Harley-Davidson Visa Credit Card Review

Advertiser Disclosure

It’s time for Harley-Davidson lovers to get ready to rumble! U.S. Bank now offers the Harley-Davidson Visa credit card, a card geared specifically toward the type of customer who enjoys a sense of adventure and wants to earn great rewards and save some money on big purchases. Let’s take a look at some of the details for this card, so that you can decide whether or not it’s the right one for you.

Apply Now: Harley-Davidson® Visa® Credit Card



No Annual Fee!

This is certainly one of the first things that people consider when they are choosing a credit card, and, with no annual fee, the Harley-Davidson Visa credit card is certainly looking pretty good. There are two versions of the card available, based on your creditworthiness. The Signature version has no annual fee, while the High Performance model of the card has an annual fee of $0-29, depending on your credit history and credit score.

Earn Rewards Quickly

When you have the Signature version of the Harley-Davidson Visa credit card, you will earn one point for every dollar you spend, with double points earned at gas stations, restaurants, bars and travel lodging. Earn TRIPLE points for any spending at a Harley-Davidson dealership. With no preset spending limit (though this does not actually mean unlimited spending—your credit history will determine how purchase approvals are made), you can certainly earn points quickly if you tend to buy expensive merchandise for your hog. The High Performance version earns 1 point for every dollar spent.

Great Harley-Davidson Redemption

Points can be redeemed for Harley-Davidson gift cards, which can be used for any Harley-Davidson merchandise, or put toward any purchase at a dealer. Points do expire in 3 years after the date they are issued, so it is important to keep track of what you have earned, so that you do not lose it.

Automatic Sweepstakes Entry

Just as a cardholder (no additional purchase necessary), you will be automatically entered in the Harley-Davidson Easy Ride Sweepstakes, with the chance to win amazing prizes.

$10 Bonus Chrome Cash Gift Card

Upon approval, you will receive a $10 bonus Chrome Cash gift card that you can use toward merchandise at any Harley-Davidson dealership.


The Nitty Gritty

To recap, there is no annual fee for the Signature version of the Harley-Davidson Visa card, and $0-29 annual fee for the High Performance version, depending on your creditworthiness. The APR for purchases and balance transfers will vary from 13.99-22.99%. There is a 3% fee on balance transfers, and a 3% cash advance transaction fee. Foreign transaction fees are 2% when using U.S. currency, and 3% when using foreign currency. Late payment fees of $35 will apply if your payment does not arrive on time. There is no overlimit fee.



While this may be a great card for those who really love Harley-Davidson and want to earn rewards with their for HD merchandise, and there is no annual fee (for the Signature version), there are more flexible redemption rewards cards that offer similar points earnings and also have a promotional 0% APR to help you save some dough. It’s all about comparing the benefits and deciding what works best for you. But if you’re a die hard Harley-Davidson fan, I’d say this is a great match for you!


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