Best of

Best U.S. Bank Credit Cards

NerdWalletApril 1, 2020

At NerdWallet, we strive to help you make financial decisions with confidence. To do this, many or all of the products featured here are from our partners. However, this doesn’t influence our evaluations. Our opinions are our own.

NerdWallet's Best U.S. Bank Credit Cards

Our pick for

Poor credit or no credit

NerdWallet rating 

4.4

/5
US Bank Harley-Davidson Visa Secured Credit Card

Annual Fee

$0

Regular APR

24.49%, Variable

Intro APR

N/A

Recommended Credit Score

300-689
(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

Pros

The 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.)

Cons

The 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

Methodology

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.