Polaris® Visa® Card is no longer available to new customers on SuperMoney. Click here to compare and quickly find the best options for your needs.
Last Updated: 07/28/2025
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Polaris® Visa® Card
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in Credit Cards from U.S. Bank
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
14.49% - 23.49%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
15.99% - 24.99%(Verified 06/21/2024)
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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 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
- APRs: Polaris® Visa® Card has a variable regular 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.
- A 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 up to 3% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, identity theft protection, and fraud protection.
- Good or excellent credit required. You will have low approval odds if your credit score is below good.
Pros & Cons of Polaris® Visa® Card
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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.
| Description |
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?
Polaris® Visa® Card 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 for accounts that carry a balance (as of November 2024) is 22.80%. 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?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 4% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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 up to 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 customer service number for Polaris® Visa® Card 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 login page for Polaris® Visa® Card?
You can access the login page of Polaris® Visa® Card 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 to the following credit bureaus:
- 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 build your credit.
Does U.S. Bank perform a hard credit pull?
Yes, Polaris® Visa® Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Polaris® Visa® Card
- Visit the website of Polaris® Visa® Card.
- 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.
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Hours of Operation
Sunday
Closed
Monday
8:30AM - 5:30PM
Tuesday
8:30AM - 5:30PM
Wednesday
8:30AM - 5:30PM
Thursday
8:30AM - 5:30PM
Friday
8:30AM - 5:30PM
Saturday
Closed