Polaris Credit Card
Basic Information
Program ID: polaris-credit-card
Issuer: Synchrony
Card Type: Credit
Network:
Card Tier:
Data Complete: Yes
Created: 01/15/2026 13:16
Last Scraped: 01/15/2026 13:17
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Balance Transfer: | None |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,199.00% - 2,999.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Rewards Program
Reward Type: Store Credit (Polaris Bucks)
Base Reward Rate: 1.00%
Bonus Reward Rate: 3.00%
Bonus Categories: 3x Polaris Purchases, 1x All Other Purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Rewards typically expire 12-24 months after issuance or upon account closure. Specific policy for 2026 is unknown and subject to change.
Transfer Partners: N/A - This card does not offer transfer partners.
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: The Polaris credit card, issued by Synchrony, primarily offers special financing promotions on Polaris purchases (e.g., 0% APR for X months on purchases over $Y) rather than a traditional sign-up bonus. Eligibility requirements for 2026 include being 18 years or older, a US resident with a valid SSN/ITIN, and meeting Synchrony's creditworthiness criteria, which typically requires fair to good credit. Applicants must also agree to Synchrony's terms and conditions.
Maximum Cards Per Issuer: 4
Minimum Spend Interval: N/A for traditional sign-up bonus; promotional financing offers have specific terms (e.g., 6-36 months for 0% APR) that must be met to avoid deferred interest.
Shutdown Risk Triggers: Manufactured spending (though less common for store cards), high cumulative credit limit across all Synchrony accounts, rapid application for multiple Synchrony cards, suspicious spending patterns inconsistent with Polaris purchases, payment defaults, excessive credit limit utilization, and account inactivity for extended periods.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 2.8 / 5.0
Top Positive Feedback:
Easy approval for financing Polaris products; helpful for large purchases with promotional financing offers.
Top Negative Feedback:
High interest rates after promotional period; limited use outside Polaris network; mixed customer service experiences.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Capital One QuicksilverOne Cash Rewards Credit Card
- Discover it Secured Credit Card
- Cabela's CLUB Card (Synchrony)
Card Value Score: 60.0 / 100
Est. Annual Rewards: $75.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 36 months
Store vs Co-brand: 100% Store/Brand Specific
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0
Last Updated: 10/27/2023 00:00