SuperMoney

US Bank Harley-Davidson Visa Secured Credit Card

in Personal Credit Cards

Unaffiliated Visit Site

US Bank Harley-Davidson Visa Secured Credit Card

Unaffiliated

in Personal Credit Cards

SuperMoney Net Recommendation Score -100% 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.

Strongly not recommended

0 users recommend
0 users are unsure
1 users don't recommend
Cast your vote
Cast your vote

Would you recommend US Bank Harley-Davidson Visa Secured Credit Card to your friends?

Thanks for your vote!

Thanks for your vote!

You voted: May or may not recommend

Overview

Who is Harley Davidson's Visa Secured Card For?

Harley Davidson's Visa Secured Card is designed for Harley Davidson enthusiasts who want to repair or build their credit with a low-cost secured card and also want a rewards program. The secured card has a credit line ranging from $300 to $5,000.

As with all secured cards the credit limit depends on how much you are prepared to hand out as a security deposit, so it's only an option for people with at least $300 on hand for a security deposit.

What are the Rates?

Rates are high for a secured card: 24.49% APR on purchases and balance transfers, and 25.49% APR on cash advances. Needless to say, this is not a card you want to keep a balance on or use at ATMs. On the bright side, it doesn't have a penalty rate so you don't have to worry about a higher rate when you're late on a payment.

What Are the Fees?

Harley Davidson's Visa Secured Card does not have an annual fee, which is a pleasant surprise for a secured card with a rewards program. However, it does have a 3% foreign transaction, a $38 fee on late payments, a $35 on returned payments, and a 3% or $5 fee (whichever is greater) on balance transfers. Cash advances come with a 3% or $10 fee.

What Is the Rewards Program Like?

The rewards program gives cardholders one Harley Davidson Genuine Rewards point for every dollar spent. Genuine Rewards can only be redeemed for Harley Davidson gift cards so the rewards amount to a 1% cash back on all purchases.

What about the Signup Bonus?

There is no signup bonus. 

Any Other Benefits?

New cardholders enter the chance of winning a new motorcycle with the Harley Davidson Visa Free Ride Sweepstakes. The card also includes auto rental collision damage waiver, fraud protection and zero fraud liability.

How Is It Better Than Other Credit Cards?

Harley Davidson is rare among no-annual-fee security cards because it offers a rewards program and a signup bonus. The rates are not great, so this is not a card on which you would want to keep a balance, use to withdraw cash at ATMs, or to make purchases abroad.

However, US Bank pays interest on your security deposit, something most secured cards don't offer. So, if you like Harley Davidsons, have the cash on hand to make a decent security deposit, need to improve your credit, and don't plan to carry a balance, consider this card.

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, DC
  • 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

Grace Period / Deferred Interest (Months)
24
Over-Limit Fee
$0
Annual Fee
$0
No Annual Fee
Late Payment Penalty
$38
Returned Payment Fee
$35
Minimum Interest Charge
$2
Foreign Currency Transaction Fee
3%
Credit Score Range
300 - 700
850 300 700
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Co-signing Allowed
Minimum Age
18
Customer Type
Personal
Card Type
  • Bad Credit
  • Rewards
  • Secured
Card Network
  • Visa
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Fraud Liability
  • ID Theft Protection
Car Rental Insurance
Extended Warranty
Fraud Liability
Travel Insurance
Emergency Support
Rewards Categories
  • Every Purchase
Purchases APR (variable)
Starting at
24.49%
Balance Computation
average daily balance (including new purchases)
Credit Limit
5000
Balance Transfer APR (variable)
Starting at
24.49%
Transfer Fee
3%
Transfer Fee Minimum
$5
Transfer Fee
3%

Reviews

Would you recommend US Bank Harley-Davidson Visa Secured Credit Card to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
Cancel my vote
(will require moderator approval)

Other Personal Credit Cards

US Bank Personal Credit Cards

Product

Reviews

Purchases APR (variable)

Balance Transfer APR (variable)

Annual Fee

Credit Score Range

US Bank Harley-Davidson Visa Signature® Card
Purchases APR (variable) 15.49% - 24.49% 0% 29%
Balance Transfer APR (variable) 15.49% - 24.49% 8% 29%
Annual Fee $0 Annual Fee
Credit Score Range 640 - 850 300 850
US Bank Gymboree Visa Credit Card

US Bank Gymboree Visa Credit Card

Be the first to rate

Purchases APR (variable) 15.49% - 24.49% 0% 29%
Balance Transfer APR (variable) 15.49% - 24.49% 8% 29%
Annual Fee $0 Annual Fee
Credit Score Range 640 - 850 300 850
US Bank AeroMexico Visa Secured Card
Starting Purchases APR (variable) 24.49% Starting Purchases APR (variable)
Starting Balance Transfer APR (variable) 24.49% Starting Balance Transfer APR (variable)
Annual Fee $25 Annual Fee
Credit Score Range 640 - 850 300 850
US Bank LATAM Visa® Secured Card

US Bank LATAM Visa® Secured Card

Be the first to rate

Starting Purchases APR (variable) 24.49% Starting Purchases APR (variable)
Starting Balance Transfer APR (variable) 24.49% Starting Balance Transfer APR (variable)
Annual Fee $25 Annual Fee
Credit Score Range 300 - 640 300 850
US Bank FlexPerks Travel Rewards Visa Signature® Card
Purchases APR (variable) 15.49% - 25.49% 0% 29%
Balance Transfer APR (variable) 15.49% - 25.49% 8% 29%
Annual Fee $49 Annual Fee
Credit Score Range 700 - 850 300 850
US Bank AeroMexico Visa Card

US Bank AeroMexico Visa Card

Be the first to rate

Purchases APR (variable) 14.49% - 24.49% 0% 29%
Balance Transfer APR (variable) 14.49% - 24.49% 8% 29%
Annual Fee $45 Annual Fee
Credit Score Range 700 - 850 300 850
US Bank SkyBlue SKYPASS Visa Credit Card
Purchases APR (variable) 14.49% - 21.49% 0% 29%
Balance Transfer APR (variable) 14.49% - 21.49% 8% 29%
Annual Fee $0 Annual Fee
Credit Score Range 640 - 850 300 850
US Bank AeroMexico Visa Signature®
Purchases APR (variable) 14.49% - 24.49% 0% 29%
Balance Transfer APR (variable) 14.49% - 24.49% 8% 29%
Annual Fee $80 Annual Fee
Credit Score Range 700 - 850 300 850
View More Personal Credit Cards from US Bank