The H-D Visa Signature credit card offers a range of benefits for Harley-Davidson enthusiasts and those looking for everyday rewards.
Whether for motorcycle-related purchases or general spending, this card presents unique perks tailored to fans of the brand.
However, it’s important to weigh both the advantages and the associated costs before deciding if it’s the right card for your financial needs. Keep reading to know more!
About the H-D Visa Signature credit card
The H-D Visa Signature credit card is primarily designed for Harley-Davidson admirers who want to earn points on their daily expenses, which can be later redeemed for H-D gift cards.
Issued by U.S. Bank, this card blends lifestyle rewards with flexible options, appealing to both brand loyalty and daily spending habits.
Benefits of the H-D Visa Signature credit card
The H-D Visa Signature credit card has several features created to offer value to its cardholders.
Among the benefits are:
- It doesn’t come with an annual fee;
- Users earn points on every purchase, including dealerships from H-D, gas charging stations, dining, hotels and everywhere else Visa is accepted. The points can be redeemed for the brand’s merchandise;
- Members of the Harley Owners Group (H.O.G) exclusively get 1 point for every mile ridden;
- This card offers Travel Emergency Assistance.
Disadvantages of the H-D Visa Signature credit card
While the H-D Visa Signature credit card has some notable advantages, there are also a few downsides that potential cardholders should consider:
- The redemption options are mostly limited to Harley-Davidson products, making it less flexible for clients looking for more general rewards or cashback;
- It comes with relatively high Annual Percentage Rates;
- This card doesn’t offer as many premium travel benefits, like comprehensive travel insurance;
- A foreign transaction fee is applied for every purchase made in foreign currency.
About the issuing bank
The H-D Visa Signature credit card is issued by U.S. Bank, a reputable financial institution known for its variety of credit cards that cater to several consumer needs.
This bank offers reliable customer service and account management tools, providing cardholders with easy access to account information and rewards tracking through their online and mobile platforms.
Fees of the H-D Visa Signature credit card
When considering this card, it’s essential to be aware of the associated costs.
Below, take a look at the fees of the H-D Visa Signature:
- Annual fee: non-applicable;
- Annual Percentage Rate for purchases: 0% during the first nine billing cycles. After this period, it varies between 18.74% to 31.74%, depending on the cardholder’s creditworthiness;
- Annual Percentage Rate for balance transfers: 0% during the first nine billing cycles for balance transfers made within 30 days from the opening of the account. After that, this rate ranges from 18.74% to 31.74%;
- Annual Percentage Rate for cash advances: 31.74%;
- Foreign transaction fee: 3%;
- Late payment fee: up to $41.00;
- Over limit fee: non-applicable.
Last update of rates according to the official website: 10/14/24
Why apply for this card?
The H-D Visa Signature credit card is well-suited for Harley-Davidson fans who want to earn rewards that can be spent on the brand’s products, such as gear, clothing, and accessories.
The lack of an annual fee is an interesting feature, making this card a low-cost option for H-D admirers who want to enjoy perks without paying extra for the privilege.
On the other hand, individuals seeking a more versatile rewards system or those who carry a balance may find the higher interest rates less appealing.
Discover more details about the H-D Visa Signature card:
You will remain on this site