Polaris® Visa® Card
in Personal Credit Cards from US Bank
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| Balance Transfer APR (Variable APR) | 15.99% - 24.99% |
| Credit Score Range | 700 - 850 |
| Annual Fee | $0 |
| Purchase APR (Variable APR) | 15.99% - 24.99% |
Polaris® Visa® Card Review
Polaris® Visa® Card is a store credit card issued by US Bank. If you're wondering whether Polaris® Visa® Card is the right card for you, read on. This is everything you need to know to make a good choice.
- Competitive APRs. Polaris® Visa® Card has a variable purchase APR of up to 24.99%.
- No annual fee. This is a great options for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
- 3% Balance transfer fee. Polaris® Visa® Card charges a fee of up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $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.
- Good or better credit required. You should probably try with another card if your credit score is below 700.
| The Good | The Bad |
|---|---|
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Is there a Polaris® Visa® Card cash back or rewards program?
No, Polaris® Visa® Card does not offer a rewards program.
What are the relevant APRs for Polaris® Visa® Card?
According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Polaris® Visa® Card has lower than average purchase APRs.Polaris® Visa® Card has a variable purchase APR that ranges from 15.99% up to 24.99%. The card has a variable balance transfer APR that ranges from 15.99% up to 24.99%. The card has a variable cash advance APR of up to 25.99%.
Does Polaris® Visa® Card have an introductory APR offer on balance transfers?
No, Polaris® Visa® Card does not come with an introductory APR offer for balance transfers.Does Polaris® Visa® Card have an introductory APR offer on new purchases??
Polaris® Visa® Card does not offer an introductory rate on new purchases.| Description | |
|---|---|
| Introductory Rate | N/A |
| Purchase Intro APR Period (months) | N/A |
What are the Polaris® Visa® Card fees?
The following fees apply to Polaris® Visa® Card:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% |
| Returned Payment Fee | $35 |
| Late Payment Fee | up to $39 |
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 a foreign transaction fee.Does Polaris® Visa® Card report your account activity to credit bureaus?
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 can help improve your credit score.
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 you're denied click here to find out why your application may have been rejected and what you can do about it.
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.
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Contact
- Headquarters
-
800 Nicollet Mall
Minneapolis, MN 55402 - Visit Site
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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% |
| Foreign Currency Transaction Fee | 3% |
| Returned Payment Fee | $35 |
| Late Fee Amount | Up to $39 |
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17.49%
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24.49%
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Starting
Purchase APR
24.49%
Starting
Balance Transfer APR
24.49%
Credit Score Range
300 - 640
Annual Fee
$25
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24.49%
Balance Transfer APR
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(Variable APR)
Credit Score Range
700 - 850
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$0
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15.49% - 25.99%
(Variable APR)
Balance Transfer APR
15.74% - 25.74%
(Variable APR)
Credit Score Range
700 - 850
Annual Fee
$49
Purchase APR
15.74% - 25.74%
(Variable APR)
Balance Transfer APR
15.74% - 25.74%
(Variable APR)
Credit Score Range
680 - 850
Annual Fee
$0
Purchase APR
15.74% - 25.74%
(Variable APR)
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15.74% - 25.74%
(Variable APR)
Credit Score Range
680 - 850
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$85
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15.74% - 25.74%
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Balance Transfer APR
14.49% - 21.49%
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Credit Score Range
640 - 850
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14.49% - 21.49%
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14.49% - 24.49%
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Credit Score Range
700 - 850
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$80
Purchase APR
14.49% - 24.49%
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Balance Transfer APR
17.74%
Credit Score Range
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Annual Fee
$50
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Purchase APR
17.74%
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14.49% - 21.49%
(Variable APR)
Credit Score Range
700 - 850
Annual Fee
$80
Purchase APR
14.49% - 21.49%
(Variable APR)
Balance Transfer APR
14.49% - 21.49%
(Variable APR)
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700 - 850
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Purchase APR
14.49% - 21.49%
(Variable APR)
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20.74%
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Purchase APR
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Purchase APR
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(Variable APR)
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