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.

• 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.

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.

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

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% .

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 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.