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.
Interest Rates and Interest Charges | Harley-Davidson® Visa Signature® Card |
Annual Percentage Rate (APR) for Purchases | Signature: 0% introductory APR for the first 12 billing cycles. After that,13.99% to 22.99% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate. |
APR for Balance Transfers | Signature: 0% introductory APR for the first 12 billing cycles for balances transferred within 30 days from account opening. After that,13.99% to 22.99% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate. |
APR for Cash Advances | Signature: 23.99% This APR will vary with the market based on the Prime Rate. |
Penalty APR and When it Applies | Not applicable |
How to Avoid Paying Interest on Purchases | Your due date is 24 - 30 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. |
Minimum Interest Charge | If you are charged interest, the charge will be no less than $2. |
For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore |
Fees | Harley-Davidson® Visa Signature® Card |
Annual Fee | |
• Annual Membership Fee
|
None |
Transaction Fees | |
•
Balance Transfer
|
Either 3% of the amount of each transfer or $5 minimum, whichever is greater. |
•
Convenience Check Cash Advance1
|
Either 3% of the amount of each advance or $5 minimum, whichever is greater. |
•
Cash Advance ATM
|
Either 3% of the amount of each advance or $10 minimum, whichever is greater. |
•
Cash Advance
|
Either 3% of the amount of each advance or $10 minimum, whichever is greater. |
•
Cash Equivalent Advance
|
Either 4% of the amount of each advance or $10 minimum, whichever is greater. |
•
Overdraft Protection
|
None |
•
Foreign Transaction
|
2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency |
Penalty Fees | |
•
Late Payment
|
Up to $40 |
•
Returned Payment
|
Up to $35 |
•
Overlimit
|
None |
If you are granted an account, you understand and agree that we will report that fact, your name, address, phone number and information about your ongoing account activity to Harley-Davidson Financial Services, but will not disclose to Harley-Davidson Financial Services any other information about you taken from this application or received from third parties. By submitting this application you certify that you read and understood the disclosures here and you agree to the terms of this application.
Account must be open and in good standing to earn and redeem rewards and benefits. Upon approval, please refer to your Cardmember Agreement for additional information.
a) You may earn Harley-Davidson® Genuine Rewards Points ("Points") for your purchases. For the Harley-Davidson Signature card, at the end of each billing cycle, we will calculate your Point(s) earned per $1 based on 3% of Net Purchases at Harley-Davidson® dealers, h-d.com, the H-D™ Museum, Factory Tours, and merchants classified as gas stations; 2% of Net Purchases at merchants classified as restaurants, bars and lodging and 1% for all other eligible Net Purchases. U.S. Bank cannot control how merchants choose to classify their business and reserves the right to determine which purchases qualify. Fast food merchants may not qualify for additional bonus. Bonus Points will not be awarded for transactions posting as Convenience Checks, credit insurance premiums, Advances (including wire transfers, travelers checks, money orders, foreign cash transactions, betting transactions, lottery tickets and ATM disbursements), transactions to purchase cash such as purchases from the U.S. Mint, Balance Transfers, interest charges or fees, or transactions to fund certain prepaid card products.
b) "Net Purchases" for a billing cycle are determined by adding all new Purchases posted to your Harley-Davidson® Visa Account during the billing cycle and subtracting any credits and/or adjustments and chargebacks to a merchant that have posted to your Account during the billing cycle for returned Purchases. If credits for returned Purchases exceed new Purchases in any billing cycle, the excess credits will be carried forward into successive billing cycles and subtracted from future new Purchases to determine the Net Purchases for those successive cycles.
c) Points may be accumulated and redeemed, subject to all terms, conditions and limitations, as described in this Agreement and your Owner's Manual. You may not redeem Points, and you will immediately lose all of your Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death).
d) Eligibility for the Harley-Davidson® Genuine Rewards Program ("Program"), the awarding of the Points, including the form, use and acceptance of the Rewards (as defined below), and the awarding and redemption of Points, are subject to the terms and conditions of the Agreement. Noncompliance with the terms and conditions set forth in this Agreement will cause forfeiture of any Points balance in your Harley-Davidson® Visa Account.
e) Points awarded but not redeemed will expire 3 years from the date the Points were awarded to your Account on December 31st, at 11 p.m. CST, of the expiration year.
f) Harley-Davidson, Inc. and Harley-Davidson Financial Services (collectively "Harley-Davidson") are not a party to this Agreement and have no authority regarding the Account, including with respect to any extension of credit on the Account. Harley-Davidson is not a creditor or owner of the Account.
Points may be awarded in the form of Harley-Davidson® Genuine Rewards certificates or Harley-Davidson® branded gift cards, or such other form as we may designate in the future (collectively, "Rewards"). We are not responsible for any terms and conditions that Harley-Davidson may impose on the use of Rewards or for the failure of Harley-Davidson or a Harley-Davidson dealer to honor the Rewards. We reserve the right to amend or modify the Program at any time and in any way (including an adjustment of the amount of Points credited to your Harley-Davidson® Visa Account for each $1.00 of Net Purchases), or to discontinue the Program, by providing notice to you.
The creditor and issuer of the Harley-Davidson® Visa® card is U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc.