Quick answer: The Banana Republic credit card is issued by Barclays Bank Delaware, not Synchrony. Pay your bill or sign in at barclaycardus.com, or call 877-523-0478. If an older login or phone number has stopped working, that is because Gap Inc. moved its entire card programme to Barclays in May 2022.
Last verified: 10 September 2026. The issuer, the 877-523-0478 service number, the 500 points to $1 conversion and the Encore earning rates were checked against Barclays’ Banana Republic Encore card pages and Gap Inc.’s Encore programme pages on this date. Card terms are set by Barclays and Gap Inc. and can change without notice — confirm against your cardholder agreement before acting on anything here.
The Card Changed Banks — Start Here
Banana Republic is part of Gap Inc., alongside Gap, Old Navy and Athleta. In May 2022 Gap Inc. moved its whole credit card programme from Synchrony Bank to Barclays, after Synchrony had run it for around 22 years. Two things changed that still catch cardholders out:
- The network changed. The Synchrony-era cards were Visa. The Barclays cards run on Mastercard.
- The login and phone changed. Old Synchrony addresses and service numbers no longer reach the right place. Use barclaycardus.com and 877-523-0478.
In February 2026 Gap Inc. rebranded its loyalty programme as Encore, which renamed the cards and restructured the membership tiers. Everything below reflects the current arrangement.
Banana Republic Credit Card at a Glance
| Detail | What to know |
|---|---|
| Card issuer | Barclays Bank Delaware (since May 2022) |
| Payment network | Mastercard |
| Account portal | barclaycardus.com |
| Customer service | 877-523-0478 |
| Card options | Banana Republic Encore Mastercard, or the Encore Credit Card for store-only use |
| Points at Gap Inc. brands | 25 points per $1 for cardmembers |
| Points everywhere else | 5 points per $1 where Mastercard is accepted |
| Reward value | 500 points = $1 reward |
| Brands | Banana Republic, Banana Republic Factory, Gap, Gap Factory, Old Navy, Athleta |
How to Pay Your Banana Republic Credit Card Bill
Pay Online
- Go to barclaycardus.com and sign in.
- Select the payment option on your account dashboard.
- Choose the amount — minimum due, full statement balance or a custom figure.
- Select the bank account to pay from, confirm the date and submit.
- Keep the confirmation number until the payment posts.
Set Up Autopay
Scheduling the full statement balance is the most useful setting on the account: it prevents late fees, and because the balance clears each month it prevents interest entirely. On a retail card that matters more than any rewards rate.
Pay by Phone
Call 877-523-0478 and follow the automated prompts, with your card number and bank details ready. Ask about any assisted-payment fee if you are put through to an agent.
Pay by Mail
Send a cheque or money order — never cash — with your account number on it, to the remittance address printed on your current statement. Do not reuse an address from a Synchrony-era bill. Allow seven to ten days.
Pay in Store
You can pay at the register in any Gap Inc. store, including Banana Republic and Banana Republic Factory. Keep the receipt until the payment appears.
How to Log In to Your Banana Republic Card Account
Registering for Online Access
If you held the card before May 2022 and have not set up access since, you must register again — Synchrony-era credentials are not recognised.
- Go to barclaycardus.com and choose to register.
- Enter your card account number.
- Provide the details requested — typically date of birth, the last four digits of your Social Security number and your ZIP code.
- Create a username and password and set your security questions.
- Confirm your email address so statements and alerts reach you.
Signing In
- Open barclaycardus.com.
- Enter your username and password.
- Complete the one-time passcode step if prompted.
Login Problems and How to Fix Them
- Old credentials rejected: they belong to the retired Synchrony account. Register again on the Barclays portal. This is the most common cause by far.
- Forgot username or password: use the links beneath the sign-in form, then enter your account number and ZIP code, or your username, as prompted.
- Account locked: repeated failed attempts lock access and it cannot be reset from the login page. Call 877-523-0478 to have it unlocked.
- Page will not load: clear cache and cookies, try another browser, and switch off any VPN — banking portals routinely block VPN traffic.
The Two Card Options
| Feature | Encore Credit Card | Encore Mastercard |
|---|---|---|
| Where it works | Gap Inc. stores and websites only | Anywhere Mastercard is accepted |
| Points at Gap Inc. brands | 25 per $1 | 25 per $1 |
| Points on other spending | Not applicable | 5 per $1 |
| Reward value | 500 points = $1 | 500 points = $1 |
The store-only card is generally offered to applicants not approved for the Mastercard. Both share the same portal, service number and in-store earning rate.
Encore Points, Rewards and Gift Cards
| Points | Reward value |
|---|---|
| 500 points | $1 |
| 2,500 points | $5 |
| 5,000 points | $10 |
| 10,000 points | $20 |
The rate is a flat 500 points to $1, redeemable across the Gap Inc. brands. Cardmembers earn 25 points per $1 at those brands, so roughly $20 of spending produces a $1 reward — an effective return of about 5% in store.
Barclays is currently running an enhanced rate at other apparel retailers for cardmembers approved by 30 September 2026, applying through 31 December 2026, after which that category returns to a lower rate. Promotional rates like this are time-limited by design, so check the current offer terms rather than assuming the rate you signed up on is permanent.
Encore Membership Tiers
| Tier | How you reach it |
|---|---|
| Core | Free to join, no spending requirement |
| Premier | More than $350 annual spend across the Family of Brands |
| All-Access | Automatic for all cardmembers |
Holding the card places you in All-Access automatically, which is where the higher earning rates come from.
A Caveat Worth Stating
A 5% effective return only helps if you clear the balance in full each month. Retail cards carry high variable interest rates, and carrying a balance costs far more in interest than the rewards return. Our guides on paying bills with a credit card and improving your credit score cover the mechanics.
Make Sure You Are on the Real Login Page
- Type the address yourself. Reach barclaycardus.com from your own bookmark, never from a link in an email, text or advertisement.
- Treat “your card is being replaced” messages with suspicion. That was a genuine event for Gap Inc. cardholders in 2022, which makes it a convenient story for phishing now.
- Never share a one-time passcode, your full card number or your password with someone who contacted you.
- Avoid signing in on public Wi-Fi — see our guide on whether a Wi-Fi network is secure.
Customer Service
| What you need | Contact |
|---|---|
| Card servicing, payments, lost or stolen card | 877-523-0478 |
| Manage your account online | barclaycardus.com |
| Banana Republic shopping and orders | bananarepublic.gap.com |
Report a lost or stolen card immediately, at any hour — liability protection depends on prompt reporting.
Frequently Asked Questions
Who issues the Banana Republic credit card?
Barclays Bank Delaware. Barclays became the exclusive issuer of Gap Inc.’s card programme in May 2022, taking over from Synchrony Bank.
Where do I log in or pay?
At barclaycardus.com, or call 877-523-0478. Old Synchrony addresses no longer service this card.
Why does my old login not work?
Credentials created before May 2022 belong to the retired Synchrony account. Register again on the Barclays portal.
Is it a Visa or a Mastercard?
Mastercard. The Synchrony-era cards were Visa.
How many points make $1?
500 points equals $1. Cardmembers earn 25 points per $1 at Gap Inc. brands.
Can I use it at Gap, Old Navy or Athleta?
Yes. The Encore programme covers Banana Republic, Banana Republic Factory, Gap, Gap Factory, Old Navy and Athleta, and points pool across all six.
Conclusion
Two facts settle most Banana Republic card questions: it is issued by Barclays, and it is managed at barclaycardus.com on 877-523-0478. If you are still working from a Synchrony login or an old service number, both belong to a programme that ended in May 2022. Register once on the current portal, set autopay to the full statement balance, and remember that 500 points make $1.
Managing other cards in the same programme? See our guides to the Gap credit card and the Old Navy credit card, plus the TJ Maxx credit card.
Not the card you were looking for? Our store credit card login guide lists the issuing bank, login portal and customer service number for twelve major store cards in one table.
