Harley-Davidson® Visa® Secured Card Terms and Conditions

To help the United States fight the funding of terrorism and money laundering activities, U.S. law requires U.S. Bancorp, like other financial institutions, to obtain, verify, and record information that identifies each customer that opens an account.

What this means for you: When you open an account with us, we will ask for your and/or your business's legal name, address, date of birth, tax identification number, and other identifying information that will assist us with identifying you and/or your business. We may also ask to see your photo identification (driver's license) or other identifying documents. For businesses, we may ask for copies of certified articles of incorporation, an unexpired government-issued business license, a partnership agreement, or other documents that indicate the existence and standing of the entity.

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.

Disclosure of Credit Card Terms
Interest Rates and Interest Charges Harley-Davidson® Visa® Secured Card
Annual Percentage Rate (APR) for Purchases Secured: 28.24%
This APR will vary with the market and is based on the Prime Rate.
APR for Balance Transfers Secured: 28.24%
This APR will vary with the market and is based on the Prime Rate.
APR for Cash Advances Secured: 29.99%
This APR will vary with the market and is 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 $1.
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® Secured Card
Annual Fee
Annual Membership Fee
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 5% of the amount of each advance or $10 minimum, whichever is greater.
Cash Advance
Either 5% of the amount of each advance or $10 minimum, whichever is greater.
Cash Equivalent Advance
Either 5% of the amount of each advance or $10 minimum, whichever is greater.
Overdraft Protection
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 $41
Returned Payment
Up to $41
How We Will Calculate Your Balance: We use a method called 'average daily balance (including new purchases)'. See your Cardmember Agreement for more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Cardmember Agreement.
The information about the costs of the card described in this application is accurate as of 09/2023. This information may have changed after this date. To find out what may have changed, call us at 1-800-699-2281 (we accept relay calls) or write to us at P.O. Box 6339, Fargo, ND 58125-6339.
1This product does not receive convenience checks.
How Variable Interest Rates Are Determined: After the introductory period, your interest rate is a variable rate and is determined by a combination of the Prime Rate (which may vary) added to a margin (which does not change). Because the Prime Rate may vary, your variable interest rate will go up or down if the Prime Rate changes. If you are granted an Account, the following rates on the Account are variable: Non-Introductory Purchase Rate; Non-Introductory Balance Transfer Rate; Cash Advance Rate. More information is available in the Cardmember Agreement.
Notice to New York Residents: You may contact the New York state department of financial services by telephone at (800) 342-3736 or visit its website at www.dfs.ny.gov for free information on comparative credit card rates, fees and interest-free periods.
California law requires that we let you know: Married applicants may apply for separate accounts in their own names.
Notice to Married Wisconsin Residents: No provision of any marital property agreement, unilateral statement under section 766.59 of the Wisconsin statutes or court decree under section 766.70, adversely affects our interest unless we, prior to the time the credit is granted or an open-end credit plan is entered into, are furnished a copy of the agreement, decree or court order, or have actual knowledge of the adverse provision. IF YOU ARE A MARRIED WISCONSIN RESIDENT, CREDIT EXTENDED UNDER THIS ACCOUNT WILL BE INCURRED IN THE INTEREST OF YOUR MARRIAGE OR FAMILY.
Notice to Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.
By submitting this application, you understand and agree that U.S. Bank National Association ("we", "us" or "our"), as the creditor and issuer of your Account, will rely on the information provided here in making this credit decision, and you certify that such information is accurate and complete to the best of your knowledge. If we open an Account based on this application, you will be individually liable (or, for joint accounts, individually and jointly liable) for all authorized charges and for all fees referred to in the most recent Cardmember Agreement, which may be amended from time to time. We may request consumer credit reports about you for evaluating this application and in the future for reviewing Account credit limits, for Account renewal, for servicing and collection purposes, and for other legitimate purposes associated with your Account. Upon your request, we will inform you if a consumer report was requested and, if it was, provide you with the name and address of the consumer reporting agency that furnished the report. By providing us with a telephone number for a cellular phone or other wireless device, including a number that you later convert to a cellular number, you are expressly consenting to receiving communications—including but not limited to prerecorded or artificial voice message calls, text messages, and calls made by an automatic telephone dialing system—from us and our affiliates and agents at that number. This express consent applies to each such telephone number that you provide to us now or in the future and permits such calls for non-marketing purposes. Calls and messages may incur access fees from your cellular provider. By submitting this application, you also agree that we may verify your employment, income, address and all other information provided with other creditors, credit reporting agencies, employers, third parties, and through records maintained by federal and state agencies (including any state motor vehicle department) and waive any rights of confidentiality you may have in that information under applicable law. 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, but will not disclose to Harley-Davidson 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, including all Secured Account disclosures.
EXPANDED ACCOUNT ACCESS: Any Card or PIN issued to or selected by you under this Agreement can be used to access multiple checking, savings, line of credit and credit card account(s) held in your name with us or our bank affiliates; and any account you open with us and our affiliates may be accessed by the Card or PIN issued under this Agreement now or in the future. "Expanded Account Access" means use of a card or account number and PIN to conduct a transaction or obtain information at ATMs, over the telephone, through personal computer banking, or via any other available method. If the Card or PIN is for a joint account, the Card or PIN can be used to access all the accounts linked to the Card or PIN Access, whether joint or individual. There are no additional fees or charges for Expanded Account Access, but fees applicable to each applicable account will continue to apply in accordance with the terms of the applicable account agreements. Call Cardmember Service at 1-800-699-2281 to cancel Expanded Account Access, allowing a reasonable time for cancellation to become effective. If you cancel Expanded Account Access for any account, this Account will not be accessible by any card or PIN other than the Card or PIN issued under this Agreement.
Authorization for the Social Security Administration to Disclose Your Social Security Number Verification: In connection with your application for this account and by clicking the ACCEPT AND SUBMIT* button, you authorize the Social Security Administration (SSA) to verify and disclose to us through Early Warning Services, LLC, our service provider, whether the name, Social Security Number (SSN) and date of birth you have submitted matches information in SSA records. This one-time consent is valid for the next 90 days.

Balance Transfer Information: Balance transfer transactions from other U.S. Bank National Association accounts are not permitted. You may cancel a balance transfer request within 10 days of account opening by calling 800-285-8585. After 10 days from account opening, requests to stop payment on Balance Transfer Check(s) issued by U.S. Bank shall not be honored unless the check(s) has been stolen, lost or destroyed.

Harley-Davidson Genuine Rewards Program

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 Secured card, at the end of each billing cycle, we will calculate your Point(s) earned per $1 based on 1% of eligible Net Purchases. U.S. Bank cannot control how merchants choose to classify their business and reserves the right to determine which purchases qualify. 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 fee, 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.

Security Agreement

As a condition to obtaining a U.S. Bank Cash+® Secured Visa® Card (the "Credit Card Account"), I hereby grant to U.S. Bank National Association ("you") a security interest in, and assign and transfer to you all rights, title, and interest in my Secured Savings Account (the "SSA") held at U.S. Bank National Association and all interest, additions, and proceeds therein to secure the payment and performance of my obligations to you under the terms of the Credit Card Account Cardmember Agreement. I hereby instruct U.S. Bank National Association to open the designated SSA in the name of "U.S. Bank (Primary Applicant's name) Secured Credit Card Collateral Account" using the Primary Applicant's name and Social Security Number or Taxpayer Identification Number provided on this application. I agree that while this security interest is in effect, you will have the exclusive dominion and control and you will have the sole right and power to redeem, collect, and withdraw any part or the full amount of the SSA. If I am in default under the terms of my Credit Card Account Cardmember Agreement, I agree that you will have all rights the law allows, including the right to take funds from the SSA and apply them to my Credit Card Account balance without notice to, or further consent from, me. I understand and agree that, based upon your periodic review of my overall credit history (including this Credit Card Account and other credit cards and loans), I may qualify to have the funds in the SSA released. I understand that if you determine that the funds from my SSA may be released, you will release the funds to the Cardmember(s) and this Credit Card Account will no longer be a secured credit card account.

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.

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