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Updated November 13, 2013

Harley-Davidson Visa Credit Card Review


With 2 points for every $1 spent at gas stations, restaurants, bars, and lodging merchants, the Harley-Davidson Visa Credit Card is a great fit for the biker lifestyle. There is no annual fee, so don't hit the road without considering this card.

Harley-Davidson Visa Credit Card
Apply for 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
Point RewardsDining RewardsGas RewardsNo Limits on Rewards
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
13.99% - 22.99%* (Variable)
$0

Overall Score

3.8

Rewards

4.0

Interest Rates

3.5

Fees

4.0

Benefits

3.5
5-point scale (the higher, the better)

Pros and Cons

  • 2 points per $1 spent at gas stations, restaurants, bars, and lodging merchants
  • Monthly contest
  • No annual fee
  • No signup bonus
  • No introductory APR

Bottom Line

Excellent credit card for motorcycling lifestyle

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.

Next Step: View the issuer's official application, terms, and details

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Disclaimer: This content is not provided or commissioned by the company whose products are featured on this site. Any opinions, analyses, reviews or evaluations provided here are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by the Advertiser. This site may be compensated through the Advertiser's affiliate programs.

Disclaimer: This content was first published on March 15, 2013. This content may have been updated on November 13, 2013. Information including APR, terms and benefits may vary, be out of date, or not applicable to you. Information is provided without warranty. Please check U.S. Bank website for updated information.

More Articles in Reviews

Harley-Davidson Visa Credit Card
Apply for 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
Point RewardsDining RewardsGas RewardsNo Limits on Rewards
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
13.99% - 22.99%* (Variable)
$0

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Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program.