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Harley-Davidson® Visa® Secured Card review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
28.24% (Variable)
Interest Rate: Purchases
28.24% (Variable)
Balance Transfer
28.24% (Variable)
Balance Transfer
28.24% (Variable)
1 point
1 point
Signup Bonus
Signup Bonus

Informr score
The Harley-Davidson® Visa® Secured Card currently has an Informr score of 7.1 out of 10. This score is based on our evaluation of 7 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...


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

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 Pate,
The Balance
The Balance

Designed for Harley fans who are new to credit or bouncing back from past credit mistakes, the low commitment Harley-Davidson Visa Secured card, issued by U.S. Bank, offers a unique alternative to no frills cards for credit builders. Unlike most secured cards, it offers modest rewards you can use to...

- Kelly Dilworth, Fernando Flores, The Balance
Wise Bread
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

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


Interest Rates
Regular APR Interest Rate 28.24% (Variable)

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

Balance Transfer Interest Rate 28.24% (Variable)

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

Cash Advance Interest Rate 29.99% (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 5%

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 $41.00


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
  • Earn 1 Point for every mile ridden (H.O.G. Member Exclusive)
  • Free Ride Sweepstakes: 1 Entry for every purchase, H.O.G. members get 2 entries per purchase
  • 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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