Harley-Davidson Visa Credit Card Review

Harley-Davidson® Visa® Credit Card Earn 3 points for every $1 spent at Harley-Davidson® dealerships Earn 2 points for every $1 spent at gas stations, restaurants, bars, and lodging merchants Earn 1 point for every $1 everywhere else, redeem points for Harley Chrome® Cash No limit to how much Harley Chrome® Cash you can earn Chances to win a new Harley-Davidson® motorcycle every month No Annual Fee Go to issuer's official application, terms, and details Intro APR for Purchases Intro APR for Balance Transfer Regular APR Annual Fee N/A N/A 13.99% - 22.99% (Variable) $0

Rewards Program

Every time you buy something on the Harley-Davidson Visa Credit Card, you earn reward points. This card has many bonus categories. You earn 3 points for every $1 you spend at Harley-Davidson dealerships and 2 points for every $1 you spend at gas stations, restaurants, bars, and lodging merchants. This card earns 1 point for every $1 spent on other eligible purchases. There is no limit to the number of points you can earn per year and the bonus rates apply to all your purchases; they don’t have an annual limit either.

Once you have enough points, you can convert them into Harley Chrome Cash. This is money you can spend at Harley-Davidson dealerships. Every 2,500 points you earn gets you $25 in Chrome Cash. If you use your card often, you’ll have plenty of extra money to spend on your favorite hobby.

Monthly Contest

When you have this card, you are also eligible for a special contest. Each month, Harley-Davidson will raffle off one of its motorcycles as a reward for its cardholders. Every bike is worth more than $10,000 so this could be a huge extra bonus.

To enter the raffle, you just need to spend money on your card. Every dollar you spend on your card gives you one extra entry in the monthly contest. By using your Harley-Davidson Visa Card on all your purchases, you’ll give yourself the best chance of winning a new bike.

No Signup Bonus

The only knock against the Harley-Davidson Visa Credit Card is that it doesn’t offer any sort of signup bonus. You don’t receive any bonus points after your first purchase on this card. In addition, this card doesn’t offer any sort of 0% introductory APR so be sure to pay off your balance each month.

The good news is that this card also doesn’t charge an annual fee. This is a great trade-off for people who don't plan to carry a balance.

Pros

• Earns reward points on all your purchases; points are good for Harley Chrome Cash
  
• Earns triple points at Harley-Davidson dealerships and double points at gas stations, restaurants, bars, and lodging merchants
  
• Monthly contest to win a new Harley-Davidson motorcycle
  
• No annual fee

Cons

• No signup bonus
  
• No 0% introductory APR

Bottom Line

For Harley-Davidson enthusiasts, this card is a great deal. It helps you earn points toward all kinds of Harley-Davidson merchandise and doesn’t charge an annual fee.