US Bank Harley-Davidson Visa Secured Credit Card Review

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

Key takeaways:

• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 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 Secured Credit Card charges a fee of up to 3% on balance transfers. 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.
• Secured card. This card requires a refundable deposit before you qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
• Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, and fraud protection.
• Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still qualify.

US Bank Harley-Davidson Visa Secured Credit Card Pros and Cons:

The Good	The Bad
No annual fee. Multiple credit card perks. Offers auto rental collision damage waiver. Considers applicants with fair or poor credit. Cardholders can earn rewards on every purchase. Earn rewards on every purchase. US Bank Harley-Davidson Visa Secured Credit Card reports to multiple credit bureaus. Cardholders can earn rewards on their purchases.	Higher than average purchase APRs. Does not offer a signup bonus. Charges a foreign transaction fee of 3%. Charges a 3% balance transfer fee.

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

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

US Bank Harley-Davidson Visa Secured Credit Card Rewards

Rewards rate (all purchases)	1%
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus ($)	N/A

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

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

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

What are the relevant APRs for US Bank Harley-Davidson Visa Secured Credit 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 Secured Credit Card has higher than average purchase APRs.

US Bank Harley-Davidson Visa Secured Credit Card has a variable purchase APR of 22.99%. The card has a variable balance transfer APR of 22.99% . It also has a variable cash advance APR of 23.99% .

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

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

• There is no overlimit fee

US Bank Harley-Davidson Visa Secured 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

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

US Bank Harley-Davidson Visa Secured Credit 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.

How to apply for US Bank Harley-Davidson Visa Secured Credit Card

• Visit the US Bank Harley-Davidson Visa Secured 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 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.