Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

MBNA Harley-Davidson Mastercard review

Earn points to redeem towards Harley-Davidson apparel and accessories with this fee-free card. 

Avatar

By

Claire Horwood

Updated

No longer offered in the market

The Harley-Davidson Platinum Plus Mastercard is no longer available for new applications. However, we’ve kept the information online for the benefit of existing customers and for those who are interested.
You can compare MBNA credit cards in Canada here.

The MBNA Harley-Davidson Mastercard is a fee-free card offered by MBNA bank. It lets you earn one Harley-Davidson Genuine Rewards point for every two dollars you spend on purchases. You’ll also be entered into one of four annual draws to win a Harley-Davidson motorcycle every time you make a purchase with your card.

30-second take

  • Think about this card if you’re a loyal Harley-Davidson customer and you don’t want to pay an annual fee.
  • Choose something else if you want low interest or comprehensive benefits.
  • There are no minimum annual income requirements to qualify for this card.

The basics

Whether you’re a seasoned rider or new to the scene, you can kit yourself out in the latest Harley-Davidson gear with the MBNA Harley-Davidson Mastercard.

  • No annual fee. There’s no annual fee to maintain this card.
  • Chance to win. Get entered into one of four annual draws to win a Harley-Davidson motorcycle every time you make a purchase with your card.
  • Purchase protection. Protect the purchases you make on your card with 90 days purchase assurance and 1 year of additional warranty coverage
  • Car rental insurance. Lock in damage and collision insurance for free every time you rent a car using your card.
  • Car rental discounts. Get up to 10% off when you rent a car with Avis or Budget in North America (and 5% off internationally)

The perks

  • Travel perks. Take advantage of travel perks like lost luggage assistance and card replacement services when you travel.
  • Security features. Relax knowing you’re protected when you make purchases with PIN- and chip-protected cards as well as card verification codes for online shopping.
  • Zero-liability insurance. Avoid paying for fraudulent charges on your account with third-party liability insurance.
  • Contactless payments. Save time when you check out with easy swipe payments.
  • Reliable customer support. MBNA offers 24/7 customer service to help you troubleshoot issues with your account.
  • Easy to qualify. You won’t have to meet any minimum income requirements to qualify for this card.

What to watch out for

  • High interest. You’ll pay 19.99% interest for purchases and 22.99% for cash advances and balance transfers.
  • No accelerated rewards. You won’t earn double the points for making purchases at Harley-Davidson stores.
  • Rigid rewards. You’ll have to exchange your rewards for merchandise at Harley-Davidson, and they’re not transferrable to other MBNA rewards programs.
  • Low points value. You’ll have to spend up to $24,000 in everyday purchases to earn enough points to get a $100 gift certificate to spend at Harley-Davidson.
  • Fee for balance transfer. You’ll be charged a 1% fee on any amount you transfer from a higher-interest card.
  • Few benefits. This card doesn’t offer comprehensive benefits like travel medical, mobile device protection or roadside assistance.

MBNA Harley-Davidson Mastercard interest rates

Interest TypeInterest Rate
Purchase interest rate19.99%
Cash advance rate22.99%
Standard balance transfer rate22.99%

What should I know before I apply

How to apply

  1. Head to the MBNA website to begin your application.
  2. Complete the application, which includes providing your name, email address, social insurance number and birth date.
  3. Review and submit your application.

Bottom line

The MBNA Harley-Davidson Mastercard lets you earn points to redeem towards purchases at Harley-Davidson stores. You’ll be entered into a quarterly draw to win a motorcycle every time you spend money on your card, and you can take advantage of an introductory balance transfer rate for no annual fee. The downside is that you won’t earn accelerated rewards or comprehensive benefits.

Compare other credit cards

Name Product Welcome Offer Rewards Purchase Interest Rate Annual Fee Min. Credit Score Description
RBC Cash Back Mastercard
RBC Cash Back Mastercard
N/A
Up to 2% cash back
20.99%
$0
Apply now
More Info
Min. recommended credit score: 650
Get 2% cash back on grocery store purchases, and up to 1% cash back on all other qualifying purchases and pre-authorized payments.
BMO CashBack Mastercard
BMO CashBack Mastercard
5% cash back
Up to 3% cash back
20.99%
$0
Apply now
More Info
Min. recommended credit score: 660
Get 5% cash back on all eligible purchases in the first three months of card membership (up to max. spend of $2,500). Plus, get a rate of 0.99% on balance transfers for 9 months. A 2% fee applies to transferred balances.
Tangerine Money-Back Credit Card
OFFER
Tangerine Money-Back Credit Card
10% cash back
Up to 2% cash back
19.95%
$0
Apply now
More Info
Min. recommended credit score: 600
Earn 10% cash back (up to $100) when you spend $1,000 in the first 2 months. Valid until July 5, 2023. Plus, get a 1.95% interest rate on balance transfers for the first 6 months.
Tangerine World Mastercard
OFFER
Tangerine World Mastercard
10% cash back
Up to 2% cash back
19.95%
$0
Apply now
More Info
Min. recommended credit score: 600
Earn 10% cash back (up to $100) when you spend $1,000 in the first 2 months. Valid until July 5, 2023. Plus, get a 1.95% interest rate on balance transfers for the first 6 months.
Neo Financial Mastercard
Neo Financial Mastercard
Get $25.00 + up to 15% cash back
Average 5% cash back
19.99% - 26.99%
$0
Apply now
More Info
Min. recommended credit score: 600
Get $25 when you sign up for the Neo Financial Mastercard. Plus, earn bonuses like 15% cashback on your first purchase at most partners, and earn an average of 5% cashback at thousands of partners and at least 0.5% cashback guaranteed.
RBC Avion Visa Infinite
RBC Avion Visa Infinite
35,000 points
Up to 1 point per $1 spent
20.99%
$120
Apply now
More Info
Min. recommended credit score: 650
Get up to 35,000 Welcome Points.
American Express Cobalt Card
American Express Cobalt Card
30,000 points
Up to 5x points per $1 spent
20.99%
$155.88
Apply now
More Info
Min. recommended credit score: 700
Earn up to 30,000 Membership Rewards points in your first year. Earn 2,500 Membership Rewards points for each monthly billing period in which you spend $500 in net purchases on your card (up to 30,000 points). That’s up to $300 towards a weekend getaway or concert tickets.
BMO Preferred Rate Mastercard
BMO Preferred Rate Mastercard
0.99% rate on balance transfers for 9 months
N/A
13.99%
$0 annual fee for the first year ($29 thereafter)
Apply now
More Info
Min. recommended credit score: 660
Get a rate of 0.99% on balance transfers for 9 months with a 2% transfer fee. Plus, get the $29 annual fee waived in the first year.
RBC ION+ Visa
RBC ION+ Visa
7,000 points
3 points per $1 spent
20.99%
$48
Apply now
More Info
Min. recommended credit score: 660
Get up to 7,000 points. Get 3,500 Welcome Points on approval and earn 3,500 bonus points when you spend $500 in your first 3 months. Apply by July 31, 2023.
RBC ION Visa
RBC ION Visa
3,500 points
1.5 points per $1 spent
20.99%
$0
Apply now
More Info
Min. recommended credit score: 660
Get 3,500 Avion points when you get approved for the card. Apply by July 31, 2023.
loading

Frequently asked questions about the MBNA Harley-Davidson Mastercard

More guides on Finder

Go to site