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Sunday, December 3, 2023

H-D™ Visa® Secured Card Review

Toby Sembower

By: Toby Sembower

Toby Sembower
Toby Sembower

Toby is the founder of CardRates.com and lends his 20 years of experience in the credit card industry to educate consumers. His commentary and reviews have been featured to millions on Yahoo! Finance, CreditCards.com, Entrepreneur.com, and others. Toby's industry connections enable him to keep audiences informed with timely advice and insight.

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Editor: Lillian Guevara-Castro

Lillian Guevara-Castro
Lillian Guevara-Castro

Lillian Guevara-Castro brings more than 30 years of editing and journalism experience to the CardRates team. She has written and edited for major news organizations, including The Atlanta Journal-Constitution and the New York Times, and she previously served as an adjunct journalism instructor at the University of Florida. Today, Lillian edits all CardRates content for clarity, accuracy, and reader engagement.

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Reviewer: Ashley Fricker

Ashley Fricker
Ashley Fricker

Ashley has more than a decade of experience as a finance contributor and editor, and has specialized in the credit card industry since 2015. She has worked closely with the world’s largest banks and financial institutions, up-and-coming fintech companies, and press and news outlets to curate comprehensive content and media. Her credit card commentary is often featured on national media outlets that include CNBC, MarketWatch, Investopedia, and Reader's Digest, among many others.

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H-D™ Visa® Secured Card Review

Rated 3.9 /5.0 ★★★★

Are you considering the H-D™ Visa® Secured Card? Before you apply for the card, you'll want to learn some key facts about the offer and how it compares to others on the market.

In reviewing the card, our staff rated it a 3.9 out of 5.0.

The Harley Davidson® Visa Secured Credit Card is an optimal choice for Harley fans who need to establish or rebuild their credit. You'll earn 1 point per dollar spent and rewards are redeemable for Harley Davidson gear and services.

Here's a rundown of the key features, rates, and terms of the H-D™ Visa® Secured Card:

Disclosure: When you apply through links on our site, we often earn referral fees from partners. For more information, see our ad disclosure and review policy.

Advertiser Disclosure

CardRates.com is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free, we receive compensation for referrals for many of the offers listed on the site. Along with key review factors, this compensation may impact how and where products appear across CardRates.com (including, for example, the order in which they appear). CardRates.com does not include the entire universe of available offers. Editorial opinions expressed on the site are strictly our own and are not provided, endorsed, or approved by advertisers.

H-D™ Visa® Secured Card Review

at the issuer'ssecure website

BEST OVERALL RATING

★★★★

3.9

OVERALL RATING

  • Earn 1X point for every dollar spent
  • H.O.G.® members earn 1 point for every mile ridden
  • Whether you're a first-time cardmember needing to build credit or a card-carrying veteran looking to rebuild your credit, use the card that helps while also earning you points for Harley™ gear. Every 2,500 points earns you $25 at H‑D.
  • Your account will be considered for an upgrade to an unsecured card after 12 months of responsible use.
  • A minimum security deposit of $300 is required to open an account, up to $5,000.
  • Zero fraud liability, free access to your credit score, and Auto Rental Collision Damage Waiver
  • $0 Annual Fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
27.49% (variable)
$0
None/Limited/Bad

There's certainly a lot to like about the H-D™ Visa® Secured Card. Let's dive deeper into the card's rates and fees, as they could make or break whether owning the H-D™ Visa® Secured Card is right for you.

Interest Rate & Annual Fee

According to the issuer, the H-D™ Visa® Secured Card currently charges the following interest rates on purchases and balance transfers:

  • Purchase Intro: N/A
  • Balance Transfer Intro: N/A
  • Regular APR: 27.49% (variable)

Here's the annual fee for the H-D™ Visa® Secured Card as listed by the issuer:

  • Annual Fee: $0
See site for details »

Credit Needed for Approval

According to the issuer, the current general credit history requirement for the H-D™ Visa® Secured Card is:

  • Credit Level:

If you feel you have the credit needed for approval and you're ready to apply, you can do so online on the issuer's secure website.

Keep in mind that rates and features may change, so if you like what the H-D™ Visa® Secured Card is offering today, you may want to apply now to lock it in current terms before it's too late.

How Does It Rank?

Below are all the ratings our team gives the H-D™ Visa® Secured Card, along with the card's ranking within each category. To see how it compares to other cards, simply click on the category name:

(Ranked #28 out of 30)
★★★★
3.9
(Ranked #131 out of 156)
★★★★
3.9
(Ranked #29 out of 31)
★★★★
3.6
(Ranked #34 out of 40)
★★★★
3.5

Bottom Line on H-D™ Visa® Secured Card

H-D™ Visa® Secured Card Review

All told, our team's review of the H-D™ Visa® Secured Card resulted in a rating of 3.9 out of 5.0, as the card features many pros and cons for a potential cardholder to consider. Ultimately, it's up to you to determine if the card's benefits outweigh its possible drawbacks.

If you're ready to apply for the H-D™ Visa® Secured Card, here is the link the issuer's official application:

Other Offers to Consider

Are you ready to apply for the H-D™ Visa® Secured Card offer? Be sure to read up on all of its terms and details first, then apply via the provider’s secure website:

If you’d like to keep researching, you may want to try one of our popular guides to the top offers available. We break down a variety of offers, including many similar to H-D™ Visa® Secured Card:

Whether you decide on H-D™ Visa® Secured Card or another option, be sure to make all your payments on time and keep your balance below the credit limit.

About the Author

Toby Sembower
Toby Sembower Finance Expert

Toby is the founder of CardRates.com and lends his 20 years of experience in the credit card industry to educate consumers. His commentary and reviews have been featured to millions on Yahoo! Finance, CreditCards.com, Entrepreneur.com, and others. Toby's industry connections enable him to keep audiences informed with timely advice and insight.

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Toby Sembower