Last Updated: 05/14/2026
SuperMoney User Recommendation Score +17
Mostly recommended6 total votes
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Highlights
Community Rating
Mostly recommended
Purchase APR (Variable APR)
17.24% - 26.24%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
13.99% - 22.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
640 - 850
Annual Fee
$0
Number of Reviews
US Bank Harley-Davidson Visa Signature Card Review
This is a rewards card issued by U.S. Bank. If you're wondering whether US Bank Harley-Davidson Visa Signature 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% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 12 months, which is the average period for 0% APR balance transfer cards.
- Every 2,500 points get you $25 at H‑D.
- APR: This is not a great card for people who carry a balance. It has a variable regular 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.
- A 3% balance transfer fee. US Bank Harley-Davidson Visa Signature Card charges a fee of 3% on balance transfers. 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 up to 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 Auto Rental Collision Damage Waiver, 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 you have a fair credit score or better.
Pros & Cons of Harley Davidson credit card
| The Good | The Bad |
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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.
| Description |
Does Harley Davidson credit card have a signup bonus?
Yes. Every 2,500 points get you $25 at H‑D.
Does Harley Davidson credit card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Harley Davidson credit card benefits?
US Bank Harley-Davidson Visa Signature Card 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 for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower 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% .
Does Harley Davidson credit card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of 12 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 13.99% - 22.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Intro Period | 30 days | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Harley Davidson credit card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Harley Davidson credit card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does Harley Davidson credit card have a foreign transaction fee?
Harley Davidson credit card charges a foreign transaction fee of up to 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 foreign transaction fees.What is the customer service phone number for Harley Davidson credit card?
The customer service number for Harley Davidson credit card is (800) 872-2657.
What is the support contact email for Harley Davidson credit card?
The support contact email for Harley Davidson credit card is customer.support@usbank.com.
How do people rate the customer service and user experience of Harley Davidson credit card?
Overall, Harley Davidson credit card is mostly recommended based on community reviews that rate customer service and user experience.
Does US Bank Harley-Davidson Visa Signature Card report your account activity to credit bureaus?
Yes, US Bank Harley-Davidson Visa Signature Card reports to the following credit bureaus:
- 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 build your credit.
Does U.S. Bank perform a hard credit pull?
Yes, Harley Davidson credit card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Harley Davidson credit card
- Visit the website of Harley Davidson credit card.
- 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.
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...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
Closed
Monday
8:30AM - 5:30PM
Tuesday
8:30AM - 5:30PM
Wednesday
8:30AM - 5:30PM
Thursday
8:30AM - 5:30PM
Friday
8:30AM - 5:30PM
Saturday
Closed
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Other Credit Cards from U.S. Bank
Purchase APR
16.74% - 26.74%
Disclaimer popup with additional information
Balance Transfer APR
13.99% - 23.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Purchase APR
15.99% - 23.99%
Disclaimer popup with additional information
Balance Transfer APR
15.99% - 23.99%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
14.99% - 22.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
700 - 850
300
850
Annual Fee
$50
Rating not yet determined
Purchase APR
15.99% - 22.99%
Disclaimer popup with additional information
Balance Transfer APR
15.99% - 22.99%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$75
Rating not yet determined
Purchase APR
16.74% - 26.74%
Disclaimer popup with additional information
Balance Transfer APR
14.49% - 24.49%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$85
Rating not yet determined
Purchase APR
16.74% - 26.74%
Disclaimer popup with additional information
Balance Transfer APR
13.99% - 23.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
18.24% - 26.24%
Disclaimer popup with additional information
Balance Transfer APR
18.24% - 26.24%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$450
Rating not yet determined
Purchase APR
14.49% - 24.49%
Disclaimer popup with additional information
Balance Transfer APR
14.49% - 24.49%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$80
Rating not yet determined
Purchase APR
18.24% - 26.24%
Disclaimer popup with additional information
Balance Transfer APR
18.24% - 26.24%
Disclaimer popup with additional information
Credit Score Range
720 - 850
300
850
Annual Fee
$0 - $95
Rating not yet determined
Purchase APR
17.24% - 26.24%
Disclaimer popup with additional information
Balance Transfer APR
17.24% - 26.24%
Disclaimer popup with additional information
Credit Score Range
Starting at 720
Annual Fee
$0
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users mostly recommend this product, giving it a user recommendation score of +17, or 3.3 on a 5-point rating scale.
+17
-1000+100
No one recommends
Everyone recommends
US Bank Harley-Davidson Visa Signature Card Community Reviews
Would you recommend US Bank Harley-Davidson Visa Signature Card to your friends?
U
Anonymous
Nov 23, 2022
May or may not recommend
I was offered an HD card sponsored by us bank, for a $10 discount on a $50 T shirt. Fore whatever reason I didn't get a statement the first 2 months, whereupon I learned that the 29% Finance charge had all but eliminated the $10 discount. I called and asked the rep to pay off my card and closed it. They were rude and it took two tries to close ...Show More
HU
Haley U.
Mar 12, 2022
May or may not recommend
Although i wish there were a few more bonuses, this card isn’t too shabby. The only reason you should really ever get it is if you love Harley Davidson. In that case, go for it. You only live once.
VH
Victoria H.
Aug 26, 2021
May or may not recommend
I love US bank and now that I know that this card is backed by US bank, and have looked at the benefits, I would recommend this card because I have great customer service from them. Then on top of that I would get benefits for motorcycle gear! That is amazing, this is definitely something that I would recommend to those who are like me and want to be able ...Show More
U
Anonymous
Sep 12, 2019
May or may not recommend
At first I loved this card, and made payments like clock work. The minute I forgot and asked for forgiveness the fee was not removed. I have a Capital One and American Express but this company wouldn't waive a mistake.
Also, I've paid this card off in lump sums a handful of times and that's the customer service I receive?
When calling without my card and verifying my name and providing ...Show More
Gonzalo C.
Jul 2, 2019
May or may not recommend
The more you use it the more Harley Davidson stuff I get..Awesome..
DO
Daniel O.
May 25, 2019
May or may not recommend
oik oink, suey suey,pig pig pig, and so on and so on
Showing 6 of 6 reviews
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