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® Secured Card |
Annual Percentage Rate (APR) for Purchases | Secured: 22.99% This APR will vary with the market based on the Prime Rate. |
APR for Balance Transfers | Secured: 22.99% This APR will vary with the market based on the Prime Rate. |
APR for Cash Advances | Secured: 25.99% 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® Secured 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 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 $20 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 $40 |
•
Overlimit
|
None |
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.
As a condition to obtaining my U.S. Bank Secured Visa Credit 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 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 associated with my Credit Card Account and all obligations to you under my 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 (SSN) or Taxpayer Identification Number (TIN) 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.
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.