Harley-Davidson Visa Signature Review

Card Details	The Offer	Is it Worth It?
Pros and Cons	Why 4 Stars?	Fees
Benefits

Card Details

Regular APR:	15.74% – 24.74% (Variable)
Intro APR (Purchases):	0% for 12 billing cycles
Intro APR (Balance transfers):	0% for 12 billing cycles for transfers in first 30 days of account opening
Rewards Rate:	3 points per $1 at H-D dealerships and h-d.com/store 2 points per $1 at gas stations, restaurants, bar and lodging merchants 1 point everywhere else Visa is accepted for every $1 of eligible net purchases
Credit Needed:	(670 – 850) Good/Excellent
Annual Fee:	None
Card Brand:	Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

• Click APPLY NOW to apply online
• Spend $500 in eligible net purchases (net purchases are purchases minus credits and returns) within the first 60 days of account opening and 10,000 Genuine Rewards points will be credited to your account 6-8 weeks after the 60-day period. The 10,000 Genuine Rewards points can be redeemed for a $100 H-D Gift Card
• Get a 0% intro APR* on purchases and balance transfers for 12 billing cycles
• 3 points per $1 at H-D dealerships and h-d.com/store
• 2 points per $1 at gas stations, restaurants, bar and lodging merchants
• 1 point everywhere else Visa is accepted for every $1 of eligible net purchases
• For every 2,500 points you earn, you can redeem for a $25 H-D Gift Card to spend at Harley dealerships and h-d.com/store

Is Harley-Davidson Visa Signature worth it?

Harley-Davidson Visa Signature is a great card for fans of Harley-Davidson. Cardholders earn 3 points per $1 at H-D dealerships and h-d.com/store. For every 2,500 points you earn, you can redeem for a $25 H-D Gift Card to spend at Harley dealerships and h-d.com/store. This means that one point is worth one cent, so 3 points per $1 is a 3% rebate on H-D? dealerships and h-d.com/store purchases. This is great.

Pros

• No annual fee
• 3 points per $1 at H-D dealerships and h-d.com/store
• 2 points per $1 at gas stations, restaurants, bar and lodging merchants
• 1 point everywhere else Visa is accepted for every $1 of eligible net purchases
• Every purchase you make with your card earns you one entry into the H-D Visa Free Ride Sweepstakes

Cons

• Other cards offer 1.5% or 2% unlimited cash back for all purchases. Harley-Davidson Visa Signature offers 3% rewards for purchases at H-D dealerships and h-d.com/store, but making those purchases with a cash back card would offer more flexible redemption.

Why 4 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

5 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	Either 3% of the amount of each transfer or $5 minimum, whichever is greater
Cash Advance Fee	Either 3% of the amount of each advance or $10 minimum, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Baggage Delay Reimbursement

Concierge Service

Emergency Card Replacement

Emergency Cash Disbursement

Extended Warranty Protection

Lost Luggage Reimbursement

Travel Accident Insurance

Price Protection

Purchase Protection

Return Protection

Roadside Dispatch

Travel and Emergency Assistance

Trip Cancellation/Trip Interruption Reimbursement

Trip Delay Reimbursement

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

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