¹ 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 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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² The 0% introductory APR applies to purchases and is valid for the first 6 billing cycles. The 0% introductory APR applies to balance transfers made within 30 days of account opening and is valid for the first 6 billing cycles. The introductory rate does not apply to cash advances. Thereafter, the APR may vary and as of 3/16/2020, the undiscounted variable APR for Purchases and Balance Transfers is 14.49% - 23.49% (based on your creditworthiness). The variable APR for Cash Advances is 23.99%. 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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³ 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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