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  US Bank Harley-Davidson Visa Secured Credit Card

US Bank Harley-Davidson Visa Secured Credit Card

in Personal Credit Cards from US Bank

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US Bank Harley-Davidson Visa Secured Credit Card

Unaffiliated

in Personal Credit Cards from US Bank

Net Recommendation Score -100%

SUPERMONEY NET RECOMMENDATION SCORE

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Highlights
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Community Rating

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Purchase APR  (Variable APR) 22.99%
Balance Transfer APR  (Variable APR) 22.99%
Credit Score Range 300 - 700
Annual Fee $0

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 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 & Cons
The Good The Bad
  • No annual fee.
  • Multiple credit card perks.
  • 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.
US Bank Harley-Davidson Visa Secured Credit Card FAQ

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

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

US Bank Harley-Davidson Visa Secured Credit Card doesn't offer a cash signup bonus.

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

US Bank Harley-Davidson Visa Secured Credit Card doesn't offer a cash loyalty bonus.

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

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

  • 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% .

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

No, US Bank Harley-Davidson Visa Secured Credit Card does not come with an introductory APR offer for balance transfers.

Does US Bank Harley-Davidson Visa Secured Credit Card have an introductory APR offer on new purchases?

US Bank Harley-Davidson Visa Secured Credit Card does not offer an introductory rate on new purchases.
US Bank Harley-Davidson Visa Secured Credit Card Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

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 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 a foreign transaction fee.

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.

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.

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

No Annual Fee  
Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 24 days
Cash Advance Fee (%) Up to 4%
Minimum Cash Advance Fee ($) Starting at $5
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $2
Returned Payment Fee Up to $35
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Co-signing Allowed  
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 300 - 700
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Fraud Liability
  • Identity Theft Protection
  • Extended Warranty Protection
  • Travel Accident Insurance
Rewards Categories Every Purchase
Rewards Type Points
Cash Advance APR (Variable APR) 23.99%
Balance Computation average daily balance (including new purchases)
Credit Limit Up to $5,000
Purchase APR (Variable APR) 22.99%
Balance Transfer APR (Variable APR) 22.99%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Card Type
  • Secured
  • Rewards
  • Bad Credit
Card Network Visa

US Bank Harley-Davidson Visa Secured Credit Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

-100%

-100% 0% +100%
No one recommends Everyone recommends

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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