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  US Bank Harley-Davidson Visa Secured Credit Card

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US Bank Harley-Davidson Visa Secured Credit Card Claimed

US Bank Harley-Davidson Visa Secured Credit Card

Claimed
Net Recommendation Score -100  

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -100, equating to 1 on a 5 point rating scale.

-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.

Rating not yet determined  

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Highlights
Community Rating

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Purchase APR  (Variable APR) 25.24%
(Verified 08/17/2022)
Balance Transfer APR  (Variable APR) 22.99%
Credit Score Range 640 - 850
Annual Fee $0

US Bank Harley-Davidson Visa Secured Credit Card Review

This is a secured credit card rewards credit card issued by U.S. Bank. If you're wondering whether US Bank Harley-Davidson Visa Secured Credit Card is the right card for you, read on.

Key Takeaways

  • Every 2,500 points earns you $25 at H‑D.
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 25.24%
  • 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.
  • 3% Balance transfer fee. US Bank Harley-Davidson Visa Secured Credit 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 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.
  • 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, extended warranty protection on purchases, identity theft protection, travel accident insurance, and fraud protection.
  • Fair or better credit required. You will have good approval odds if your credit score is above 640.

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

The Good The Bad
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Identity Theft Protection.
  • Travel accident insurance.
  • Cardholders can earn rewards on their purchases.
  • 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%.
  • Charges a 3% balance transfer fee.

US Bank Harley-Davidson Visa Secured Credit Card FAQ

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

US Bank Harley-Davidson Visa Secured Credit Card is a rewards card.

US Bank Harley-Davidson Visa Secured Credit Card Rewards
Minimum rewards rate 1x
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) N/A

Does US Bank Harley-Davidson Visa Secured Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does US Bank Harley-Davidson Visa Secured Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

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

It provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Zero fraud liability
  • Travel Accident Insurance
  • 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 regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

US Bank Harley-Davidson Visa Secured Credit Card has a variable purchase APR of 25.24%. The card has a variable balance transfer APR of 22.99% . It also has a variable cash advance APR of 28.24% .

Does US Bank Harley-Davidson Visa Secured Credit Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does US Bank Harley-Davidson Visa Secured 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 US Bank Harley-Davidson Visa Secured Credit Card?

The following fees apply:

  • 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 $41
Late Payment Fee up to $41

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

Does US Bank Harley-Davidson Visa Secured Credit Card have a foreign transaction fee?

US Bank Harley-Davidson Visa Secured Credit Card charges a foreign transaction fee of 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 US Bank Harley-Davidson Visa Secured Credit Card?

The US Bank Harley-Davidson Visa Secured Credit Card customer service number is (800) 872-2657.

What is the support contact email for US Bank Harley-Davidson Visa Secured Credit Card?

The support contact email for US Bank Harley-Davidson Visa Secured Credit Card is customer.support@usbank.com.

What is the US Bank Harley-Davidson Visa Secured Credit Card login page?

You can access the US Bank Harley-Davidson Visa Secured Credit Card login page here.

How do people rate the customer service and user experience of US Bank Harley-Davidson Visa Secured Credit Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

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

Yes, 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 may 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 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.

Contact

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

Other Services by U.S. Bank

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View all credit cards offered by U.S. Bank

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 3%
No Annual Fee
Annual Fee $0
Minimum Interest Charge $2
Over-Limit Fee $0
No Interest Grace Period for Late Payment 24 days
Returned Payment Fee Up to $41
Late Fee Amount Up to $41
Customer Type Personal
Minimum Age 18
Co-signing Allowed
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 640 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Emergency Support
  • Fraud Liability
  • Travel Accident Insurance
Bonus Offer Every 2,500 points earns you $25 at H‑D.
Rewards Categories
  • 1x Point on Every Purchase
Cash Advance APR (Variable APR) 28.24%
APR Type Variable APR
Balance Computation average daily balance (including new purchases)
Credit Limit Up to $5,000
Purchase APR (Variable APR) 25.24%
(Verified 08/17/2022)
Balance Transfer APR (Variable APR) 22.99%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Card Type
  • Rewards
  • Secured
  • Bad Credit
Card Network Visa

US Bank Harley-Davidson Visa Secured Credit Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -100, equating to 1 on a 5 point rating scale.

-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.

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