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Harley-Davidson has teamed up with fintech Tymit to offer the Harley-Davidson Classic credit card and the Harley-Davidson Ultra credit card.
You’ll earn loyalty points whenever you spend on either of these cards, and your accumulated points can be redeemed for Harley-Davidson goodies. Disappointingly, however, this doesn’t include motorbikes.
Both credit cards also use Tymit’s instalment plan technology, enabling you to spread purchases over 3 to 36 months.
What is Harley-Davidson?
Founded in 1903, Harley-Davidson is an American motorcycle manufacturer headquartered in Milwaukee, Wisconsin, United States. The company has grown to become one of the most recognisable and iconic motorcycle brands in the world.
Harley-Davidson’s partnership with Tymit
Harley-Davidson has joined forces with fintech Tymit to offer a flexible credit product. Tymit’s own credit card already lets customers split purchases over 3 to 36 monthly instalments as it looks to take on buy now, pay later (BNPL) services. Now, these 2 Harley-Davidson credit cards offer the same flexibility.
Tymit’s mission is to enable more merchants to create bespoke instalment credit programmes for their customers. In doing so, Tymit can reach a wider audience in the UK and, eventually, internationally.
Pros and cons of Harley-Davidson credit cards
Pros
Earn loyalty points. Earn between 0.5% and 3% points for every £1 spent.
Bonus points available. H.O.G.(Harley Owners Group) members with the Ultra credit card can earn a bonus 10,000 points.
Flexible instalment plans. You can choose to spread the cost of your purchases over a 3- to 36-month instalment plan.
3 months interest free. Harley-Davidson purchases can be paid off over 3 months interest-free.
Additional perks for Ultra customers. These include free tyre insurance, Visa Luxury Hotel Collection benefits and 0% foreign transaction fees.
Easy to track. Use the app to track your points and choose your payment plans.
No early repayment penalties. Pay off your instalment plan early if you want to.
Cons
Annual fee for Ultra customers. This card has a £120 annual fee.
Interest charged. With the exception of the 3-month 0% offer for Harley-Davidson purchases, instalment plans attract interest.
Low points value. Each point only has a cash value of £0.005.
Strict eligibility criteria. You must be at least 21 years old and have good credit.
Deadline for using points. Points expire after 24 months.
Limits on redeeming points. You can only redeem up to 10% of the purchase price. Points can’t be redeemed on motorcycles.
What benefits can I get with a Harley-Davidson credit card?
The 2 key benefits you can enjoy with a Harley-Davidson credit card are outlined below:
Loyalty points
You’ll earn loyalty points whenever you spend on your credit card. These points can then be redeemed at an authorised Harley-Davidson dealer or online at h-d.com. You can redeem up to 10% of the purchase price.
How many points you earn depends on which card you have and where you’ve shopped.
Classic credit card
Ultra credit card
Harley-Davidson dealers and on harleydavidson.com
1.5% points for every £1 spent
3% points for every £1 spent
UK hotels, restaurants and fuel stations
1 point for every £1 spent
2 points for every £1 spent
Everywhere else
0.5% points for every £1 spent
1% point for every £1 spent
If you have the Ultra card and you’re a H.O.G. (Harley Owners Group) member, you’ll earn 10,000 extra points (equal to £50 credit) if you spend £100 or more at a participating Harley-Davidson dealership or at h-d.com within the first 2 months.
Instalment plans
If you make a purchase at an authorised Harley-Davidson dealer or at h-d.com, you can split your repayments over 3 months interest-free. It’s easy to set this up in the app.
For all other purchases, you can either pay off the balance in full the following month or choose to spread the cost in 3 to 36 monthly instalments – but interest will be added.
On top of this, if you have an Ultra credit card, you could benefit from 1 year of free tyre insurance for your Harley, as well as Visa Luxury Hotel Collection benefits. There are also no foreign transaction fees if you use your card for spending overseas. Note that a 2.99% foreign transaction fee applies for the Classic credit card.
How can I apply for a Harley-Davidson credit card?
You can apply for a Harley-Davidson credit card online by filling in a short application form. It’s best to check the eligibility criteria first and make sure you have the necessary documents to hand.
What supporting documents and information will I need?
You may need to provide proof of identity, such as your passport or driving licence. You might also need to supply evidence of your address and a recent payslip to help assess your affordability.
Who is eligible for a Harley-Davidson credit card?
To be eligible for a Harley-Davidson credit card, you will need to:
Be at least 21 years old.
Be a UK resident and have at least 3 years’ address history.
Have no negative marks on your credit history.
Bottom line – Are the Harley-Davidson credit cards any good?
If you’re a Harley-Davidson fanatic and regularly spend money at Harley-Davidson dealers or online, you might want to get your hands on a Harley-Davidson credit card. Earning loyalty points whenever you spend and redeeming these points on Harley-Davidson merchandise could be an attractive offer. Plus, you can split your Harley-Davidson purchases into 3 interest-free instalments.
However, you’ll need to weigh up which card is likely to suit you best. If your expenditure is high, you might prefer to pay the annual fee and get double the rewards with the Ultra credit card. But if you don’t spend such high sums, you could be better off with the Classic card.
Just keep in mind that each point only has a cash value of £0.005, so you might have to wait a while before you gain enough points for a significant discount.
Overview of Harley-Davidson Financial Services credit cards
Representative APR
From 29.9% to 58.29%
0% balance transfer offer
No balance transfer offer available
0% purchases offer
No purchases offer available
0% money transfer offer
No money transfer offer available
Cashback with brand
Up to 3%
Cashback elsewhere
Up to 1%
Cash advance
Cash advance not available
Introductory bonus offer
No introductory bonus offers available
Frequently asked questions
Yes, Harley-Davidson will check your credit score. However, you can initially check your eligibility, and this will only involve a soft search. Only you will see this on your credit file. If you’re approved, you can apply in full, and a hard check will be carried out. This will leave a mark on your credit file.
Given that Harley-Davidson requires applicants to have no negative marks on their credit history, it’s unlikely you’ll be accepted for a card if you have a poor or average credit score.
That said, when you first apply for a card, you can check your eligibility without it affecting your credit score. This shows whether you are likely to be accepted for the card. A hard check will only be carried out if you are approved.
It only takes a few minutes to apply for a Harley-Davidson credit card, and you should receive an instant decision. You’ll then need to verify your identity, which will usually be completed within 2 minutes. If your information needs to be looked at more closely, this might take a couple of days.
The Harley-Davidson Ultra credit card charges a £120 annual fee. The Harley-Davidson Classic credit card has no annual fee.
Your credit limit depends on factors such as your credit history and your income. You won’t usually find out your credit limit until after you’ve applied for the card.
If you’ve used your credit card sensibly over several months and made all your repayments on time, you might be able to request a credit limit increase. But whether your request is accepted is up to the lender and also depends on your affordability.
Harley-Davidson and Tymit report to the 3 largest credit reference agencies in the UK – Experian, Equifax and TransUnion.
We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
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To make sure you get accurate and helpful information, this guide has been edited by Emily Herring as part of our fact-checking process.
Rachel Wait is a freelance journalist and has been writing about personal finance for more than a decade, covering everything from insurance to mortgages. She has written for a range of personal finance websites and national newspapers, including The Observer, The Mail on Sunday, The Sun and the Evening Standard. Rachel is a keen baker in her spare time. See full bio
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