Polaris Visa Card

Synchrony Visa Pending

Back Apply Now

7

Benefits

5

Reward Categories

3x

Max Reward

30%

APR From
Basic Information
PENDING

Program ID: polaris-visa-card

Issuer: Synchrony

Card Name: Polaris Visa Card

Card Type: Credit

Network: Visa

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 07:38

Last Scraped: Feb 17, 2026 07:39

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 5 Categories
PENDING
Category Rate Type Description Annual Cap Status
Polaris Purchases 3x Points Purchases from Polaris No Cap
Gas 2x Points Purchases at gas stations No Cap
Dining 2x Points Purchases at restaurants and dining establishments No Cap
Utilities 2x Points Payments for utility services No Cap
All Other Purchases 1x Points All eligible purchases not falling into other bonus categories No Cap
Rewards Summary
PENDING

Reward Type: Polaris Points

Base Rate: 1x

Bonus Rate: 3x

Categories: Polaris purchases

Quarterly Rotating: No

Expiration Policy: Points expire 5 years from the date they are earned.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Benefits & Protections (Detailed) 7 Total
PENDING
Financial 1
No Annual Fee
$0 annual fee

The Polaris Visa Card does not charge an annual fee.

Financing 1
Special Financing Offers
Varies by offer

Access to special financing offers on qualifying Polaris purchases made with the Polaris Visa Card.

Rewards 5
Polaris Purchases Rewards Earning
3 points per $1

Earn 3 points for every $1 spent on qualifying Polaris purchases made with the Polaris Visa Card.

Gas, Restaurant, and Lodging Purchases Rewards Earning
2 points per $1

Earn 2 points for every $1 spent on gas, restaurant, and lodging purchases made with the Polaris Visa Card.

All Other Purchases Rewards Earning
1 point per $1

Earn 1 point for every $1 spent on all other eligible purchases made with the Polaris Visa Card.

Rewards Redemption
Points redeemable for Polaris products and services

Redeem earned points for Polaris merchandise, parts, accessories, and service at participating Polaris dealers.

Rewards Point Expiration
Points expire after 36 months

Earned points expire 36 months from the date they are earned.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
No Sign-Up Bonus Available

Click "Get Data" button below to fetch sign-up bonus information.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Balance Transfer: Either $10 or 5% of the amount of each balance transfer, whichever is greater.
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater.
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 29.99% - 29.99%

Cash Advance APR: 29.99%

Intro APR Offers

Intro Purchase APR: 0% for 6 months

Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 739
Good
Not specified
Application Process
Not specified
Not specified
Experian, TransUnion, Equifax
Issuer Rules & Policies
PENDING

Rules: Eligibility for the Polaris Visa Card from Synchrony in 2026 requires applicants to be at least 18 years old (19 in AL/NE), a U.S. resident with a valid SSN or ITIN, and possess a good to excellent credit history (typically FICO score 670+). Approval is also contingent on Synchrony's internal credit exposure limits and recent application history. Bonus offers, if available, are typically tied to initial spending, such as 'Spend $500 on Polaris purchases within the first 90 days to earn $100 statement credit' or enhanced reward rates on Polaris-related spending for a limited period after account opening.

Max Cards Per Issuer: 5

Min Spend Interval: 3 months

Shutdown Risk Triggers: High cumulative credit limit across all Synchrony accounts, defaulting on any Synchrony account, sudden and unusual spending patterns inconsistent with typical Polaris card usage, excessive credit seeking (numerous applications in a short timeframe), and any suspected fraudulent activity.

Cliff Effect Rules: Synchrony does not typically enforce complex 'card family' rules that restrict bonus eligibility based on prior ownership of other Synchrony-issued cards. However, overall credit exposure across all Synchrony accounts and recent application history are significant factors in approval decisions and credit limit assignments for new applications.

Special Events: Expect special financing offers (e.g., 0% APR for 6-12 months on qualifying Polaris purchases), bonus reward points on specific Polaris product categories during promotional periods, and exclusive cardholder discounts or early access to Polaris sales events.

Holiday Promos: Key promotional periods include Black Friday/Cyber Monday (November-December), Memorial Day (May), 4th of July (July), and Labor Day (September), often featuring enhanced rewards or special financing on Polaris purchases.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Good for financing Polaris purchases, special promotional offers, and rewards on brand-specific spending.

Top Negative:
High APR, limited rewards outside Polaris, potential for low credit limits, and general Synchrony customer service concerns.

Approval Experience: 70.0 / 100

Recommended Alternatives
  • Chase Freedom Unlimited
  • Capital One Quicksilver
  • Discover it Cash Back

Card Value Score: 65.0 / 100

Est. Annual Rewards: $125.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0