Harley-Davidson® Visa® Secured Credit Card

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  • Annual Fee $0
  • Chip Technology None
  • Regular APR 22.99% (Variable)
  • Foreign Transaction Fee 2% or 3%

Whether you haven’t established credit yet or you’ve had credit difficulties in the past, the Harley-Davidson®Visa Secured Credit Card from US Bank can help you build a solid credit rating while earning exclusive Harley-Davidson® rewards.

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Benefits and Features

The Harley Davidson Visa Secured Credit Card is ideal for Harley fans looking to earn rewards while safely building or reestablishing credit. Cardmembers earn one H-D™ Genuine Rewards point per $1 in net purchases, with 2,500 points worth $25 in Harley Chrome® Cash. You’ll also get a bonus $10 Harley Chrome® Cash certificate, plus a chance to win a new motorcycle with the H-D™ Visa Free Ride Sweepstakes.

This is a secured card, so you’ll have to provide backup funds to apply. You can use a checking or savings account online, or send an application with a cashier’s check or money order (expect to start with at least $300 to be approved). Visa then sends a card with a credit line equaling that deposit, which is used to open a US Bank savings account that remains untouched as long as your account is open and in good standing.

Just like any other credit card, you’ll get a monthly bill for any purchases you make, and you’ll need to pay at least the monthly minimum (payments won’t be deducted from your savings account).

This card has no annual fee and a variable 22.99% APR. Cash advances have a variable APR of 23.99%, with a fee of $10 or 3% of the advance amount, whichever is greater. Late or returned payments incur a fee of up to $35.

With this card, zero fraud liability means you’re not responsible for any fraudulent purchases, and you get fraud protection to monitor your card for any suspicious activity. The card also features travel benefits like travel and emergency assistance and auto rental collision damage waiver.

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