- Minimum Credit Required: Bad
- Network: VISA
- Online Response:No
- Secured Credit Card:Min Deposit of $300
- You can fund your Secured Card credit line with a Cashier's Check, Money Order, or through an online funds transfer from a deposit account (such as a Checking or Savings account) at any financial institution. You may fund your account anywhere from $300 to $5,000. Once you're approved, US Bank will send you a credit card. Your credit line will be the same amount as your deposit. It looks and works just like any other credit card.
- The deposit is used to open a U.S. Bank Savings account to ensure your card can be paid. The savings account is FDIC-insured, earns interest and won't be touched as long as your account remains open and in good standing.
- When you've managed all of your credit obligations responsibly consistently for 12 months, you'll be well on your way to a strong credit standing, and we may be able to move you to an unsecured credit card product.
- Auto Rental Collision Damage Waiver
- Zero Fraud Liability - You're not liable for unauthorized purchases on your Harley Visa Card
|Annual Fee None||Monthly Fee None||One-time Fees None|
|Purchase Rate 22.99% (V)||Grace Period 24 days|
|Cash Advance Rate 23.99% (V)||Cash Advance Fee 3% (min $10)|
|Initial Bonus $10 Harley Chrome® Cash certificate||Base Earn 1 point / $1||Max Earn 1 point / $1||Earn / Redeem Limit No|
- Earn H-D™ Genuine Rewards points - Get 1 point per $1 net purchase.
- Redeem 2,500 points for $25 in Harley Chrome® Cash.
- Receive a $10 Harley Chrome® Cash certificate.
|Max Late Fee $35||Max Overlimit Fee None||Max Penalty APR None|
If you currently have the Harley-Davidson® Secured Credit Card and are satisfied or you like the terms of this credit card offer please let your friends know.
Share your experiences, thoughts or just ask a question:
- Jeremy Jameson:
Could one obtain multiple H-D Secured Credit Cards? For example, could I open 3 or 4 accounts with $300 each if I wanted?
June 11, 2013 at 10:56pm
- Joe Weider:
You know what? I feel bad for anyone out there who needs to build up their credit score but either hasn’t yet come across the Harley Davidson Secured Credit Card or just overlooked it because of its motorcycle branding. I mean, the Harley Davidson Card is the best secured credit card on the market, in my opinion. Here’s why: Background: - Secured credit cards are generally recognized as the best credit building vehicles because they report to the major credit bureaus and tend to have lower fees as well less strict approval criteria than other cards targeted to people with no credit or damaged credit. The reason for that is you’re required to place a refundable security deposit that acts as your credit line, preventing you from spending more than you can afford to pay back and shielding the issuer from risk. - Nevertheless, most secured cards charge tens of dollars in annual fees, and rewards are virtually unheard of in this card segment. -The biggest priority for secured card users is to minimize costs in order to save as much money as possible for when they can actually get attractive rewards and low rates (you often have to pay an annual fee to get the best terms, even when you have excellent credit). Harley Card: - The Harley Davidson Secured Credit Card does not charge an annual fee, which means it offers free credit building. It’s the only secured card issued by a major bank (as opposed to a credit union) that does not charge an annual fee. - The Harley Card also gives you some rewards on each dollar you spend. - U.S. Bank (the issuer of the Harley Davidson Secured Card) will automatically review your account for a potential upgrade after 12 months of responsible use. - You can place a deposit between $300 and $5,000. The ability to essentially give yourself that much available credit (remember, your deposit equals your credit line) means you can boost your credit building efforts at will. Who should use it: Secured cards are generally best for people who haven’t had much experience using credit or who’ve made mistakes in the past. For those in the “inexperienced” bucket, it’s important to note that you might want to check out a good unsecured card for newcomers (such as the Capital One Cash Rewards for Newcomers Card) or a student credit card first and only apply for a secured card if you don’t get approved or want some forced spending discipline. If you have “bad” credit, a secured card is likely your best bet. The only caveat is if you need an emergency line of credit (for example, to pay car bills in order to get to work). The Harley Davidson Card, like most other secured cards, won’t help in that regard because you’re putting down the money for your credit line. The Capital One Secured Card could be of help because it’s a partially secured card, which means the credit line for which you’re approved might exceed your deposit. Otherwise, you’re stuck with an unsecured credit card for bad credit.
January 14, 2013 at 11:25pm
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Before applying for a credit card we recommend that you review and verify the credit card terms and conditions on the credit card company's web site. Please let us know if you find any differences related to the Harley-Davidson® Secured Credit Card shown on this page.
The card information shown on this page was last updated: June 3rd, 2013 at 9:51 EDT
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