Features

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 Interest Rates?

Interest rates are high for a secured card: 22.99% APR on purchases and balance transfers, and 23.99% 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 interest 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 $35 fee on late payments and 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 cash certificates, so it amounts to a 1% cash back on all purchases.

What about the Signup Bonus?

The Harley Davidson Visa Secured Card comes with a $10 Genuine Rewards Certificate. Admittedly, $10 is not much; but for a secured card without an annual fee, it's great.

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 interest rates are not great, so this is not a card on which you would want to keep a balance, use to withdrawal 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.

  • Card Type
    • Balance Transfer
    • Rewards
    • Secured
  • Customer Type
    Personal
  • Card Network
    Visa
  • Credit Score Range
    300 - 700
  • Minimum Age
    18
  • Grace Period / Deferred Interest
    24
  • Late Payment Penalty
    $37
  • Minimum Interest Charge
    $2
  • Returned Payment Fee
    $35
  • Foreign Currency Transaction Fee
    3%
  • No Annual Fee
  • Car Rental Insurance
  • Emergency Support
  • Extended Warranty
  • Fraud Liability
  • Travel Insurance
  • Points
  • Purchases APR
    Starting at 23.24%
  • Transfer Fee
    3% w/$5 min.
  • Balance Transfer APR
    Starting at 23.24%
js-table-filter bizname-us-bank-flexperks-select-rewards-visa-card
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
700
js-table-filter points-137
13.99
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-12
js-table-filter states-offered-44
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js-table-filter states-offered-98
js-table-filter states-offered-100
js-table-filter states-offered-99
js-table-filter states-offered-101
js-table-filter states-offered-46

Est. 1929

  • Points
  • No Annual Fee
  • 0% Introductory APR
Card Type Balance Transfer
Card Type Rewards
Credit Score Range 700
Purchases APR 13.99%
Balance Transfer APR 13.99%
058
js-table-filter bizname-us-bank--fred-meyer-rewards-visa-card
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
640
js-table-filter gas-139
js-table-filter groceries-141
js-table-filter points-137
14.24
0
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-12

Est. 1929

  • Gas
  • Groceries
  • Points
  • No Annual Fee
  • 0% Introductory APR
Card Type Balance Transfer
Card Type Rewards
Credit Score Range 640
Purchases APR 14.24%
Balance Transfer APR 14.24%
Intro APR period (months) 9
026
js-table-filter bizname-us-bank--ralphs-rewards-plus-visa-card
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
640
js-table-filter points-137
14.24
js-table-filter no-annual-fee-238
js-table-filter card-type-12

Est. 1929

  • Points
  • No Annual Fee
Card Type Balance Transfer
Card Type Rewards
Credit Score Range 640
Purchases APR 14.24%
Balance Transfer APR 14.24%
006
js-table-filter bizname-us-bank--harleydavidson-signature-visa
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
640
js-table-filter gas-139
js-table-filter points-137
14.24
js-table-filter restaurants-142
js-table-filter travel-143
js-table-filter no-annual-fee-238
js-table-filter card-type-12

Est. 1929

  • Gas
  • Points
  • Restaurants
  • Travel
  • No Annual Fee
Card Type Balance Transfer
Card Type Rewards
Credit Score Range 640
Purchases APR 14.24%
Balance Transfer APR 14.24%
006
js-table-filter bizname-us-bank--rei-visa-credit-card
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter cashback-135
10.99
0
js-table-filter no-annual-fee-238
js-table-filter card-type-12

  • Cashback
  • No Annual Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 10.99%
Balance Transfer APR 10.99% - 22.99% var. APR%
000
js-table-filter bizname-us-bank--gymboree-visa
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter cashback-135
640
js-table-filter every-purchase-138
14.24
js-table-filter no-annual-fee-238
js-table-filter card-type-12

Est. 1929

  • Cashback
  • Every Purchase
  • No Annual Fee
Card Type Balance Transfer
Card Type Rewards
Credit Score Range 640
Purchases APR 14.24%
Balance Transfer APR 14.24%
006
js-table-filter bizname-us-bank--cache-visa-card
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter points-137
11.24
0
js-table-filter no-annual-fee-238
js-table-filter card-type-12

  • Points
  • No Annual Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 11.24%
Balance Transfer APR 11.24% - 23.24% var. APR%
000
js-table-filter bizname-us-bank--aeromexico-visa-secured-card
js-table-filter air-miles-136
js-table-filter airlines-140
25
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter ccard-type-138
640
js-table-filter gas-139
js-table-filter groceries-141
23.24
js-table-filter no-annual-fee-first-year-225
js-table-filter card-type-12

Est. 1929

  • Air Miles
  • Airlines
  • Gas
  • Groceries
  • No Annual Fee First Year
Annual Fee $25
Card Type Balance Transfer
Card Type Rewards
Card Type Secured
Credit Score Range 640
Purchases APR 23.24%
Balance Transfer APR 23.24%
006
js-table-filter bizname-us-bank--lanpass-visa-secured-card
js-table-filter air-miles-136
js-table-filter airlines-140
45
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter ccard-type-138
300
13.24
js-table-filter no-annual-fee-first-year-225
js-table-filter card-type-12

Est. 1929

  • Air Miles
  • Airlines
  • No Annual Fee First Year
Annual Fee $45
Card Type Balance Transfer
Card Type Rewards
Card Type Secured
Credit Score Range 300
Purchases APR 13.24%
Balance Transfer APR 13.24%
006
js-table-filter bizname-us-bank--lifemiles-visa-secured-card
js-table-filter air-miles-136
25
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter ccard-type-138
16.24
0
js-table-filter no-annual-fee-first-year-225
js-table-filter card-type-12

  • Air Miles
  • No Annual Fee First Year
Annual Fee $25
Card Type Balance Transfer
Card Type Rewards
Card Type Secured
Purchases APR 16.24%
Balance Transfer APR 16.24% var. APR%
000
js-table-filter bizname-us-bank-flexperks-travel-rewards-visa-signature-card
js-table-filter airlines-140
49
js-table-filter ccard-type-223
js-table-filter ccard-type-136
700
js-table-filter gas-139
js-table-filter groceries-141
js-table-filter points-137
14.24
js-table-filter restaurants-142
js-table-filter travel-143
js-table-filter no-annual-fee-first-year-225
js-table-filter card-type-12
js-table-filter no-foreign-currency-transaction-fee-237

Est. 1929

  • Airlines
  • Gas
  • Groceries
  • Points
  • Restaurants
  • Travel
  • No Annual Fee First Year
  • No Foreign Transaction Fee
Annual Fee $49
Card Type Travel
Card Type Rewards
Credit Score Range 700
Purchases APR 14.24%
Balance Transfer APR 14.24%
006
js-table-filter bizname-us-bank--aeromexico-visa-card
js-table-filter air-miles-136
js-table-filter airlines-140
45
js-table-filter ccard-type-137
js-table-filter ccard-type-136
700
js-table-filter gas-139
js-table-filter groceries-141
13.24
js-table-filter travel-143
js-table-filter no-annual-fee-first-year-225
js-table-filter card-type-12

Est. 1929

  • Air Miles
  • Airlines
  • Gas
  • Groceries
  • Travel
  • No Annual Fee First Year
Annual Fee $45
Card Type Balance Transfer
Card Type Rewards
Credit Score Range 700
Purchases APR 13.24%
Balance Transfer APR 13.24%
006
js-table-filter bizname-us-bank--skyblue-skypass-visa-credit-card
js-table-filter air-miles-136
js-table-filter airlines-140
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
640
13.24
js-table-filter no-annual-fee-238
js-table-filter card-type-12

Est. 1929

  • Air Miles
  • Airlines
  • No Annual Fee
Card Type Balance Transfer
Card Type Rewards
Credit Score Range 640
Purchases APR 13.24%
Balance Transfer APR 13.24%
006
js-table-filter bizname-us-bank--aeromexico-visa-signature
js-table-filter air-miles-136
js-table-filter airlines-140
80
js-table-filter ccard-type-137
js-table-filter ccard-type-136
700
js-table-filter gas-139
js-table-filter groceries-141
13.24
js-table-filter no-annual-fee-first-year-225
js-table-filter card-type-12

Est. 1929

  • Air Miles
  • Airlines
  • Gas
  • Groceries
  • No Annual Fee First Year
Annual Fee $80
Card Type Balance Transfer
Card Type Rewards
Credit Score Range 700
Purchases APR 13.24%
Balance Transfer APR 13.24%
006
js-table-filter bizname-us-bank--skypass-visa-secured-card
js-table-filter air-miles-136
js-table-filter airlines-140
50
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter ccard-type-138
300
16.49
js-table-filter card-type-12

Est. 1929

  • Air Miles
  • Airlines
Annual Fee $50
Card Type Balance Transfer
Card Type Rewards
Card Type Secured
Credit Score Range 300
Purchases APR 16.49%
Balance Transfer APR 16.49%
006
js-table-filter bizname-us-bank--lanpass-visa-signature
js-table-filter air-miles-136
js-table-filter airlines-140
75
js-table-filter ccard-type-137
js-table-filter ccard-type-136
700
13.24
js-table-filter restaurants-142
js-table-filter no-annual-fee-first-year-225
js-table-filter card-type-12

Est. 1929

  • Air Miles
  • Airlines
  • Restaurants
  • No Annual Fee First Year
Annual Fee $75
Card Type Balance Transfer
Card Type Rewards
Credit Score Range 700
Purchases APR 13.24%
Balance Transfer APR 13.24%
006
js-table-filter bizname-us-bank--lifemiles-visa-signature-card
js-table-filter air-miles-136
js-table-filter airlines-140
75
js-table-filter ccard-type-137
js-table-filter ccard-type-136
700
12.99
js-table-filter no-annual-fee-first-year-225
js-table-filter card-type-12

Est. 1929

  • Air Miles
  • Airlines
  • No Annual Fee First Year
Annual Fee $75
Card Type Balance Transfer
Card Type Rewards
Credit Score Range 700
Purchases APR 12.99%
Balance Transfer APR 12.99%
006
js-table-filter bizname-us-bank--lifemiles-visa-card
js-table-filter air-miles-136
js-table-filter airlines-140
45
js-table-filter ccard-type-137
js-table-filter ccard-type-136
640
12.99
js-table-filter no-annual-fee-first-year-225
js-table-filter card-type-12

Est. 1929

  • Air Miles
  • Airlines
  • No Annual Fee First Year
Annual Fee $45
Card Type Balance Transfer
Card Type Rewards
Credit Score Range 640
Purchases APR 12.99%
Balance Transfer APR 12.99%
006
js-table-filter bizname-us-bank--lanpass-visa-card
js-table-filter air-miles-136
js-table-filter airlines-140
45
js-table-filter ccard-type-137
js-table-filter ccard-type-136
640
13.24
js-table-filter no-annual-fee-first-year-225
js-table-filter card-type-12

Est. 1929

  • Air Miles
  • Airlines
  • No Annual Fee First Year
Annual Fee $45
Card Type Balance Transfer
Card Type Rewards
Credit Score Range 640
Purchases APR 13.24%
Balance Transfer APR 13.24%
006
js-table-filter bizname-us-bank-flexperks-travel-rewards-visa-signature
js-table-filter airlines-140
49
js-table-filter ccard-type-137
js-table-filter ccard-type-136
700
js-table-filter gas-139
js-table-filter groceries-141
js-table-filter points-137
14.24
js-table-filter no-annual-fee-first-year-225
js-table-filter card-type-12

Est. 1929

  • Airlines
  • Gas
  • Groceries
  • Points
  • No Annual Fee First Year
Annual Fee $49
Card Type Balance Transfer
Card Type Rewards
Credit Score Range 700
Purchases APR 14.24%
Balance Transfer APR 14.24%
006
js-table-filter bizname-us-bank-visa-platinum
0
js-table-filter ccard-type-139
js-table-filter ccard-type-137
js-table-filter ccard-type-136
700
10.24
0
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-12

Est. 1929

  • No Annual Fee
  • 0% Introductory APR
Card Type Low APR
Card Type Balance Transfer
Card Type Rewards
Credit Score Range 700
Purchases APR 10.24%
Balance Transfer APR 10.24%
Intro APR period (months) 12
006
js-table-filter bizname-korean-air-skypass-visa-signature-card
js-table-filter air-miles-136
js-table-filter airlines-140
80
js-table-filter ccard-type-137
js-table-filter ccard-type-136
700
js-table-filter every-purchase-138
13.24
js-table-filter restaurants-142
js-table-filter travel-143
js-table-filter card-type-12
js-table-filter no-foreign-currency-transaction-fee-237

Est. 1984

  • Air Miles
  • Airlines
  • Every Purchase
  • Restaurants
  • Travel
  • No Foreign Transaction Fee
Annual Fee $80
Card Type Balance Transfer
Card Type Rewards
Credit Score Range 700
Purchases APR 13.24%
Balance Transfer APR 13.24%
006
js-table-filter bizname-korean-air-skypass-visa-classic-card
js-table-filter air-miles-136
js-table-filter airlines-140
50
js-table-filter ccard-type-137
js-table-filter ccard-type-136
700
js-table-filter every-purchase-138
13.24
js-table-filter card-type-12

Est. 1984

  • Air Miles
  • Airlines
  • Every Purchase
Annual Fee $50
Card Type Balance Transfer
Card Type Rewards
Credit Score Range 700
Purchases APR 13.24%
Balance Transfer APR 13.24%
006
js-table-filter bizname-us-bank-secured-visa
29
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter ccard-type-138
300
19.24
js-table-filter card-type-12

Est. 1929

Annual Fee $29
Card Type Balance Transfer
Card Type Rewards
Card Type Secured
Credit Score Range 300
Purchases APR 19.24%
Balance Transfer APR 19.24%
006
js-table-filter bizname-us-bank-cash
js-table-filter airlines-140
0
js-table-filter ccard-type-222
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter cashback-135
700
js-table-filter every-purchase-138
js-table-filter gas-139
js-table-filter groceries-141
13.24
js-table-filter restaurants-142
js-table-filter travel-143
0
js-table-filter no-annual-fee-238
js-table-filter card-type-12

Est. 1929

  • Airlines
  • Cashback
  • Every Purchase
  • Gas
  • Groceries
  • Restaurants
  • Travel
  • No Annual Fee
Card Type Cash Back
Card Type Balance Transfer
Card Type Rewards
Credit Score Range 700
Purchases APR 13.24%
Balance Transfer APR 13.24%
Intro APR period (months) 12
006
js-table-filter bizname-webster-bank-visa-platinum-card
js-table-filter air-miles-136
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter cashback-135
750
js-table-filter every-purchase-138
js-table-filter points-137
10.24
js-table-filter travel-143
0
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-12

Est. 1935

  • Air Miles
  • Cashback
  • Every Purchase
  • Points
  • Travel
  • No Annual Fee
  • 0% Introductory APR
Card Type Balance Transfer
Card Type Rewards
Credit Score Range 750
Purchases APR 10.24%
Balance Transfer APR 10.24%
Intro APR period (months) 12
006
js-table-filter bizname-club-carlson-premier-rewards-visa-signature-card
75
js-table-filter ccard-type-136
640
js-table-filter every-purchase-138
js-table-filter points-137
14.24
js-table-filter travel-143
js-table-filter card-type-12

  • Every Purchase
  • Points
  • Travel
Annual Fee $75
Card Type Rewards
Credit Score Range 640
Purchases APR 14.24%
Balance Transfer APR 14.24%
006
js-table-filter bizname-us-bank-123-rewards-visa-card
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
640
js-table-filter groceries-141
js-table-filter points-137
14.24
js-table-filter no-annual-fee-238
js-table-filter card-type-12

Est. 1929

  • Groceries
  • Points
  • No Annual Fee
Card Type Balance Transfer
Card Type Rewards
Credit Score Range 640
Purchases APR 14.24%
Balance Transfer APR 14.24%
014
js-table-filter bizname-us-bank--harleydavidson-visa-secured-card
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter ccard-type-138
300
js-table-filter gas-139
js-table-filter points-137
23.24
js-table-filter restaurants-142
js-table-filter travel-143
js-table-filter no-annual-fee-238
js-table-filter card-type-12

Est. 1929

  • Gas
  • Points
  • Restaurants
  • Travel
  • No Annual Fee
Card Type Balance Transfer
Card Type Rewards
Card Type Secured
Credit Score Range 300
Purchases APR 23.24%
Balance Transfer APR 23.24%
024
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I use this card enough to get my normal services done at the dealer for the points given off this card.


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