Our pick for
Poor credit or no credit
Recommended Credit Score
(Poor - Average)
- Earn one H-D™ Genuine Rewards point for every $1 in net purchases
- Redeem 2,500 points for a $25 H-D™ Gift Card
- Every purchase on your card earns you an entry for a chance to win a motorcycle in our H-D™ Visa Free Ride Sweepstakes
- No Annual Fee
- Zero Fraud Liability
- Fraud Protection
- Auto Rental Collision Damage Waiver
- Online Banking
- Automatic Bill Pay
- View Rates and Fees
ProsThe annual fee is $0. It earns 1 point per dollar spent. Rewards are redeemable for Harley-Davidson gift cards, which you can redeem at dealerships or online at the Harley-Davidson store. (Once you accumulate 2,500 points, you get a $25 gift card.)
ConsThe minimum opening deposit is $300, higher than many other secured cards require, which can be an obstacle for some. If you're not a Harley enthusiast, the rewards probably won't be of much interest — but again, it's not like you're paying for those rewards with an annual fee.
Why We Like It
If your credit score is in the slow lane, a secured card can help fast-track you to success. The Harley-Davidson® Visa® Secured Card is an intriguing choice for its lack of an annual fee and its ability to earn rewards; both are rare when it comes to secured cards.
Last updated on April 1, 2020
NerdWallet's credit cards team selects the best cards in each category based on overall consumer value. Factors in our evaluation include fees, promotional and ongoing APRs, and sign-up bonuses; for rewards cards, we consider earning and redemption rates, redemption options and redemption difficulty. A single card is eligible to be chosen in multiple categories.