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Polaris® Visa® Card
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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
Polaris® Visa® Card is no longer available to new customers on SuperMoney. Click here to compare Credit Cards and quickly find the best options for your needs. |
This is a store rewards card issued by U.S. Bank. If you're wondering whether Polaris® Visa® Card is the right card for you, read on.
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 $5.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
- Gas rewards. 2x points on eligible fuel purchases.
- Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, identity theft protection, and fraud protection.
- Good or better credit required. You will have low approval odds if your credit score is below 700.
Pros & Cons of Polaris® Visa® Card
The Good | The Bad |
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Polaris® Visa® Card FAQ
Does Polaris® Visa® Card have a cash back or rewards program?
Polaris® Visa® Card is a rewards card.
Minimum rewards rate | 1x |
Max rewards rate | 2x |
Annual rewards limit | N/A |
Signup Bonus ($) | 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. This card has lower than average regular APRs.Polaris® Visa® Card 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:
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.
What is the Polaris® Visa® Card login page?
You can access the Polaris® Visa® Card login page here.
How do people rate the customer service and user experience of Polaris® Visa® Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
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.
Contact
- Headquarters
-
800 Nicollet Mall
Minneapolis, MN 55402 USA - (800) 872-2657
- Visit Site
- Email Support
Other Services by U.S. Bank
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- 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
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
Cash Advance Fee Minimum | $5 |
Cash Advance Fee (%) | Up to 4% |
Minimum Cash Advance Fee ($) | Starting at $5 |
Foreign Currency Transaction Fee | 3% |
No Annual Fee | |
Annual Fee | $0 |
Returned Payment Fee | $35 |
Late Fee Amount | Up to $39 |
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