Harley-Davidson® Visa® Credit Card Review

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Our Detailed Review of This Card

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The Harley-Davidson® Visa® Credit Card is for you if you love all things Harley-Davidson and want to earn rewards that you can spend at Harley-Davidson dealerships. The 0% intro APR period on purchases can serve as an interest-free loan on new purchases for 12 billing cycles — a big help for big purchases like a new motorcycle. Still carrying a balance on another credit card? You can transfer your balance from a high APR card to the Harley-Davidson® Visa® Credit Card to enjoy a 12-billing-cycle 0% intro APR on balance transfers made within the first 30 days of account opening (though there is a balance transfer fee of 3% or $5, which is greater).

The Harley-Davidson® Visa® Credit Card could be particularly useful if you plan on making a big purchase at a Harley-Davidson dealership and want to parlay that into additional Harley-Davidson gear. That’s because cardholders will earn 3 points for every dollar spent at Harley-Davidson dealerships, 2 points at gas stations, restaurants, bars and lodgings and 1 point on everything else.


  • Earn 3 points for every $1 spent at Harley-Davidson® dealerships.
  • Earn 2 points for every $1 spent at gas stations, restaurants, bars and lodging merchants.
  • Earn 1 point for every $1 spent on all other purchases.

Redeem Rewards

  • Redeem points for H-DTM Gift Card. H-DTM Gift Cards can be used to purchase anything at participating Harley-Davidson dealers including, Harley-Davidson parts and accessories, H-D collectibles and gifts, motorcycle downpayment, rentals and more.
  • Minimum redemption of 2,500 points ($25) required.
  • Points expire 3 years following the date they are awarded to your account, expiring on Dec. 31 of the expiration year.

Fees and APR

  • No annual fee.
  • Purchase APR: 0% intro APR on purchases, after that 16.24% to 25.24% (Variable), depending on credit history.
  • Balance Transfers: 0% intro APR for 12 billing cycles on transfers made within the first 30 days of account opening, then 16.24% to 25.24% (Variable). Balance transfer fee is either 3% of the amount of each transfer or $5 minimum, whichever is greater.
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Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program.