banana Republic also offers a store-only credit card and the Banana Republic Luxe Visa card, which is the upgraded version of the Banana Republic Visa card. While the application process for the Banana Republic Credit Card can be started online, applicants need a Social Security number and a good credit score of 700 or higher to be approved. So, can international students apply for a Banana Republic card?

Banana Republic Rewards Mastercard® Credit Card

The Banana Republic Rewards Mastercard® Credit Card is issued by Barclays Bank Delaware. It is a store-branded credit card that earns store rewards and offers perks to cardholders. The card has a $0 annual fee and can be used anywhere Mastercard is accepted.

The Banana Republic Rewards Mastercard® Credit Card offers new cardholders a 20% discount on their first purchase. This discount is subject to credit approval and the new credit card must be used as the sole payment type. The discount code expires at 11:59 pm PT fourteen days from the date of account opening.

Cardholders can earn 5 points for every $1 spent on Gap Inc. brands, in-store and online. These points are worth 1 cent each and can be used as in-store currency. Points cannot be redeemed for cash. Cardholders also receive free shipping on purchases of $50 or more.

The Banana Republic Rewards Mastercard® Credit Card does not offer an introductory interest-free period on purchases. The ongoing APR is 33.99% Variable APR, which is higher than the average rate on credit card accounts that incur interest. Therefore, this card is not ideal for carrying an ongoing balance.

To apply for the Banana Republic Rewards Mastercard® Credit Card, individuals can apply online through the Barclays website, by phone, or in-store at a local Banana Republic store. A good credit score of 700+ is required for high approval odds. Applying for the card triggers a hard inquiry, which may temporarily hurt the applicant's credit score.

Application process

The Banana Republic card is issued by Barclays Bank Delaware. The Banana Republic Rewards Mastercard® Credit Card is a co-branded card that can be used anywhere Mastercard is accepted. The card rewards you for shopping at Banana Republic and its sister brands under the Gap Inc. umbrella, including Gap, Old Navy, and Athleta.

• Online application: The easiest and fastest way to apply for the Banana Republic card is by applying online. You can access the online application by clicking the “Learn More” button on WalletHub or by visiting the Barclays website. You will need to fill in your personal and financial information.
• Application by phone: You can also apply by calling 1 (866) 582-0286 and following the prompts to get connected with a customer service representative. They will guide you through the application process.
• In-store application: You can visit a local Banana Republic store and inform a representative that you would like to apply for the Banana Republic card.
• Credit approval and submission: Regardless of the application method, the application process will include a credit approval step. Banana Republic requires a good credit score (typically 700+) for high approval odds. Barclays will do a hard pull of your credit report to evaluate your qualification for the card. Double-check to ensure that your application is complete and all the information provided is accurate before submission.
• Await decision: Once you have submitted your application, you may receive a decision immediately. However, it can take Barclays up to two weeks to make a decision.
• Receive the card: If your application is approved, you will receive your new Banana Republic card in the mail within 7-10 business days.

Please note that the application process may be subject to change, and it is always a good idea to review the Terms and Conditions and check for the most current information on the Barclays website. Additionally, ensure that you meet the eligibility criteria, as the application process may vary for different card types, such as the Banana Republic Luxe card, which requires you to already hold a current Banana Republic Card or Banana Republic Visa.

Eligibility criteria

To apply for the Banana Republic Credit Card, you must be eligible for the requirements. The Banana Republic Credit Card is issued by Barclays Bank Delaware, and the eligibility criteria are as follows:

• You must have a good credit score, typically a score of 700 or higher, to qualify. A higher credit score improves your chances of approval.
• You will need to provide personal and financial information during the application process. This includes basic information such as your name, date of birth, address, and contact details. Financial information, such as your income, employment status, and sources of income, may also be required.
• You must be a resident of the United States, as the card is currently only available in the US (including Puerto Rico).
• You should be at least 18 years old, as this is the minimum age requirement to enter into a legally binding contract in the US.
• You will need a Social Security number, which is typically required for credit card applications in the US.
• You should not have any recent bankruptcies or delinquencies on your credit report, as these may negatively impact your application.
• You should not have any existing accounts in the Banana Republic rewards program, as previous or current participation in the program may affect your eligibility for the introductory offer.

It is important to note that meeting these criteria does not guarantee approval for the Banana Republic Credit Card, as the issuer may have additional internal criteria that are not disclosed to the public. Therefore, it is recommended to review the terms and conditions provided by Barclays and the Banana Republic rewards program for the most up-to-date and comprehensive information regarding eligibility requirements.

Perks and benefits

The Banana Republic Rewards Mastercard® Credit Card offers several perks and benefits to its cardholders. Here are some of the key features:

• First Purchase Discount: New cardholders can enjoy a 20% discount on their first purchase within 14 days of account opening. This offer is subject to credit approval and cannot be combined with other discounts.
• Rewards Program: Cardholders can earn points on their purchases, with 5 points for every $1 spent on Gap Inc. brands (including Gap, Banana Republic, Old Navy, and Athleta) and 1 point for every $1 spent outside of Gap brands. These points can be redeemed for rewards, and each 500 points is worth a $5 reward.
• Free Shipping: Eligible program members receive free shipping on online orders of $50 or more. Icon members receive free 2-3 day shipping on orders of $50 or greater.
• Exclusive Offers: Cardholders may have access to exclusive offers and promotions, such as additional discounts or bonus points.
• Donate to Charities: Eligible program members can convert their rewards into donations to select charities through the rewards program.
• Mobile Wallet: Cardholders can use their mobile wallet (Apple Pay, Samsung Pay, Google Pay) to make in-store purchases and earn rewards.
• Luxe Status: Cardholders who earn 5,000 reward points within a calendar year and make the minimum payment by the due date can achieve Banana Republic Luxe status, which offers additional perks and benefits.
• Visa Benefits: The Banana Republic Luxe Visa card offers even more benefits, including the ability to earn 1 point for every $1 spent anywhere Visa is accepted and 20% bonus points each quarter. Visa cardholders are also entitled to the standard benefits that come with all Visa credit cards.

The Banana Republic Rewards Mastercard® Credit Card provides a range of perks and benefits that can enhance the shopping experience for loyal customers of Banana Republic and its sister brands under the Gap Inc. umbrella.

Luxe status upgrade

Banana Republic has a two-tiered credit card system, with the Banana Republic Luxe card being the upgraded version of the Banana Republic Visa card. The Luxe card is not available to new applicants and can only be obtained by upgrading from the basic Banana Republic Card or Banana Republic Visa.

To upgrade to Luxe status, you must earn 5,000 reward points (excluding bonus points and returns) within a calendar year and make the minimum payment by the due date after reaching the 5,000 points. Banana Republic Luxe cardholders must re-qualify each calendar year to maintain their status.

The Banana Republic Luxe Visa card can be used anywhere Visa is accepted and offers the following benefits:

• 1 point for every $1 spent anywhere Visa is accepted
• 20% bonus points each quarter
• One-time bonus of 500 points for enrolling in paperless statements via the online portal
• One-time bonus of 500 points for signing up for emails from Gap Inc. brands
• 1 point for every $1 spent at Gap Inc. brands
• 5 points for every $1 spent as a cardmember across the Gap Inc. family of brands (Gap, Banana Republic, Old Navy, Athleta)

Frequently asked questions