Credit Cards Credit Card Reviews

U.S. Bank Harley-Davidson Visa Secured Card Review

overall rating
2.9

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The U.S. Bank Harley-Davidson Visa Secured card lets you earn rewards on purchases while building or rebuilding your credit. It has no annual fee, and each time you use the card you’ll be entered in a sweepstakes to win a Harley-Davidson motorcycle.

U.S. Bank Harley-Davidson® Visa® Secured card

overall rating
2.9
U.S. Bank Harley-Davidson® Visa® Secured card
On U.S. Bank's Secured Site.
Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Poor - Excellent
Regular APR (%) 22.99% variable
Annual Fee $0
Minimum Deposit to Activate $0
Pay deposit in installments No
Allows upgrade to unsecured card No
Rewards Earning Rate Earn 1 point on all purchases.
how this card stacks up
When compared among all secured cards in our database:
Secured Features
Security/Customer Experience
Low Interest
Rewards
Benefits
worst best

The U.S. Bank Harley-Davidson Visa Secured Card is not one of our top-rated secured credit cards. You can review our list of the best secured credit cards for what we think are better options.

Full Review of U.S. Bank Harley-Davidson Visa Secured Card

Pros
  • A way to build or rebuild your credit

  • Offers rewards

  • Security deposit earns interest

  • No annual fee

Cons
  • Rewards only good for Harley-Davidson gear

  • No 0% APR introductory offer

  • Charges foreign transaction fees

Pros Explained

  • A Way to Build or Rebuild Credit: One of the advantages of a secured credit card, like the U.S. Bank Harley-Davidson Visa Secured card, is that it provides a way to build or rebuild your credit. If you can’t qualify for an unsecured card, having a secured card that reports to the major credit bureaus can help you improve your credit score and ultimately be eligible for an unsecured card. 
  • Offers Rewards: Most secured credit cards, like the Capital One Secured Mastercard, will help you build credit with responsible use, but usually don’t allow you to earn rewards. The U.S. Bank Harley-Davidson Visa Secured card offers rewards, albeit only ones that can be redeemed for Harley-Davidson gear.
  • Security Deposit Earns Interest: While you’ll have to make a security deposit with the U.S. Bank Harley-Davidson Visa Secured card, you’ll earn interest on that deposit. As long as the issuer doesn’t have to dip into your account to cover unpaid bills when you move on from the card and receive your security deposit back, you will have earned interest.
  • No Annual Fee: You don’t have to pay an annual fee with this credit card.

Cons Explained

  • Rewards Only Good for Harley-Davidson Gear: The U.S. Bank Harley-Davidson Visa Secured card only allows you to redeem rewards for Harley-Davidson purchases. Unlike a few other secured cards that do offer rewards, there are no other redemption options, such as cash back or a statement credit. 
  • No 0% APR Introductory Offer: If you’re hoping to pay off debt while building credit, this card won’t be especially helpful. It has no 0% APR introductory offer.
  • Charges Foreign Transaction Fees: This card imposes foreign transaction fees. If you use it in another country, you’ll have to pay a fee of 2% on U.S. dollar transactions, and 3% on foreign currency transactions.

This Card is Best For

  • Avatar for Rewards Strategist Persona
    Seeks to maximize points or miles earnings across spending categories
    Rewards Strategist
  • Avatar for Credit Builder Persona
    Motivated to create positive credit history
    Credit Builder

The U.S. Bank Harley-Davidson Visa Secured card is aimed at die-hard Harley lovers who need to build their credit and can’t qualify for a non-secured credit card due to limited credit history or bad credit. It has no annual fee, which makes it an affordable option, and pays rewards in Harley-Davidson gift cards. 

For those who want a secured credit card with more flexible rewards, the Discover it Secured might be a good choice. It also has no annual fee, but it offers valuable cash back rewards that you can use for anything.

U.S. Bank Harley-Davidson Visa Secured Card’s Bonus

There’s no one-time offer with the U.S. Bank Harley-Davidson Visa Secured card. However, each time you use this card, you’re entered in a sweepstakes to win a Harley-Davidson motorcycle. If you sign up for the H.O.G. membership program, you get two entries into the sweepstakes.

Rewards Earning Details

Earning rewards is fairly straightforward. For each dollar you spend on purchases using the U.S. Bank Harley-Davidson Visa Secured card, you get 1 point. 

Rewards Redemption Details

As mentioned above, the points you earn by using the U.S. Bank Harley-Davidson Visa Secured card can only be redeemed with Harley-Davidson. For every 2,500 points you earn, you get a $25 gift card. This makes points worth one cent each.  

Transferring Points

There is no way to transfer points you’ve earned with the U.S. Bank Harley-Davidson Visa Secured card. They can only be used at authorized Harley-Davidson stores and dealerships.

How to Maximize Your Rewards

The best way to maximize your rewards is to use this card for all your purchases. Once you have enough points, you can redeem them for Harley-Davidson gift cards that are good for gear and other items. In order to make the most of your points, it’s important to pay off the card in full each month. This will help you avoid paying interest. Otherwise, the interest charges you’d incur are likely to be more than the value of any rewards you’ll earn.

It’s also possible to maximize your overall rewards by using the U.S. Bank Harley-Davidson Visa Secured card in conjunction with another card. For example, the Discover it Secured card offers 2% cash back at gas stations and restaurants on your first $1,000 in purchases each quarter. Once you’ve reached that limit, you could use the U.S. Bank Harley-Davidson Visa Secured card for other expenses. Additionally, the Discover card’s rewards are more flexible, providing cash back, rather than gift cards. However, maintaining two security deposits might not be feasible for most secured card customers.

U.S. Bank Harley-Davidson Visa Secured Card’s Standard Benefits

  • $0 fraud liability 
  • Emergency cash and card replacement
  • Auto rental collision damage waiver (secondary coverage)

Cardholder Experience

U.S. Bank is the issuer of this credit card. In the J.D. Power 2019 Credit Card Satisfaction Study, U.S. Bank received a score of 785 out of 1,000. That score was below the average for national issuers, which was 806.

This card also provides access to your VantageScore credit score, so you can monitor whether your score is improving. 

For convenience, you can manage your account using the U.S. Bank app, which is available for Android and iOS. The app has a rating of 4.6 stars out of 5 on Google Play, and 4.8 stars out of 5 in the Apple App Store.

Security Features

If someone makes a fraudulent purchase with your U.S. Bank Harley-Davidson Visa Secured card, you won’t be on the hook, as Visa provides $0 liability for unauthorized purchases. Additionally, this card comes with chip technology designed to make your transactions more secure.

Our Verdict

If you’re looking for a credit card that can help you establish or rebuild your credit, and you can’t qualify for an unsecured card, the U.S. Bank Harley-Davidson Visa Secured card might be a good fit. This card doesn’t charge an annual fee, and it reports your payments to the major credit bureaus. Additionally, you can earn rewards with this card. However, you need to be a Harley-Davidson fan to take advantage of those rewards, since you can only redeem them for Harley-Davidson gift cards.

If you would rather have a secured card with more flexible rewards, the Discover it Secured, which pays cash back rewards and also has no annual fee, might be a better choice.

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For U.S. Bank Harley-Davidson® Visa® Secured card
on U.S. Bank's Secured Site.
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CURRENT CARD
U.S. Bank Harley-Davidson® Visa® Secured card
overall rating
2.9
Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Poor - Excellent
Regular APR (%) 22.99% variable
Annual Fee $0
Minimum Deposit to Activate $0
Investopedia Credit Card Rating Methodology
Investopedia is committed to delivering the best credit card recommendations in the industry. We’ll tell you when a card is good, we’ll tell you when a card is bad, and we’ll only call a card the best if we would recommend it to our friends or family members.
Overall Star Rating Explained
To rate credit cards we objectively assess, score and weight nearly 100 individual card features which roll up into five major feature sets: fees, interest, rewards, benefits and security/customer service. Here’s how we weighted those feature sets for the overall star rating of a card:
We have applied our proprietary rating methodology to every generally-accepted credit card in the U.S. domestic market to allow consumers to make fully informed choices. It’s important to note that for our overall score that we make a number of assumptions about how you would be using your credit card:
  1. While we make no assumption as to whether balances are carried on a given card we do assign varying weights to all credit cards’ introductory APR (if present) in addition to the regular, long term purchase and balance transfer interest rates.
  2. We utilize BLS (U.S. Bureau of Labor Statistics) income and average category spending data to calculate annual earnings rates for rewards cards that offer cash back, points or miles rewards at a set rate on all spending or in consideration of bonus rewards for certain spending categories, like gasoline, groceries, restaurants or travel.
  3. We determine the maximum points value of rewards cards by dividing the points, cash back or miles required to exchange for the retail price of the most valuable redemption option (for example, in the case of a card that offers a domestic roundtrip airline ticket as a redemption option vs. another redemption option of lesser value that requires the same amount of points or miles to acquire, we would base the rewards value on the airline ticket).
  • Cards that are selected best overall in their respective categories generally feature most if not all of the following attributes:
  • Low or Reasonable Fees Credit card fees come in many forms but the primary ones involve those for annual card membership and balance transfer. There are a myriad of reward and non-reward card options that charge no annual fee but for the many that do assess an annual fee the cost is often justified by their lucrative ongoing rewards and initial signup bonuses. Balance transfer fees are occasionally waived during introductory periods with certain cards, a factor which is heavily and positively weighted in our scoring model for cards offering this benefit. When charged, balance transfer fees range between 3% - 5%, which we grade accordingly. Other standard fees can generally be avoided, such as those for paying late or taking cash advances but we rate those relative to other cards in the market for reference, though with less weight assigned
  • Competitive Interest Many cards offer 0% introductory APR on purchases and balance transfers for varying lengths and then revert to a permanent or regular APR (based on a variable rate tied to the prime rate) that applies to any balances not paid in full. We rate both introductory APR percentage and length (in months) along with the midpoint of the variable regular APR interest rate range.
  • Valuable Rewards Credit card reward programs can be based on cash back, points or travel rewards (which can be generic or travel partner-specific, as with airline and hotel co-brand card programs). For cards that offer rewards we determine the value per dollar spent along with average redemption values and assign more favorable ratings to cards that offer superior consumer value. We also assign value to sign-up bonus offers and their initial spending requirements, when present.
  • Excellent Benefits Credit card benefits cover a range of offerings like concierge service, TSA Pre-check, auto rental coverage, travel accident insurance, lost luggage assistance and free credit scores. We rate cards on the number and level of over a dozen standard and upscale benefits and provide extra weighting emphasis for those travel-related perks that apply to premium travel cards when present.
  • Solid Security/Customer Service Security and customer service features like lost or stolen card replacement, being able to lock one’s card from an issuer app and 24 hour customer support are becoming more standard across the card market and we provide a significant amount of weighting to features in this area.
  • You can also read the full version of our methodology for a more in-depth look at how we assess cards and award them the best in various categories.