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 that ranges from 15.99% up to 24.99%.
• No annual fee*. This is a great option 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.
• Good or better credit required. You should probably try with another card if your credit score is below 700.

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. Polaris® Visa® Card reports to multiple credit bureaus.

Does not have introductory offer. Requires good to excellent credit. Does not offer a signup bonus. Does not offer rewards or cash back. Charges a foreign transaction fee of 3%. You don't earn rewards on every purchase. Charges a 3% balance transfer fee. Does not include many credit card benefits.

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%.

What are the fees for Polaris® Visa® Card?

The following fees apply to Polaris® Visa® Card:

Polaris® Visa® Card Fees

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

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.