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Polaris® Visa® Card

  • Regular Purchase APR 15.49% to 24.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 15.49% to 24.49% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.49% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Good
  • Processing Network Visa
Best Benefits
  • ◉  For every $1 of net eligible purchases on the card, you'll earn: 2 points at Polaris dealerships, 2 points at gas stations, and 1 point everywhere else Visa is accepted
  • ◉   Once you have earned 2,500 points, you can redeem them for $25 in Polaris
  • ◉   0% intro APR on purchases and balance transfers for the first 6 months
Rates & Fees
  •  Regular Purchase APR: 15.49% to 24.49% variable based on creditworthiness and the Prime Rate
  •  Balance Transfer APR: 15.49% to 24.49% variable based on creditworthiness and the Prime Rate
  •  Balance Transfer Transaction Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater
  •  Cash Advance APR: 25.49% variable based on the Prime Rate
  •  Cash Advance Transaction Fee: Either 4% of the amount of each advance or $5 minimum, whichever is greater
  •  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
  • Late Payment Penalty Fee: Up to $39
  •  Return Payment Penalty Fee: Up to $35
  •  Credit Needed: Good


At a Glance

Enthusiasts of ATVs, motorcycles, and utility vehicles from Polaris will some value in the Polaris Visa Credit Card with its rewards program. The Polaris Visa Card allows Polaris aficionados to earn points that can be applied towards the purchase of Polaris products and vehicles, as well as for all other purchases.

Ideal for Those Who:

  • Want to purchase a vehicle from Polaris
  • Are a fan of off-road vehicles
  • Want to earn points for all purchases you make with your credit card
  • Like the idea of earning double points on gas purchases

The Polaris Visa Card Review:

The Polaris Visa Card is an auto rewards credit card geared towards the ATV and off-road enthusiasts out there. The card earns points on everyday purchases – points which then turn into Polaris Cash, applicable towards purchases at most Polaris dealerships across the United States.

The Polaris Card earns double points (two points for every dollar spent) on net purchases at Polaris dealerships, as well as on purchases made at gas stations. The card also earns a single flat-rate point per dollar spent on all other purchases. Once a cardholder earns 2,5000 points with their card, they have the option to keep earning or to redeem their points for $25 in Polaris Cash.

While the main draw of the Polaris Visa Card is the ability to earn points towards discounts at Polaris on vehicles, parts, and services, the card also offers several perks beyond the Polaris-centric benefits. The card comes with a special 0% introductory APR offer for six months on both purchases and balance transfers, for instance, which provides great incentive to rack up the points with no interest on Polaris purchases for the first six billing periods. The card also offers cardholders additional benefits for traveling, including Visa’s Roadside Dispatch. Travelers renting vehicles will also receive an Auto Rental Collision Damage Waiver to cover the cost of any damage to their rental.

Should You Apply for the Polaris Visa Card?

The Polaris Visa is a credit card aimed for the off-road enthusiast. As such, the card likely won’t appeal to everyone. If you spend considerable money on your ATV – especially if Polaris makes it – this might be a solid credit card to consider. The 0% intro APR period, combined with double points for both Polaris and gas station purchases, can certainly help you earn enough for free parts for your ATV – especially if you plan to head outdoors and conquer the wild.


Editorial Disclosure — The opinions expressed on BestCards’ reviews, blogs, and all other content on or relating to the website are solely those of the content’s author. They are not reflective of any card issuer or financial institution and have not been reviewed or approved by these entities unless otherwise noted. Further, BestCards lists credit card offers that are updated daily with information believed to be accurate to the best of our knowledge.

Published: January 2, 2020 8:19 am

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