Polaris Visa CardPolaris® Visa® Card Benefits

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Exclusive rewards

For every $1 of eligible net purchases1 on your card, you'll earn:

  • 2 Points at Polaris Dealerships1
  • 2 Points at Gas Stations1
  • 1 Point on other everyday purchases1

Turn your points into Polaris Cash.2 Once you have earned 2,500 points, you can redeem them for $25 in Polaris Cash, which can be used at Polaris Dealerships.

Plus, Get started with 0% Intro APR3 on purchases for 12 billing cycles. After that, a variable APR currently 14.99% to 23.99%3. Use your Polaris Visa Card for anything at your dealership – even service – and earn Polaris Cash!

Additional benefits

  • Zero Fraud Liability4
  • Fraud Protection
  • Roadside Dispatch5
  • Auto Rental Collision Damage Waiver5
  • Online Banking
  • Automatic Bill Pay
  • Lost/Stolen Card Reporting5
  • Cardholder Inquiry Service5
  • Emergency Cash & Card Replacement5

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We may change APRs, fees and other Account terms in the future based on your experience with U.S. Bank National Association and its affiliates as provided under the Cardmember Agreement and applicable law.

The creditor and issuer of this card is U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc.

©2017 U.S. Bank National Association. All rights reserved.

Learn more about the Polaris Visa card Rewards Program Terms and Conditions (PDF).6

View Terms and Conditions.


1 Net purchases are purchases minus credits and returns. Account must be open and in good standing to earn and redeem rewards and benefits. Upon approval, please refer to your Cardmember Agreement for additional information. As U.S. Bank cannot control how merchants choose to classify transactions, U.S. Bank cannot guarantee that a transaction will qualify. Additional points categories are subject to change. Upon approval, full details will be provided in your Cardmember Agreement. U.S. Bank does not control which Polaris dealerships participate in the Polaris Visa Rewards program or accept Polaris Cash certificates earned through card use. Ask the Polaris dealership before a purchase is made to verify participation in the earning of the 2 points per dollar of Net Purchases at Polaris dealerships versus earning of 1 point per dollar of Net Purchases. Points will not be awarded for balance transfers, cash advances, other Account advances and other non-purchase transactions as defined in the Polaris Visa Cardmember Agreement.
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2 Account must be open and in good standing to earn and redeem rewards and benefits. Upon approval, please refer to your Cardmember Agreement for additional information. Polaris points that are not redeemed expire 3 years from the date earned on December 31 of the expiration year, and Polaris Cash certificates expire 180 days after they are issued. Call Cardmember Service at 1-877-828-4726 to request your Polaris Cash certificate(s). Allow three to four weeks for delivery of your Polaris Cash certificate(s). Polaris Cash certificates can be used at any participating, authorized Polaris dealerships in the United States. Ask the Polaris dealership before a Polaris Cash certificate is redeemed to verify participation in the Program.
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3 The 0% APR applies to purchases and is valid for the first 12 billing cycles. The introductory rate does not apply to balance transfers or cash advances. Thereafter, the APR may vary and as of 07/01/17, the undiscounted variable APR for Purchases is 14.99% - 23.99% (based on your creditworthiness). The variable APR for Cash Advances is 24.99%. Cash Advance fee: 4% of each advance amount, $10 minimum. Convenience Check fee: 3% of each check amount, $5 minimum. Cash Equivalent fee: 4% of each cash amount, $10 minimum. Balance Transfer fee: 3% of each transfer amount, $5 minimum. There is a $2 minimum interest charge where interest is due. The annual fee is $0. Foreign Transaction fee: 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars. 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency. We apply your minimum payment to balances with lower APRs first, including promotional APRs. Amounts paid over the minimum payment will be applied in the order of highest to lowest APR balances.
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4 U.S. Bank provides zero fraud liability for unauthorized transactions. Cardholder must notify U.S. Bank promptly of any unauthorized use. Certain conditions and limitations may apply.
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5 Certain terms, conditions and exclusions apply. Refer to your Visa card "Guide to Benefits" for details.
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6 Adobe Reader Version 4.0 or higher is required to view PDFs.
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