Harley-Davidson Rewards Visa Credit Card

hdcreditcardI will not recommend that you get one more credit card, especially just before the holidays, but if you look for a way to buy parts at a discount (via accumulating reward points) at any official Harley Davidson dealership, the harley-Davidson Visa Credit Card (issued by US Bank) may be for you. Of course, it will interest only die hard Harley fans who will also accumulate points not only for H-D purchase you make with your card, but also on restaurant, gas, lodging and bar purchases. A few things you need to know:

No annual fee, if you are eligible for the Harley-Davidson Signature card. Otherwise, you will be considered for the Harley-Davidson High Performance Visa card, which comes with an annual fee of $0 or $29, based on your credit score when you open your account.

Receive a $10 Harley Chrome cash certificate when you are accepted for this card. This $10 cash certificate is valid for up to 180 days. Earn 3 points for each dollar you spend at Harley-Davidson dealerships. You will earn three times as many points when making Harley-Davidson purchases. 2,500 points can be redeemed for $25 in Harley Chrome Cash.

Earn 2 points for every dollar spent at gas stations, restaurants, lodging and bars. You’ll earn double points for each dollar you spend on purchases made in these categories, which will save you a lot of money when you’re on a cross country trip. Earn 1 point for each dollar you spend on all your other purchases. Every dollar you spend on your card will give you points, regardless of what you’re purchasing.

Earn entries to the Harley-Davidson Free Ride Sweepstakes. You will automatically enjoy entries to the H-D Free Ride Sweepstakes, in which the winner receives a free motorcycle. There is no pre-set spending limit on this card, and it will be decided once you apply for this card and are approved.

Points do expire. If you don’t redeem your points within 3 years from the date earned, they will expire on December 31 of the expiration year. So make sure to redeem your points whenever you have accumulated enough for something you want. You don’t have an introductory period with 0% APR on purchases or balance transfers. Unlike some other credit cards, you won’t enjoy 0% intro interest rate on purchases or balance transfers during the first few months of card membership. This means that if you hold a balance, you’ll have to pay interest.

2 Responses to “Harley-Davidson Rewards Visa Credit Card”

  1. 1 Brutus Dec 10th, 2013 at 10:09 am

    Only for hard core HOGS.

  2. 2 Toby Dec 10th, 2013 at 11:01 am

    As rewards points go, this is a so-so deal. It is equal to 3% of your purchase. Cash-back is better since cash can be used, well, anywhere, and it won’t expire. If you fly much, sky miles are an even better proposition.

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Cyril Huze