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  US Bank Harley-Davidson Visa Signature Card

US Bank Harley-Davidson Visa Signature Card

in Personal Credit Cards from US Bank

Unaffiliated

US Bank Harley-Davidson Visa Signature Card

Unaffiliated

in Personal Credit Cards from US Bank

Net Recommendation Score +33%

SUPERMONEY NET RECOMMENDATION SCORE

+33%

-100% 0% +100%
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Highlights
Highlights
Community Rating

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In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
Purchase APR  (Variable APR) 13.99% - 22.99%
Balance Transfer APR  (Variable APR) 13.99% - 22.99%
Credit Score Range 640 - 850
Annual Fee $0

US Bank Harley-Davidson Visa Signature Card Review

US Bank Harley-Davidson Visa Signature Card is a rewards credit card issued by US Bank. If you're wondering whether US Bank Harley-Davidson Visa Signature Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key takeaways:

  • Generous reward rate. You will get a a rewards rate of 3 points per dollar spent.
  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
  • Competitive APRs. US Bank Harley-Davidson Visa Signature Card has a variable purchase APR that ranges from 13.99% up to 22.99%.
  • No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
  • 3% Balance transfer fee. US Bank Harley-Davidson Visa Signature Card charges a fee of up to 3% on balance transfers, if you transfer the balance within 30 days of opening the account. For example, a balance of $1,000 could cost up to $30 in transfer fees. The minimum fee is $5.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
  • Accepts cosigners. US Bank is one of the few credit card issuers that allows applicants to include a cosigner. Adding a cosigner can really improve your approval chances if your credit is not great.
  • Gas rewards.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, travel accident insurance, travel assistance, and fraud protection.
  • Fair or better credit required. You stand a chance of qualifying if your credit score is not below 640.

US Bank Harley-Davidson Visa Signature Card Pros and Cons:

The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 12 months.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Travel accident and travel assistance insurance.
  • Cardholders can earn rewards on every purchase.
  • Earn rewards on every purchase.
  • US Bank Harley-Davidson Visa Signature Card reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 3%.
  • Charges a 3% balance transfer fee, if you transfer the balance within 30 days of opening the account.

Is there a US Bank Harley-Davidson Visa Signature Card cash back or rewards program?

US Bank Harley-Davidson Visa Signature Card offers a rewards program to its customers.

US Bank Harley-Davidson Visa Signature Card Rewards
Rewards rate (all purchases) 1%
Max rewards rate 3%
Annual rewards limit N/A
Signup Bonus ($) N/A

Does US Bank Harley-Davidson Visa Signature Card have a signup bonus?

US Bank Harley-Davidson Visa Signature Card doesn't offer a cash signup bonus.

Does US Bank Harley-Davidson Visa Signature Card offer an annual loyalty bonus?

US Bank Harley-Davidson Visa Signature Card doesn't offer a cash loyalty bonus.

What are the US Bank Harley-Davidson Visa Signature Card benefits?

US Bank Harley-Davidson Visa Signature Card provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Zero fraud liability
  • Travel Accident Insurance
  • Travel Assistance
  • ID Theft Protection
  • Reports to major credit bureaus

What are the relevant APRs for US Bank Harley-Davidson Visa Signature Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. US Bank Harley-Davidson Visa Signature Card has lower than average purchase APRs.

US Bank Harley-Davidson Visa Signature Card has a variable purchase APR that ranges from 13.99% up to 22.99%. The card has a variable balance transfer APR that ranges from 13.99% up to 22.99%. It also has a variable cash advance APR of 23.99% .

Does US Bank Harley-Davidson Visa Signature Card have an introductory APR offer on balance transfers?

Yes, US Bank Harley-Davidson Visa Signature Card offers an introductory APR rate on balance transfers of 0% for a period of up to 12 months.

US Bank Harley-Davidson Visa Signature Card Balance Transfers
Description
Balance Transfer APR 13.99% - 22.99%
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period (months) 12
Balance Transfer Fee % 3%
Balance Transfer Fee % After Intro Period N/A
Balance Transfer Fee Intro Period (days) 30
Balance Transfer Fee Minimum $5

Does US Bank Harley-Davidson Visa Signature Card have an introductory APR offer on new purchases?

US Bank Harley-Davidson Visa Signature Card does not offer an introductory rate on new purchases.
US Bank Harley-Davidson Visa Signature Card Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for US Bank Harley-Davidson Visa Signature Card?

The following fees apply to US Bank Harley-Davidson Visa Signature Card:

  • There is no overlimit fee
US Bank Harley-Davidson Visa Signature Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 3%
Returned Payment Fee up to $35
Late Payment Fee up to $40

Does US Bank Harley-Davidson Visa Signature Card have a foreign transaction fee?

US Bank Harley-Davidson Visa Signature Card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.

Does US Bank Harley-Davidson Visa Signature Card report your account activity to credit bureaus?

US Bank Harley-Davidson Visa Signature Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit score.

How to apply for US Bank Harley-Davidson Visa Signature Card

  • Visit the US Bank Harley-Davidson Visa Signature Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Gas (Points) 2
Eligible In-Store Purchases (Points) 3
Every Purchase (Points) 3 points at Harley Davidson Dealerships, 2 points at restaurants, gas stations, lodging. 1 point everywhere else.
No Annual Fee  
Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 24 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 3%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $2
Returned Payment Fee Up to $35
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Co-signing Allowed  
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 640 - 850
Card Type
  • Gas
  • Rewards
Card Network Visa
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Lost Luggage Insurance  
Emergency Support  
Travel Insurance  
Fraud Liability  
Extended Warranty  
Car Rental Insurance  
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Fraud Liability
  • Identity Theft Protection
  • Travel Accident Insurance
  • Travel Assistance
Bonus Rewards CRUISE TO $150 IN H-D GIFT CARDS. Spend $500 on your H-D™ Visa® in the first 60 days of account opening.
Rewards Categories
  • Every Purchase
  • Gas
  • Restaurants
  • Retail
Rewards Type Points
Cash Advance APR (Variable APR) 23.99%
Balance Computation average daily balance (including new purchases).
Purchase APR (Variable APR) 13.99% - 22.99%
Balance Transfer Fee Intro Period 30 days
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 13.99% - 22.99%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%

US Bank Harley-Davidson Visa Signature Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

+33%

-100% 0% +100%
No one recommends Everyone recommends

Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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