Harley-Davidson Financial Services

Compare Harley-Davidson credit cards for 2024

Harley-Davidson has launched 2 rewards credit cards in partnership with Tymit. Here’s how they work.

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Compare the Harley-Davidson range

Table: sorted by representative APR, promoted deals first
1 - 2 of 2
Name Product Finder score Finder score Rewards earn rate Max. intro bonus Annual/monthly fees Representative APR Link Incentive Representative example
Harley Ultra Card (in partnership with Tymit)
4.0
★★★★★
★★★★★
Expert analysis
3 points per £1 spent with selected partners
1 point per £1 spent elsewhere
N/A
£120
58.29% APR (variable)
Enjoy H.O.G.® member benefits and tyre insurance for your Harley.
Representative example: When you spend £1,200 at a purchase rate of 29.9% (variable) p.a. with a fee of £120 per annum, your representative rate is 58.29% APR (variable).
Harley Classic Card (in partnership with Tymit)
3.5
★★★★★
★★★★★
Expert analysis
1.5 points per £1 spent with selected partners
1 point per £2 spent elsewhere
N/A
£0
29.9% APR (variable)
Earn 1.5 points for every £1 spent at Harley-Davidson and participating dealers.
Representative example: When you spend £1,200 at a purchase rate of 29.9% (variable) p.a., your representative rate is 29.9% APR (variable).
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Approval for any credit card depends on your status. The representative APRs shown represent the interest rate offered to most successful applicants. Depending on your personal circumstances, the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow.

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 cardUltra credit card
Harley-Davidson dealers and on harleydavidson.com1.5% points for every £1 spent3% points for every £1 spent
UK hotels, restaurants and fuel stations1 point for every £1 spent2 points for every £1 spent
Everywhere else0.5% points for every £1 spent1% 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

Frequently asked questions

Finder credit card ratings

★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor

Finder scores, in blue, are based on our expert analysis. We also show reviews from users, where we've received more than 10, with a score in yellow. We gather more reviews from customers every year in Finder's customer satisfaction survey.

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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.

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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