Harley-Davidson® Visa® Secured Card review

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Advertiser Disclosure

Interest Rate: Purchases
22.99% (Variable)
Balance Transfer
22.99% (Variable)
1 point
Signup Bonus

Informr score
The Harley-Davidson® Visa® Secured Card currently has an Informr score of 7 out of 10. This score is based on our evaluation of 6 sources including reviews from users and the web's most trusted critics.

Am I eligible?

Harley-Davidson® Visa® Secured Card is typically available to those with poor credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA
Yes Provide a minimum security deposit of $300.

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


Chopper enthusiasts stand to benefit the most from the Harley Davidson Secured Visa credit card, which rewards cardholders with one point per dollar and the chance to win a motorcycle with every purchase.

- Kelli Bamforth, CreditCards.com

The U.S. Bank Harley-Davidson Visa Secured card lets you earn rewards on purchases while building or rebuilding your credit. It has no annual fee, and each time you use the card you’ll be entered in a sweepstakes to win a Harley-Davidson motorcycle.

- Miranda Marquit, Investopedia

If you’re looking to build your credit and improve your overall financial health, a secured credit card can get you there — especially one that reports to the three credit bureaus. The no-annual-fee Harley-Davidson Visa Secured Card comes with rewards toward merchandise, unlike similar secured cards...

- Finder
Wise Bread

Best for Harley-Davidson fans in the process of establishing or rebuilding credit, and are diligent in paying their balances in full each month. Although the card offers a number of perks and has no annual fee, these perks lose a significant amount of value if you are paying a high APR.

- Christina Majaski, Wise Bread

The Harley-Davidson Visa Signature Card is a decent credit card for motorcycle fans. It provides good rewards in popular categories, including gas stations, restaurants, bars, hotels, and Harley-Davidson dealerships. However, all the points this card awards are only redeemable for Harley-Davidson gi...

- Robert Harrow, ValuePenguin


Interest Rates
Regular APR Interest Rate 22.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 22.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 23.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee 3%

Minimum of $5

Cash Advance Fee 3%

Minimum of $10

Foreign Transaction Fee 2%

Of each transaction in U.S. dollars.


Of each transaction in foreign currencies.

Over Limit Fee $0.00
Late Payment Fee $40.00


Sign up bonus No
All Purchases 1 point per $1 spent
Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Additional Details

You could win a new motorcycle with the H-D Visa Free Ride Sweepstakes.

Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty No
Purchase Protection No
Zero Liability Yes
No Foreign Transaction Fees No
Emergency Assistance Yes
Concierge Service No
Price Protection No
Fraud Protection Yes
Free Credit Scores Yes
Wireless Payments No
Virtual Cards No
Additional Benefits

Emergency Cash and Card Replacement

Minimum Security Deposit $300
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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