For riders who spend at the dealership and fill up often, the Harley-Davidson credit card promises rewards that speak your language: points for gas, points for the miles you ride, and a gift card just for signing up. But behind the chrome, how good is the actual deal?
This review digs into the rewards, the APR, the fees, and the fine print so you can decide whether the Harley-Davidson Visa belongs in your wallet or just looks good on paper.
Key facts at a glance
| Feature | Details (as of July 2026) |
|---|---|
| Issuer | U.S. Bank |
| Network | Visa (spend anywhere Visa is accepted) |
| Annual fee | $0 |
| Rewards | 3x at H-D, gas, and EV charging; 2x dining, bars, lodging; 1x everything else |
| Welcome bonus | $100 H-D gift card after $500 spend in 90 days |
| Intro APR | 0% for 9 billing cycles on purchases and qualifying balance transfers |
| Regular APR | 17.49% to 30.49% variable |
| Foreign transaction fee | Up to 3% |
The Harley-Davidson Visa is a no-annual-fee rewards card that pays off best for active riders who spend regularly at H-D and on gas.
Who issues the Harley-Davidson credit card?
The Harley-Davidson Visa credit card is issued by U.S. Bank, and it runs on the Visa network. That is an important detail: unlike a store-only card that works at just one retailer, this is a full Visa you can use anywhere Visa is accepted. It just happens to earn its richest rewards on Harley-related and gas spending. In that respect it resembles other co-branded dealership Visas that pile on points at the brand's own stores.
Rewards: how you earn
The rewards structure is built for people who ride and drive. As of July 2026, the card earns:
- 3 points per dollar at Harley-Davidson, gas stations, and EV charging stations
- 2 points per dollar at restaurants, bars, and lodging
- 1 point per dollar on everything else
There is also a rider-specific perk. If you own a Harley-Davidson motorcycle and register your odometer at a qualifying dealership, you can earn an extra point per mile ridden, up to 50,000 points per calendar year. That is a genuinely unusual reward and one of the card's most distinctive features. If most of your riding gear and accessories come from a powersports dealer, it is worth weighing this against a dedicated powersports card too.
What are the points worth?
Points are redeemable toward Harley-Davidson merchandise, parts, accessories, and related purchases. The strongest value comes when you redeem inside the Harley ecosystem. If you rarely shop at H-D, the points become less useful, so honestly assess how often you actually spend there before you count the rewards as a win.
Since this is a rewards Visa that leans toward good-to-excellent credit, riders who are still building may want a card they can use everywhere without a deposit. The Aspire Mastercard is an unsecured starter card with no security deposit that works anywhere Mastercard is accepted, so you can spend broadly while building history.
Aspire® Cash Back Rewards Mastercard
Aspire® Cash Back Rewards Mastercard
Aspire® Cash Back Rewards Mastercard. Prequalify* For Up To $1000 Credit Limit. No security deposit. Packed with great benefits, it’s designed to give you more flexibility—and purchasing power—along with up to 3% cash back rewards!** Good anywhere Mastercard is accepted, it’s the go-to card for any lifestyle.
Standout feature
Up to 3% cashback rewards
Fees
$49 to $175; after that $0 to $49 annually; - $60 to $159 annually billed at $5 to $12.50 per month after the first year.
Pros
No Deposit Required. Prequalify for up to $1000 credit limit
Cons
High APR. 25.74% to 36%, based on your creditworthiness.
Welcome bonus
New cardholders can earn a $100 Harley-Davidson gift card after spending $500 within the first 90 days of opening the account. That is a modest but achievable bonus, and the low spending requirement means most riders can hit it without stretching their budget. Just remember the reward comes as an H-D gift card, not cash or a statement credit.
APR and intro offer
The card offers a 0% introductory APR for the first 9 billing cycles on purchases and on balance transfers made within 30 days of account opening. After that intro window, a variable APR of 17.49% to 30.49% applies, based on your creditworthiness.
That is a wide range. Riders with excellent credit may land near the bottom, while those with fair credit could see a rate close to the top. If you plan to carry a balance, that high end can erase your rewards quickly, so this card rewards people who pay in full each month. APRs vary by creditworthiness, and terms and conditions apply.
If a 17.49% to 30.49% APR feels out of reach right now, a no-deposit starter card can help you get there. Perpay offers an unsecured credit-building card with no security deposit and reports to the major bureaus, so responsible use can lift the score you will eventually need to qualify for a rewards Visa like this one.
Perpay Credit Card
Perpay Credit Card
Meet the only card powered by your paycheck. With automatic transfers from your paycheck, you can manage payments stress-free and build credit with ease.
Fee
$9/month plus $9 account opening fee
APR
Marketplace: 0% / Credit Card: 27.74% to 29.99% depending on your creditworthiness.
Minimum Deposit Amount
$0
Credit Check
No
Cashback
2% reward on purchases made in Perpay Marketplace
Benefit
2% rewards, no security deposit
Fees
Here is where the card earns some goodwill:
- Annual fee: $0
- Intro balance transfer fee: 3% of each transfer (minimum $5) within 30 days of opening
- Standard balance transfer fee: 5% of each transfer (minimum $5) afterward
- Foreign transaction fee: up to 3%
The lack of an annual fee is a real plus, because you do not need heavy spending to justify keeping the card. The foreign transaction fee, though, means this is not the card to bring on an international trip.
Approval odds and credit bureaus
Rewards cards like this one generally call for good to excellent credit. Based on how similar U.S. Bank rewards Visas are underwritten, applicants with a FICO score in roughly the high 600s and above tend to have the best approval odds, though U.S. Bank does not publish a single official cutoff. This is a researched general range, not a guarantee.
Like most major issuers, U.S. Bank can report your account activity to the three major credit bureaus: Equifax, Experian, and TransUnion. That means responsible use can help your credit over time, while missed payments can hurt it.
If your score is not in that high-600s range yet, a starter card that reports to the bureaus can help you close the gap. The Arro Card is an unsecured card with no security deposit that pairs spending with credit-building guidance, so you can build an on-time track record on a card you can use anywhere before applying for a rewards Visa.
Arro Card
Arro Card
No deposit. No hard credit check. Start with up to $300 and grow your credit line to $2,500 by completing in-app tasks. Earn 1% cash back on gas and groceries — including Walmart and Target.
Standout feature
Unsecured — no deposit required
Fees
up to $60/ year
Pros
1% cash back on gas & groceries
Cons
Starting credit limit: $50–$300
Pros and cons
Pros:
- No annual fee
- Strong 3x rewards on gas, EV charging, and H-D spending
- Unique bonus points for miles ridden
- Real 0% intro APR window on purchases and balance transfers
- Works anywhere Visa is accepted
Cons:
- Rewards are most useful inside the Harley-Davidson ecosystem
- High end of the APR range is steep
- Foreign transaction fee makes it poor for travel abroad
- Welcome bonus arrives as a gift card, not cash
What if your credit is not ready yet?
If you apply and do not qualify, or you would rather build your score first, you have options that do not depend on excellent credit. An unsecured starter card can help you establish on-time payment history that the bureaus track, without locking up cash in a security deposit. If you are rebuilding from a low score, it helps to see the realistic cards for a 500 credit score before you apply anywhere.
The Aspire Mastercard, Perpay, and the Arro Card are all no-deposit starter cards you can use anywhere the network is accepted, and each reports to the major bureaus so consistent, on-time use can strengthen your profile over time. They will not earn Harley points, but they can help you reach the score where a rewards card like this one becomes realistic. If a gas-heavy budget is your main reason for wanting this card, a straightforward fuel rewards Visa is another route worth comparing. Terms and conditions apply, and approval depends on your full credit profile.
Firstcard is a financial comparison platform and does not issue this card. Always confirm current terms directly with U.S. Bank before applying.
Next steps
The Harley-Davidson Visa makes the most sense if you are an active rider who spends at the dealership, fills up regularly, and pays the balance in full each month. If that describes you, the no-annual-fee structure plus 3x categories can add up.
Before you apply, check your credit standing, review the current terms on the U.S. Bank application page, and be honest about how often you will redeem points at Harley-Davidson. If your credit needs work first, build it up with a no-deposit starter card, then revisit this one when your odds are stronger.
Frequently Asked Questions
Is the Harley-Davidson credit card a store card or a real Visa?
It is a full Visa credit card issued by U.S. Bank, so you can use it anywhere Visa is accepted, not just at Harley-Davidson dealerships. It simply earns its highest rewards rate on H-D, gas, and EV charging purchases. That makes it more flexible than a typical store-only card.
What credit score do I need to get approved?
U.S. Bank does not publish an official minimum, but rewards Visas like this one generally favor applicants with good to excellent credit, roughly the high 600s and up. Strong credit also helps you qualify for the lower end of the 17.49% to 30.49% APR range. Approval is never guaranteed and depends on your full profile.
How do I redeem Harley-Davidson credit card points?
Points are redeemed toward Harley-Davidson merchandise, parts, accessories, and related purchases, so the best value comes if you shop within the H-D ecosystem. If you rarely buy from Harley-Davidson, the points are worth less to you in practice. Review the current redemption options before assuming the rewards will suit your habits.
Does the Harley-Davidson credit card have an annual fee?
No. As of July 2026, the card has a $0 annual fee, which makes it easy to keep in your wallet even if you do not use it heavily. Keep in mind it does charge a foreign transaction fee of up to 3%, so it is not ideal for spending outside the United States.
