Harley-Davidson® Visa® Secured Credit Card

For People with
Bad Credit



The Harley-Davidson Visa Secured Credit Card from U.S. Bank can help you build a solid credit rating while earning exclusive Harley-Davidson rewards. It’s a secured credit card, so your credit line will be equal to the amount of money you deposit when you get your card.

For every purchase you make using your card you’ll get 1X H-D Genuine Rewards point per dollar, as well as one entry into the monthly H-D Visa Free Ride Sweepstakes. So if you use your card at least once a month, you’ll have 12 chances to win a new bike every year.

This card has no annual fee.

Card Quick Facts

Card Quick Facts

  • 1X H-D Genuine Rewards point per dollar spent on all purchases
  • Redeem 2,500 points for $25 in Harley Chrome® Cash
  • Every single purchase you make earns you one entry into the H-D Visa Free Ride Sweepstakes
  • Get your VantageScore 3.0 credit score for free, based on your TransUnion credit report
  • No annual fee

For People with
Bad Credit



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Want to pay a bill or check your balance?

Card Details



  • 1X H-D Genuine Rewards point per dollar spent on all purchases
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 25.24% Variable
Intro Purchase APR -
Foreign Transaction Fee 3%
Chip Technology Chip-and-Signature
Minimum Credit Limit $300
Maximum Credit Limit $5,000
Free Credit Score Yes
Penalty APR None
Late Fee Up to $39
Returned Payment Fee Up to $35
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR 25.24% Variable
Balance Transfer Fee 3%, $5 minimum
Cash Advances

Cash Advances

Cash Advance APR 26.24% Variable
Cash Advance Fee 3%, $10 minimum

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • H-D™ Visa Free Ride Sweepstakes

    Automatically enter when you sign up for your card, and earn one entry for every purchase you make.

  • VantageScore® Credit Score

    Get your VantageScore 3.0 credit score for free, based on your TransUnion credit report.

  • Visa Benefits

    You will be provided with a list of benefits available to you once you get approved for your card.

  • Fraud Protection

    You will not be held responsible for unauthorized use of your card.

  • Emergency Card Replacement

    Visa will work with your bank to get you a card replacement ASAP — within 24 to 72 hours.

  • Emergency Cash Disbursement

    Visa can arrange a wire cash transfer to your local Western Union bank within two hours of approval from your bank.

  • Lost/Stolen Card Reporting

    Immediately report your card stolen or lost by calling 1-800-847-2911.

  • Auto Rental Collision Damage Waiver

    Collision damage and theft are covered for auto rentals, when you pay with your card and decline the rental company’s own insurance.

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