Excellent Credit, Good Credit
Get 15,000 points (redeemable for a $150 H-D™ Gift Card) on spending $500 in eligible net purchases within the first 60 days of account opening.
Earn 3 points for every $1 net purchase at Harley-Davidson® dealerships, h-d.com/store, the H-D Museum™, Factory Tours and at gas stations.
Earn 2 points for every $1 net purchase at restaurants, bars and lodging merchants.
Earn 1 point for every $1 net purchase everywhere else.
Redeem 2,500 points for a $25 H-D™ Gift Card. Get MotorClothes® apparel, genuine parts and accessories, service and more.
When you refer friends to the H‑D Visa card earn $50 at H‑D for every friend who is approved and makes a purchase within the first 60 days. There's no limit to the number of friends you can refer. Terms Apply.
0% intro APR for 12 months, 17.99% - 26.99% (V) APR after that
0% intro APR for 12 months, 17.99% - 26.99% (V) APR after that
Balance Transfer Fee 3% (min $5)
Harley-Davidson® Credit Card Pros & Cons
0% intro APR on purchases
0% intro APR on balance transfers
Requires good/excellent credit
Harley-Davidson® Credit Card Review
- Not enough rewards appeal. The Harley-Davidson Visa Credit Card, also known as the HD Card, rewards you with 3 points / $1 spent at Harley dealerships, h-d.com/store, the H-D Museum™ and at gas stations; 2 points / $1 spent at restaurants, bars and lodging merchants; and 1 point / $1... show more
View 186 User Reviews
cash advance fee | 5% (min $10) |
cash advance APR | 28.99% (V) |
foreign transaction fee | 3% |
smart chip | Yes, chip-and-signature |
max late fee | $41 |
max overlimit fee | $0 |
max penalty APR | None |
grace period | 24 days |
at U.S. Bank's secure site
0% Introductory APR for 12 months for balances transferred within 30 days of account opening.
Benefits: Roadside Dispatch, Zero Fraud Liability, Travel and Emergency Assistance Services, Auto Rental Collision Damage Waiver and more.
Enjoy Visa Signature Perks. Certain limitations and restrictions may apply.
With every purchase you make on your card, you'll be entered for a chance to win a motorcycle. H.O.G.® members earn 2 entries per purchase. You’ll also have the chance to win a $500 H-D™ Gift Card at the end of the year.
at U.S. Bank's secure site
Can't find what you are looking for? Submit your question about Harley-Davidson® Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
You cannot check your Harley-Davidson Credit Card application status. You can, however, be instantly approved for it if you apply online. If you didn't, you should receive a decision in 7-10 business days. Sometimes the issuer needs more time to verify your
application, and might even call you to request additional information. View more answers The baseline minimum score to qualify for the Harley-Davidson Credit Card is 660, which is the bottom of the "good credit" range. But simply having a 660 credit score doesn't guarantee you of approval. Credit card companies take a lot of different factors into account when evaluating applicants, many of... The Harley-Davidson Credit Card's minimum payment is $30 or 1% of your balance, whichever is greater. Added to this are the
late fee, account fees, interest charges and any amount over your credit limit, if applicable. However, given the fact that this card has a higher-than-average APR and it... The APR for balance transfers ranges from 17.99% to 26.99% (V) depending on creditworthiness. The balance transfer fee is 3% or $5, whichever is greater. The Harley-Davidson Credit Card does a hard pull when you apply for it. You will need good or excellent credit to get approved. Unfortunately, there is no way to check your application status, but you
could receive an instant decision if you apply for it online. Otherwise, a decision should... thomas friedman, WalletHub Credit Card Analyst You can transfer a balance on the Harley-Davidson Credit Card. It even has a 0% intro APR for 12 months on balance transfers, but you will be assessed a balance transfer fee of 3% (min $5). Elijah Nash, WalletHub Analyst You can easily redeem your HD credit card rewards via the HD Visa mobile app. Select My Rewards from the menu and follow the instructions.Another way to do
it is from the web here: //www.h-dvisa.com/credit/genuineRewards.do, click the My Rewards tab, then click Redeem Rewards to begin the redemption process.Last but... US Bank may pull all three credit bureaus for the Harley Davidson Credit Card. In reality, lenders never disclose which bureaus they will use for approval, but generally at
least two versions of your credit report will be used. Maria Adams, Credit Cards Moderator The starting credit limit for the
Harley-Davidson® Credit Card is determined on a case-by-case basis. There isn't even a minimum limit listed in the card's terms and conditions. For the most part, it all comes down to your credit history, income and debt. This means you won't know what your...
How do I check my Harley-Davidson
Credit Card application status?
What are the Harley Davidson credit card credit score requirements?
How much is the Harley-Davidson Credit Card minimum payment?
Is there
0% balance transfers??
Does the Harley-Davidson Credit Card do a hard pull?
Can I do a balance transfer with the Harley-Davidson Credit Card?
How can I redeem my Harley Davidson credit card rewards?
Which credit bureau does the Harley-Davidson Visa credit card use for approval?
What credit score is needed for HD card
What's the starting credit limit for the Harley-Davidson Credit Card?
Share your insights and review the Harley-Davidson® Credit Card
What's Your Rating?
Natasha Bitner
November 5, 2021 • @natasha227
1 Star Rating
Little to no perks with having this card. Customer service is very difficult to work with (they obviously work from home and read from a script). I had a double charge from a retailer and they had the nerve to tell me to "take it up with them." It was from a month prior so after holding forever to speak with HD I then called the restaurant who was WAY WAY more helpful with resolving the dispute. Interest is high after initial promo (the only reason I got this stupid card) so I will most likely cancel then. Website if difficult to log in and work with. App is slow and has lots of bugs. When I make my payment I get no email or number to even confirm that it was received. My husband has had his compromised twice in 4 years. Not a good company and the worst customer service.
Comment
Jennifer Chandler
March 13, 2021 • @2015mariec
1 Star Rating
I acquired this card 2/2018 its been the same amount with no increase. We are now 3/2021 and the account is always paid in full, when requested an increase, I was denied yet I have good credit.
Not so interested anymore
Comment
Randy Dickson
December 21, 2020 • @randy_19622003
1 Star Rating
When they switched from US Bank, everything went downhill. I signed up for auto pay a couple of months ago. The next billing cycle they dinged me a late fee and submitted a negative note on my credit history - even though they didn’t get the auto-pay processed. This month I paid more than the min amount due early trying to get the balance down. On their app, it kept showing $0.00 due. Then yesterday they automatically deducted $121.00 from my checking account as an auto pay - even when there was no payment due. I called to see why and the person I spoke to was EXTREMELY rude! She said they could do that because it was in their “Terms and Conditions.” I’m done with them. I will be opening another cc account and transferring what little balance remains. Pay no attention to what they say you’ll be paying in interest. They’ll get to you any way they can.
Comment
Sushil Sharma
October 27, 2020 • @countryboymike
5 Star Rating
Verified CustomerApplied for card Oct 24th and Was approved for 1K at 0% for a year and happy with the service. U.S. Bank was one of the only banks to give me trust out there with a 669 Trans score that did not want hight interest.
Comment
ktmlogistics2015
June 26, 2020 • @ktmlogistics2015
1 Star Rating
Thought it was going to be a hood thinv. Had it bout year n a half. Never missed a payment. Paid it off and they lowered my limit by $3500 because they saw my credit acore drop a little even though i made all my payments and paid it off more then once. Just beware because they will do what ever they feel in necessary.
Comment
Joseph L
May 27, 2020 • @PetRiLJoe
5 Star Rating
This is not so much a review as i don't have the card but I plan on adding it to my collection when I'm done gardening. My credit profile needs beefing up a bit. So the above review glances over the fact that you also may earn points my registering your Harley Davidson motorcycle at any shop, then you drive and for each mile you earn a point, so 2500 miles would be 2500 points and that's a $25 HD gift card. So how many miles are you going to get out of your bike? That could be a lot of extra rewards and make it worth the hard pull on getting this credit card for you if you have a bike. That is all. -Joseph L PetRiLJoe
*edit 5/27 3:54pm Up to 50,000 miles per calendar year, $500 /year - still a good benefit on a card with no annual fee.
Comment
Teddy Jones
May 21, 2020 • @TMJ520
1 Star Rating
I've been a loyal HD Visa Customer for about 4 years now. I use the card to pay all my monthly bills plus travel and gas purchases. Harley just switched from the US Bank App and website to their own APP and website. The change is horrible. An unfriendly APP and when speaking with HD Customer Service, I was told to like it or use another card. They are loosing a really good customer.
Comment
stat11
March 13, 2020 • @stat11
1 Star Rating
Harley has advertised all over their magzine you get $175 gift card afyer spending $500 but US Bank wont issue more than a $150 gift card. US Bank forces you to prove it to them when they admit they already know about the error! Its just a way to cheat customers by US Bank! They suck. Rates even w top credit score are a rip off plus thwy offer not fraud protection! WTF? What cards dont beside this sorry card? Skip this card!
Comment
Kris Duttlinger
February 8, 2020 • @kd88976_1
1 Star Rating
Terrible customer service, my credit card payment was minutes late and they've charged me $68 in fees. I've asked for a courtesy waiver because I can't afford to catch this up but they keep adding more and more fees
Comment
kd88976
December 26, 2019 • @kd88976
1 Star Rating
Verified CustomerHorrible horrible card and terrible customer service. I paid on the due date but it was after 6:59 and got a late fee. I called customer service and they are not going to take off the late fee. I do not recommend this credit card.
Comment
Review Harley-Davidson® Credit Card
Harley-Davidson® Credit Card
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