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US Bank Harley-Davidson Visa Secured Credit Card

in Personal Credit Cards

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US Bank Harley-Davidson Visa Secured Credit Card

Unaffiliated

in Personal Credit Cards

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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.

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Availability

Available in 50 states and Washington, D.C.
  • 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 for Late Payment (Days)
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%
Minimum Age
18
Co-signing Allowed
Credit Score Range
300 - 700
850 300 700
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
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
Customer Type
Personal
Car Rental Insurance
Extended Warranty
Fraud Liability
Travel Insurance
Emergency Support
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Fraud Liability
  • ID Theft Protection
Rewards Categories
  • Every Purchase
Purchases APR
Starting at
24.49%
Cash Advance APR
Starting at
25.49%
Balance Computation
average daily balance (including new purchases)
Credit Limit
5000
APR Type
Variable APR
Balance Transfer APR
Starting at
24.49%
Transfer Fee
3%
Transfer Fee %
3%
Transfer Fee Minimum
$5

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