Harley-Davidson® Secured Credit Card

harley davidson secured credit card
Required Credit Score:
Minimum. Security Deposit:
3 480 reviews   Write a Review
Existing Cardholders

Harley-Davidson® Secured Credit Card’s Key APRs & Fees

  • REGULAR RATE 22.99% (V)
  • GRACE PERIOD 24 days

Harley-Davidson® Secured Credit Card’s Rewards

$10 Certificate
Base Earn
1 point / $1
Max Earn
1 point / $1
Earn / Redeem Limit
  • Earn H-D™ Genuine Rewards points - Get 1 point per $1 net purchase.
  • Redeem 2,500 points for a $25 H-D™ Gift Card.
  • Receive a $10 Harley-Davidson Genuine Rewards Certificate.

Harley-Davidson® Secured Credit Card’s Highlights

  • To fund your Secured Card, you can choose to: Fund online using your Checking or Savings Account and Print an application and mail a Cashier's Check or Money Order.
  • 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.
  • Automatic Bill Pay.

Harley-Davidson® Secured Credit Card’s Additional Info

  • MAX LATE FEE   $38
    23.99% (V)
    3% (min $10)
Apply Now
at U.S. Bank’s
secure site
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Harley-Davidson® Secured Credit Card Reviews

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Overall Rating: 3.1 / 5
Total Ratings: 480
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Aug 6, 2014
Photo of Brutus S.
Aug 6, 2014
I really like the Harley-Davidson brand, so I'm happy to see that they have a secured credit card available on cardhub.com. I was going to choose the Capital One Secured card, but Capital One's card does not have a REWARDS PROGRAM. You get 1 point for every $1 spent that can be used for Harley's gift certificates or chrome cash. I also appreciate that the Harley-Davidson card does not have an annual fee. I don't think we should pay a yearly fee for a card unless it's interest free. The only other major difference beteween the two cards is that Harley-Davidson has a 3% foreign transaction fee and Capital one more
Aug 23, 2013
Photo of Michael M.
Aug 23, 2013
The Harley-Davidson Secured Credit Card is an excellent card to have when you are trying to repair your credit. It offers no annual fee or no monthly fee to have this credit card, this is huge to me because I hate paying any unneeded monthly fees. Especially when you are trying to fix your credit and you need all the help you can get. You do have to make a deposit and the deposit is also your credit spending limit. This is a good thing, because you will never overspend and run up debt you cannot afford, you are trying to fix your credit after all. Harley-Davidson Secured Credit Card more
Jan 14, 2013
Photo of Joe W.
Jan 14, 2013
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:


- 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 more
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+477 users submitted a rating without a full review
Sep 11, 2014
Photo of Dirk P.
Sep 11, 2014
Is this card guaranteed approval when the deposit is made?
Oct 17, 2014
Photo of Card H.
Oct 17, 2014
It’s better if you call customer service at 800-699-2281. They should be able to help you.
Jul 17, 2014
Photo of Eric R.
Jul 17, 2014
When does the 300 dollars have to be deposited to the card?
Jul 29, 2014
Photo of Card H.
Jul 29, 2014
The security deposit has to be sent at the time you submit your application. There are two options: a) you can send a cashier’s check or money order by mail, b) you can use your checking/savings account. In this case transferring the money may take up to five business days.
Jul 23, 2013
Photo of Jessica M.
Jul 23, 2013
Does the Harley Davidson Secured Credit Card report to all 3 credit bureau agencies?
Jul 24, 2013
Photo of Card H.
Jul 24, 2013
Your best bet is to call Hardley Davidson Cardmember Services at 800-699-2281.
Jun 11, 2013
Photo of Jeremy J.
Jun 11, 2013
Could one obtain multiple H-D Secured Credit Cards? For example, could I open 3 or 4 accounts with $300 each if I wanted?
Jun 21, 2013
Photo of Card H.
Jun 21, 2013
It depends on the bank in question, but most likely no. A bank would not issue the same type of credit card to the same Social Security number twice.
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Last updated on: Mar 16th, 2015 at 5:59 EDT