US Bank Harley-Davidson Visa Signature Card

US Bank Harley-Davidson Visa Signature Card Review

This is a rewards card issued by U.S. Bank. If you're wondering whether Harley Davidson credit card is the right card for you, read on.

Key Takeaways

• Generous reward rate. You can get a rewards rate of up to 3 reward 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.
• Every 2,500 points get you $25 at H‑D.
• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 17.24% up to 26.24%.
• 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 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 $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. U.S. 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.
• Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, identity theft protection, travel accident insurance, travel assistance, and fraud protection.
• Fair or better credit required. You will have good approval odds if your credit score is above 640.

Pros & Cons of Harley Davidson credit card

The Good

The Bad

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. Extended warranty on purchases. Identity Theft Protection. Travel accident and travel assistance insurance. Cardholders can earn rewards on purchases everywhere US Bank Harley-Davidson Visa Signature Card is accepted. US Bank Harley-Davidson Visa Signature Card reports to multiple credit bureaus.

Higher than average purchase APRs. 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.

Harley Davidson credit card FAQ

Does Harley Davidson credit card have a cash back or rewards program?

Harley Davidson credit card is a rewards card.

Harley Davidson credit card Rewards

Minimum rewards rate	1x
Max rewards rate	3x
Annual rewards limit	N/A
Signup Bonus ($)	N/A

What are the Harley Davidson credit card benefits?

It provides the following benefits:

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

What are the relevant APRs for Harley Davidson credit card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

US Bank Harley-Davidson Visa Signature Card has a variable purchase APR that ranges from 17.24% up to 26.24%. 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 28.24% .

What are the fees for Harley Davidson credit card?

The following fees apply:

• There is no overlimit fee

Harley Davidson credit 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

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

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

Yes, 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 may help improve your credit.

How to apply for Harley Davidson credit card

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