Harley-Davidson® Visa® Secured Card

Harley-Davidson® Visa® Secured Card

Harley-Davidson® Visa® Secured Card

Harley-Davidson® Visa® Secured Card

Harley-Davidson® Visa® Secured Card

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Card details

  • Earn 1X points at H‑D and gas stations

  • Earn 1X points at restaurants, bars and lodging

  • Earn 1X points everywhere else Visa is accepted

  • No Annual Fee

  • Build or repair credit

  • H.O.G.® members earn 1 point for every mile ridden

Rates, fees & offers

  • Annual fee

    $0

  • Rewards rate

    1x

  • Bonus offer

    N/A

  • Intro APR

    N/A

  • Ongoing APR

    APR: 24.49%, Variable

    Cash Advance APR: 27.49%, Variable

  • Balance transfer fee

    Either 3% of the amount of each transfer or $5 minimum, whichever is greater.

  • Foreign transaction fee

    2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars. 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency.

Recommended credit score

Compare to other cards

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
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Annual fee

$0

Annual fee

$0

Annual fee

$0

Regular APR

24.49%, Variable

Rates & Fees

Regular APR

23.74% Variable APR

Rates & Fees

Regular APR

18.00%, Variable

Rates & Fees

Intro APR

N/A

Intro APR

10.99% intro APR on Balance Transfers for 6 months

Intro APR

N/A

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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NerdWallet review

By Paul Soucy

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

Rating details

4

Editor's overall rating

Pros and cons

Pros
  • No annual fee

  • Qualify with limited/bad credit

Cons
  • No new cardholder bonus offer

  • No 0% intro APR

  • Rewards have limited flexibility

  • Requires minimum deposit

Unlike a lot of secured credit cards, the Harley-Davidson® Visa® Secured Card has an annual fee of $0, and it earns rewards.

You do have to put down a deposit, though. The minimum is $300 and the maximum is $5,000. You get that money back when you close your account in good standing.

The card 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.

For more information, see NerdWallet's review of this card.