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  Polaris® Visa® Card

Polaris® Visa® Card

in Personal Credit Cards from US Bank

Unaffiliated

Polaris® Visa® Card

Unaffiliated

in Personal Credit Cards from US Bank

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Highlights
Purchase APR  (Variable APR) 15.99% - 24.99%
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 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.

Key Takeaways
  • 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.
  • Gas rewards.
  • Good or better credit required. You should probably try with another card if your credit score is below 700.
Polaris® Visa® Card Pros & Cons
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.
Polaris® Visa® Card FAQ

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.
Polaris® Visa® Card Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

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 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?

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 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.

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.

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
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
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
  • Experian
  • Equifax
  • TransUnion
Bonus Rewards 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
Cash Advance APR (Variable APR) Up to 25.99%
Purchase APR (Variable APR) 15.99% - 24.99%
Balance Transfer APR (Variable APR) 15.99% - 24.99%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Card Type
  • Store Card
  • Gas
Card Network Visa

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SUPERMONEY NET RECOMMENDATION SCORE

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