Polaris® Visa®
U.S. Bank and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of U.S. Bank. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The Polaris® Visa® from U.S. Bank earns up to 2% effective value on gas in Madeen's catalog snapshot. It has no annual fee.
- Top category
- Gas
- Effective value
- 2%
- Annual fee
- $0
Best for gas-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in gas and can earn 2x points.
What does the Polaris Visa earn in each category?
Gas is the strongest category at 2% effective value (2x points at about 1 cents each). That gas rate ranks higher than about 56% of the 2,854 cards we track in that category. The five-category effective-rate table on this page shows how Polaris Visa compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight gas at 2x.
Gas is the strongest category at 2% effective value (2x points at about 1 cents each). That gas rate ranks higher than about 56% of the 2,854 cards we track in that category. The five-category effective-rate table on this page shows how Polaris Visa compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1x points | 1% |
| Grocery Supermarkets and grocery stores | 1x points | 1% |
| Gas Gas stations and fuel | 2x points | 2% Top category |
| Travel Flights, hotels, transit | 1x points | 1% |
| Other General everyday spend | 1x points | 1% |
Madeen values Polaris at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the Polaris Visa?
The Polaris Visa fits spenders who put meaningful volume in gas and can earn 2x points. Best for spenders who put meaningful volume in gas and can earn 2x points.
Polaris Visa fits spenders who put meaningful volume in gas and can earn 2x points. Madeen ranks its gas effective rate higher than about 56% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in gas and can earn 2x points.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for gas-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is gas at about 2% effective (2x points).
- No annual fee in our catalog snapshot.
- No foreign transaction fee listed.
Cons
- Polaris value depends on how you redeem, not straight cash back.
Does the Polaris Visa have an annual fee?
The Polaris Visa has an annual fee of $0 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- None
Related encyclopedia topics
Common questions about the Polaris Visa
Where do cardholders spend most with the Polaris Visa?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on gas (2x) for the Polaris Visa. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Does the Polaris Visa have an annual fee?
The Polaris Visa carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Polaris Visa?
Gas is the strongest Madeen category for the Polaris Visa at about 2% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Polaris Visa charge foreign transaction fees?
The Polaris Visa does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
What credit score do you need for the Polaris Visa?
Madeen's catalog lists a typical credit range of Good for the Polaris Visa. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the Polaris Visa?
Rewards on the Polaris Visa post as Polaris. Redemption value depends on how you use Polaris (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How does the Polaris Visa compare to similar cards?
Compare the Polaris Visa against H-D™ H.O.G.™ Elite Visa Signature (5% on Gas, $99 fee); U.S. Bank Altitude Connect Visa Signature (4% on Gas, $0 fee); U.S. Bank Business Altitude™ Connect Visa Signature (4% on Gas, $95 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Polaris Visa This card | Gas | 2% | $0 |
U.S. Bank | Gas | 5% | $99 |
| Gas | 4% | $0 | |
| Gas | 4% | $95 | |
U.S. Bank | Gas | 3% | $0 |
Side-by-side comparisons
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for gas spend to see which cards win at checkout.
Related Madeen guides
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See how this card ranks in your wallet
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U.S. Bank and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of U.S. Bank. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure