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  Polaris® Visa® Card

Polaris® Visa® Card

in Personal Credit Cards from US Bank

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Polaris® Visa® Card

Unaffiliated

in Personal Credit Cards from US Bank

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Highlights
Purchase APR  (Variable APR) 14.49% - 23.49%
Balance Transfer APR  (Variable APR) 15.99% - 24.99%
Credit Score Range 700 - 850
Annual Fee $0

Polaris® Visa® Card Review

This is a store rewards credit card issued by US Bank. If you're wondering whether Polaris® Visa® Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Competitive APRs. Polaris® Visa® Card has a variable purchase APR that ranges from 14.49% up to 23.49%.
  • No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
  • 3% Balance transfer fee. Polaris® Visa® Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
  • Gas rewards. 2x points on eligible gas purchases.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, identity theft protection, and fraud protection.
  • Good or better credit required. You will have low approval odds if your credit score is below 700.
Pros & Cons of Polaris® Visa® Card
The Good The Bad
  • For every $1 of eligible net purchases on your card, you’ll earn: - 2 Points at Polaris Dealerships - 2 Points at Gas Stations - 1 Point on other everyday purchases
  • Once you have earned 2,500 points, you can redeem them for $25 in Polaris Cash, which can be used at participating Polaris dealerships.
  • Get started with 0% intro APR on purchases and balance transfers for 6 billing cycles. After that, a variable APR, currently 15.99% - 24.99%.
  • Lower than average purchase APRs.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Identity Theft Protection.
  • Cardholders can earn rewards on their purchases.
  • Polaris® Visa® Card reports to multiple credit bureaus.
  • Does not have introductory offer.
  • Requires good to excellent credit.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 3%.
  • Charges a 3% balance transfer fee.
Polaris® Visa® Card FAQ

Does Polaris® Visa® Card have a cash back or rewards program?

Polaris® Visa® Card is a rewards card.

Polaris® Visa® Card Rewards
Minimum rewards rate 1x
Max rewards rate 2x
Annual rewards limit N/A

Does Polaris® Visa® Card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Polaris® Visa® Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Polaris® Visa® Card benefits?

It provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Polaris® Visa® Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 14.49% up to 23.49%. The card has a variable balance transfer APR that ranges from 15.99% up to 24.99%. It also has a variable cash advance APR of 23.99% .

Does Polaris® Visa® Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Polaris® Visa® Card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Polaris® Visa® Card?

The following fees apply:

Polaris® Visa® Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 3%
Returned Payment Fee $35
Late Payment Fee up to $39

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

Does Polaris® Visa® Card have a foreign transaction fee?

Polaris® Visa® Card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.

What is the customer service phone number for Polaris® Visa® Card?

The Polaris® Visa® Card customer service number is (800) 872-2657.

What is the support contact email for Polaris® Visa® Card?

The support contact email for Polaris® Visa® Card is customer.support@usbank.com.

Does Polaris® Visa® Card report your account activity to credit bureaus?

Yes, Polaris® Visa® Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Polaris® Visa® Card

  • Visit the Polaris® Visa® Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 8:30am - 5:30pm
  • Tuesday 8:30am - 5:30pm
  • Wednesday 8:30am - 5:30pm
  • Thursday 8:30am - 5:30pm
  • Friday 8:30am - 5:30pm
  • Saturday Closed

Other Services by US Bank

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Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

No Annual Fee
Annual Fee $0
Cash Advance Fee Minimum $5
Cash Advance Fee (%) Up to 4%
Minimum Cash Advance Fee ($) Starting at $5
Foreign Currency Transaction Fee 3%
Returned Payment Fee $35
Late Fee Amount Up to $39
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 850
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Fraud Liability
Rewards Categories
  • 2x Points on Gas
  • 1x Point on Every Purchase
  • 2x Points on In-Store Eligible Purchases
Cash Advance APR (Variable APR) 23.99%
Balance Computation Average daily balance (including new purchases).
Purchase APR (Variable APR) 14.49% - 23.49%
Balance Transfer APR (Variable APR) 15.99% - 24.99%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Card Type
  • Rewards
  • Store Card
  • Gas
Card Network Visa

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