Harley-Davidson® Visa Credit Card from U.S. Bank (2024)

^†The 0% introductory APR applies to purchases and is valid for the first 9 billing cycles. The 0% introductory APR applies to balance transfers made within 30 days of account opening and is valid for the first 9 billing cycles. The introductory rate does not apply to cash advances. Thereafter, the APR may vary. The current undiscounted variable APR for Purchases and Balance Transfers is 19.24% to 29.99%(based on your creditworthiness). The variable APR for Cash Advances is 29.99%. Cash Advance fee: 5% of each advance amount, $10 minimum. Convenience Check fee: 3% of each check amount, $5 minimum. Cash Equivalent fee: 5% of each cash amount, $10 minimum. Balance Transfer fee: 3% of each transfer amount, $5 minimum. There is a $1 minimum interest charge where interest is due. Signature: the annual fee is $0; H.O.G. Elite: the annual fee is $99. Foreign Transaction fee: 3% of each foreign purchase transaction or foreign ATM advance transaction. We apply your minimum payment to balances with lower APRs first, including promotional APRs. Amounts paid over the minimum payment will be applied in the order of highest to lowest APR balances. We may change APRs, fees, and other Account terms in the future, based on your experience with U.S. Bank National Association and its affiliates as provided under the Cardmember Agreement and applicable law.

^*Balance Transfer Information:
Balance transfer transactions from other U.S. Bank National Association accounts are not permitted. You may stop payment on a Balance Transfer Check(s) within 10 days of account opening by calling (800-699-2281). After 10 days from account opening, requests to stop payment on a Balance Transfer Check(s) issued by U.S. Bank shall not be honored unless the check(s) has been stolen, lost or destroyed.

¹ Points are earned on eligible net purchases (net purchases are purchases minus credits and returns). Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers, and Convenience Checks. U.S. Bank cannot control how merchants choose to classify their business and reserves the right to determine which purchases qualify. Lodging to include hotels, bed and breakfast establishments, resorts, cabins, cottages, hostels, short-term property rentals less than 30 days in length, and local inns. Must be booked directly through merchant rather than booking site. Genuine Rewards points awarded but not redeemed will expire 3 years from the date the points were awarded on December 31, at 11 p.m. CST, of the expiration year. Harley‑Davidson^™ Gift Cards issued from H‑D™ Genuine Rewards point redemption do not expire. The Harley-Davidson^™ Gift Card is issued by Pathward, N.A., Member FDIC.

² NO PURCHASE NECESSARY TO ENTER OR WIN. A purchase will not increase your chances of winning. Sweepstakes ends 12/31/2024. Open to legal residents of the 50 United States and D.C., who are 18 years of age or older. For details, including how to enter without being a Cardmember or without making a purchase, click here for Official Rules (PDF). Void where prohibited. Sponsor: Harley-Davidson Financial Services, Inc., 222 W. Adams St., Ste. 3100, Chicago, IL 60606.

³ To earn and be awarded points for miles ridden, the Primary H-D^™ Visa Signature^®, H-D^™ H.O.G.^™ Elite Visa Signature^®, or H-D Visa Secured cardmember must have an account that is open and in good standing and be an active U.S. H.O.G.^® member (“Qualifying Cardmember”). After becoming a Qualifying Cardmember, an odometer reading must be recorded at a participating H‑D^® dealership or by an alternate Harley‑Davidson^® authorized recording method. H‑D™ Visa Signature^® and H-D Visa Secured cardmembers earn 1 point for each mile ridden. H‑D™ H.O.G.™ Elite Visa Signature^® cardmembers earn 2 points for each mile ridden. Cardmembers can earn up to 50,000 points per calendar year and will be awarded 12 weeks following each subsequent odometer reading, unless further verification is requested for award. See official rules for details at www.H-DVisa.com/miles.

⁴ You cannot earn Refer A Friend Bonus Rewards Points by referring someone who is already a Harley‑Davidson^® Visa^® cardmember or an applicant who has been referred by someone else. Your referral code must be included on the referred application for you to be eligible for the Bonus Rewards Points. Please allow six to eight weeks after the referred application is processed and applicant is approved and makes a first purchase within 90 days of account opening to receive confirmation of your Bonus Rewards Points. A bonus confirmation will appear in the rewards section of your Harley‑Davidson^® Visa^® statement. Your account must be open and in good standing to be eligible for the bonus. Due to confidentiality, cardmembers who refer friends cannot be notified, either in writing or by phone, as to which referrals have been approved for the Harley‑Davidson^® Visa^® card.

⁵ Spend $500 in eligible net purchases (net purchases are purchases minus credits and returns) within the first 90 days of account opening and 10,000 Genuine Rewards points will be credited to your account 6–8 weeks after the 90-day period. The 10,000 Genuine Rewards points can be redeemed for a $100 H‑D™ Gift Card. Your Harley‑Davidson^® Visa Account must be open and in good standing to earn and redeem rewards and benefits. The Harley‑Davidson Secured Card is not eligible for the bonus offer.

⁶ Free credit score access, alerts and Score Simulator through TransUnion’s CreditView™ Dashboard are available to U.S. Bank customers only. Alerts require a TransUnion database match. It is possible that some enrolled members may not qualify for the alert functionality. The free VantageScore^® credit score from TransUnion^® is for educational purposes only and not used by U.S. Bank to make credit decisions.

⁷ U.S. Bank provides zero fraud liability for unauthorized transactions. Cardmember must notify U.S. Bank promptly of any unauthorized use. Certain conditions and limitations may apply.

⁸ Certain terms, conditions and exclusions apply. Refer to your Visa card "Guide to Benefits" section on the Account Services page for details.