Credit Card Review & Application

Harley-Davidson Visa Credit Card

4.5

out of 5

- Earn 3 points for every $1 spent at Harley-Davidson® dealerships*
- Earn 2 points for every $1 spent at gas stations, restaurants, bars, and lodging merchants*
- Earn 1 point for every $1 everywhere else, No limit to how many H-D® Genuine Rewards points you can earn
- Redeem points for Harley-Davidson® Gift Cards*
- Chances to win a new Harley-Davidson® motorcycle every month*
- No Annual Fee based on credit worthiness



Introductory APR: N/A*
Introductory Period: N/A
APR on Purchases: 13.99% - 22.99% (variable)*
Annual Fee: $0*
Card Issuer: US Bank
Card Network: VISA®
Card Category: Consumer (Regular)
Card Type: - Co-Branded Card
- Low Interest Credit Card
- Reward Card
Credit Needed: Good*

The Harley Davidson Visa Credit Card provides a number of benefits to cardholders. When the card is used anywhere, it's possible to earn Harley Chrome cash certificates, which can be redeemed for an array of different Harley Davidson branded merchandise. It all starts with completing an application, which is available online. The credit score of the applicant is verified and a credit decision can be provided in a matter of seconds.

When the credit score of the person is high enough, the annual fee will be waived. This can make the card even more affordable to maintain throughout the year. This will be disclosed either at the time of approval or when the card is mailed out to the person.

If a person is approved for the card, a card will be mailed out to them. Once activated, the card benefits begin. The main benefit of the card is the ability to earn the cash certificates. For every 2500 points, a $25 gift certificate can be earned. These can then be used on Harley branded merchandise online and in stores. For every dollar spent, points are earned. Additional miles can be earned when the card is used at Harley dealerships, at bars and restaurants, lodging establishments as well as gas stations.

Another feature of the card is that there is no preset spending limit. With no credit line limit, cardholders are able to enjoy more spending power. The requirement to maintain the credit line is no longer in place, making it easier for a cardholder to make a purchase based upon what they need, not based upon whether they have the credit line for it or not.

There are always two formats available to pay for purchases. The first is to take advantage of the low APR and pay the purchases off over time, making small minimum payments. The second is to avoid interest charges and pay the balance in full at the end of every billing statement.

Cardholders are able to take advantage of online account tools as well. The days of waiting for a statement to arrive in the mail are over. With a secure internet connection, it will be possible to learn of all the account details, which are updated to the minute. This ensures a cardholder knows all the activity on the account and can make an educated decision of whether to charge more on the account or not.

Via the online account portal, there are various tasks that can be completed. Statements can be viewed or downloaded, payments can be made on the day of the due date or scheduled in advance to prevent any late charges. Past purchases can be viewed, customer service can be contacted and all of the card features can be reviewed online.

Customer service operates 24 hours a day, 365 days a year. They can be contacted by phone to ask questions about the account dispute a charge or request the account be reviewed for a credit line increase. Representatives can also be contacted online when there aren't urgent questions that can be answered within a day or two of asking them. There is never a charge to talk to a representative, either, ensuring questions can actually be answered when they arise.

Fraud protection is another feature of the card. Ultimately, this ensures that there are no ways for someone to obtain a credit card number through fraudulent means. If a purchase is made fraudulently, cardholders are never held liable. This makes it that much easier for cardholders to spend as needed without fear of who may come upon the card information.

The Harley card is unique because of the way to earn Harley Chrome cash certificates. The application is online and can provide people with the credit they need to make purchases during the year.


The review prepared by . Opinions expressed therein are solely those of the reviewer.

Reward Types: - Gas Reward Cards
- Motorcycle Reward Cards
- Other Rewards Cards
- Universal Reward Cards
Reward Unit: Point
Rewards: - 3 points for every $1 spent at Harley-Davidson® dealerships*
- 2 points for every $1 spent at gas stations, restaurants, bars, and lodging merchants*
- 1 point for every $1 everywhere else, No limit to how many H-DTGenuine Rewards points you can earn
Expiration: None*
Yearly Limit: None
Other Benefits: *See website for additional benefits
Online Account Access: Yes
Introductory APR: N/A*
Introductory Period: N/A*
APR on Purchases: 13.99% - 22.99% (variable)*
Annual Fee: $0*
Grace Period: 24 - 30 days*
Min Finance Charge: $1.00
Late Payment Fee: $35.00*
Over Limit Fee: $0.00
Balance Transfer: Yes
Transfer Fee (%): 3.00%
Minimum Fee: $5.00
APR Cash Advances: 23.99%
Cash Advance Fee: 3.00%
Minimum Fee: $10.00
Additional Fees - Convenience Check Cash Advance: Either 3% of the amount of each advance or $5 minimum, whichever is greater.
- Cash Equivalent Advance: Either 4% of the amount of each advance or $10 minimum, whichever is greater.
- Foreign Transaction: 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
- Returned Payment: Up to $35.00

We do not offer online application for this card at the moment.


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† The information provided for Harley-Davidson® Visa® Credit Card is believed to be accurate at the time of evaluation (Aug 18, 2014). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.




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