Updated August 5, 2014

Harley-Davidson Visa Credit Card Review

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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 (depending on creditworthiness), so don't hit the road without considering this card.

8/18/2014 Update: We're sorry, Harley-Davidson® Visa® Credit Card is no longer available on CreditDonkey. This offer may have been discontinued or may no longer be available to new applicants.

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 based on creditworthiness
  • 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 Davidson Gift Cards. 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 (depending on your creditworthiness). 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-Davidson Gift Cards
  • 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 depending on your creditworthiness

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 (depending on your creditworthiness).

8/18/2014 Update: We're sorry, Harley-Davidson® Visa® Credit Card is no longer available on CreditDonkey. This offer may have been discontinued or may no longer be available to new applicants.

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Editorial Note: This content is not provided by U.S. Bank. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by U.S. Bank. 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 August 5, 2014. 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.

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Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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