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. 

Secured cards are credit cards that require a refundable deposit before you qualify for a line of credit. These cards are often used to build the credit of consumers with with poor credit or little credit history.

This card is designed for people who have bad credit. The minimum credit score to apply is 300. US Bank is one of the few credit card issuers that allows applicants to include a cosigner, which improves the approval chances of people with not-so-great credit.

This card has a minimum credit limit of 5000.

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.

Pros & Cons of US Bank Harley-Davidson Visa Secured Credit Card

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

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 starting at 24.49% . The card has a variable balance transfer APR starting at 24.49% . It also has a variable cash advance APR starting at 25.49% .

US Bank Harley-Davidson Visa Secured Credit Card Balance Transfers

Description
Balance Transfer APR	Starting at 24.49%
Introductory Rate	N/A
Intro APR period (months)	N/A

US Bank Harley-Davidson Visa Secured Credit Card Rates & Terms

Description
Balance Computation	average daily balance (including new purchases)
Purchase APR	Starting at 24.49%
Credit Limit	5000
Penalty APR	N/A
Cash Advance APR	Starting at 25.49%
Introductory Rate	N/A
Intro APR period (months)	N/A

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

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%
Balance Transfer Fee	3%
Minimum Balance Transfer Fee	$5
Returned Payment Fee	$35
Late Payment Fee	$38

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 score.

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.