Harley Classic Card (in partnership with Tymit) review
- 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).
- Earn rate (at select partners)
- 1.5 points per £1 spent
- Earn rate (elsewhere)
- 1 point per £1 spent
- Account fee
- £0
Our verdict
If you’re a Harley-Davidson enthusiast, you’ll love this new rewards credit card launched in partnership with Tymit.The Harley-Davidson Classic credit card enables you to build up loyalty points when you spend on the card and these points can then be redeemed on Harley-Davidson products and services both at an authorised dealership and online.
As with all credit cards, you’ll be able to pay off your purchases the following month without accruing interest. But, just like Tymit’s own credit card, you can also choose to spread the cost over 3 to 36 monthly instalments, with added interest. You can set up different repayment plans for each purchase, providing a fully regulated alternative to buy now, pay later (BNPL) solutions.
But where it really stands out is with its offer of 3 months interest free on all purchases made at an authorised Harley-Davidson dealership or at h-d.com. All you’ll need to do is make your purchase and then pick a 3-month instalment plan in the app, and you’ll repay at 0% interest.
Of course, if spending money with Harley-Davidson isn’t your bag, there’s no real benefit to using this card. But if you fancy adding to your range of Harley-Davidson accessories, this card could be right up your street. The big caveat is that points can’t be redeemed when you buy a motorcycle, which is a bit of a let down.
There is no annual fee with the Classic card. But any balance that isn’t included in the 0% 3-month instalment plan or repaid in full the following month, will attract interest. The card has a representative APR of 29.9% (variable).
If you fancy adding even more rewards and perks to your package, take a look at this card’s big sister. But be warned - you will have to pay an annual fee of £120.
Pros
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Earn loyalty points whenever you spend
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No annual fee
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Option to spread Harley-Davidson purchases over 3 months interest-free
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Spread the cost of all other purchases over 3 to 36 months
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Redeem points on Harley-Davidson purchases
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Easy to track your points in the app
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Ability to pay back your instalment plan early
Cons
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Interest applies to general purchases repaid over 3 to 36 months
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Points can’t be redeemed on Harley-Davidson motorbikes
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You’ll need to have a good credit history and be at least 21 to be eligible
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Points expire after 24 months
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There’s a 2.99% foreign exchange fee
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You’ll only be able to redeem up to 10% of the purchase price
Details
Product Overview
| Issuer | Tymit Ltd. |
| Network | Visa |
| Annual/monthly fees | £0 |
| Purchases | 29.9% (3 months 0% when you shop at Harley-Davidson) |
| Maximum credit limit | Subject to status |
| Additional Rewards Info | Earn 1.5 points for every £1 spent at Harley-Davidson and participating dealers. Earn 1 point for every £1 spent at participating UK hotels, restaurants and fuel stations. Earn 0.5 point for every £1 spent elsewhere. |
| Potential costs | 3.0 ★★★★★ |
| Doing its job | 3.5 ★★★★★ |
| Extras | 4.5 ★★★★★ |
| Overall Finder Score | 3.5 ★★★★★ |
Fees and charges
| Annual/monthly fees | £0 |
| Foreign usage charge (EU) | 2.99% |
| Foreign usage charge (rest of world) | 2.99% |
| Late payment fee | £10 |
| Additional card fee | £5 |
| Additional card fee note | Free physical card sent to those who sign up before 31 March 2024, £5 thereafter. |
Application requirements
| Minimum Age | 21 |
| Residency | A UK resident with at least 3 years’ address history |
| Additional Criteria | No negative marks on your credit history |
Who is Harley-Davidson and why has it partnered with Tymit?
Harley-Davidson was founded in 1903 in Milwaukee, Wisconsin, United States. The motorcycle manufacturer has become renowned across the globe, with its iconic logo and unique brand. It has recently teamed up with fintech Tymit to offer a flexible credit product. Tymit’s aim is to help more merchants create bespoke instalment credit programmes for their customers and reach new audiences.
Key features of the Harley-Davidson Classic credit card
- Earn loyalty points. Earn between 0.5 points and 1.5 points for every £1 you spend on the card. Points vary depending where you shop.
- Redeem points at Harley-Davidson. You can spend your points on Harley-Davidson accessories at h-d.com or at your local Harley-Davidson dealership.
- Flexible instalment plans. Repay your balance in full the following month or set up an instalment plan to repay each purchase over 3 to 36 months, with interest added.
- 3 months interest free. If you make a purchase at a Harley-Davidson dealership or online at h-d.com, you can split your payment into 3 interest-free instalments.
- Manage your account in the app. Use the app to track your points, get bill breakdowns and choose your payment plans.
- No annual fee. You won’t have to pay an annual fee with the Classic card.
- Lost and stolen card assistance. Assistance within 24 hours and replacement card within 5 working days.
The Harley Classic Card (in partnership with Tymit) is issued on the Visa network (used by a whopping 4.2 billion cards), so you'll be able to use it at more than 100 million merchant locations across more than 200 countries and territories.
What benefits can I get with a Harley-Davidson Classic credit card?
Earning rewards
Whenever you spend on your Harley-Davidson Classic credit card, you’ll earn points. How much you earn will depend on where you’ve shopped:
- Escape points (earned at participating Harley-Davidson dealers and on harleydavidson.com). You’ll earn 1.5 points for every £1 spent.
- Experience points (earned at UK hotels, restaurants and fuel stations). You’ll earn 1 point for every £1 spent.
- Everyday points (everywhere else). You’ll earn 0.5 points for every £1 spent.
Points can’t be earned on transactions such as cash withdrawals or if you return an item and get a refund during the 30 days after the purchase.
Redeeming rewards
Points earned with your card can only be redeemed on the h-d.com website or at participating Harley-Davidson dealers.
You can choose whether you want to redeem or earn points up to 8 hours after a purchase. After 8 hours, you’ll automatically earn points that will be added to your balance after 30 days.
Points expire after 24 months from the moment of purchase. Each point has a cash value of £0.005. You’ll also only be able to redeem up to 10% of the purchase price.
0% interest instalment plans
For purchases made at an authorised Harley-Davidson dealership or at h-d.com, you can choose whether you want to take advantage of a 3-month 0% payment plan. You can select to do this in the app. As long as you stick to your repayments and pay off the purchase within 3 months, you won’t be charged interest. You can also pay the amount back early if you want to (this applies to all instalment plans).
How much does the Harley-Davidson Classic credit card cost?
There is no annual fee for the Harley-Davidson Classic credit card. However, you will be charged interest on any purchases you repay through a 3-36 month instalment plan (with the exception of the 0% offer).
You may also be charged a £10 fee for late payments and a 2.99% foreign exchange fee applies if you use your card overseas.
Repayment options
You can make manual repayments through Harley-Davidson Financial Services's app by logging in to your online banking or over the phone. Alternatively, you may wish to set up a direct debit.
A direct debit protects you from forgetting to make a repayment and either damaging your credit score, getting hit with a penalty fee (£10) or losing any promotional rates as a result.
You can arrange a direct debit for repayments when you apply for the credit card. The table below shows the options available.
Choose from the following direct debit options for your monthly repayments:
| Minimum amount | Fixed amount | Fixed percentage | Full amount |
|---|---|---|---|
How to apply for the Harley Davidson Classic Credit Card
If you've compared cards and settled on the Harley Classic Card (in partnership with Tymit), completing the secure online application form takes about 15 minutes. Before you apply, check that you meet the eligibility requirements and have the information and documents you'll need to make the process as straightforward as possible.
Who is eligible?
To be eligible for the Harley-Davidson Classic credit card, you will need to be:
- A UK resident with at least 3 years’ address history
- At least 21 years old
- No negative marks on your credit history.
When you apply for a card, you might need to provide further information to verify your identity and assess your affordability. This can include your passport, your driving licence and a recent payslip.
The Harley-Davidson Classic credit card takes advantage of Tymit’s instalment plan technology and could be a big hit with Harley-Davidson enthusiasts. As well as giving you the chance to earn points to spend on Harley-Davidson accessories, you can choose to split the cost of your Harley-Davidson purchases over 3 months interest-free.
However, keep in mind that each point only has a cash value of £0.005, so it may take a while before you earn a significant discount off your next Harley-Davidson purchase.”
If you’re interested in this card then you can check your eligibility and apply via the provider’s form. If this card is not for you, compare others in our full guide.
How does it compare?
Harley-Davidson Financial Services's card
Other popular reward cards
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. Most of the data in Finder's comparison tables is provided by Moneyfacts.
Frequently asked questions
How much does it cost to use the Harley Classic Card (in partnership with Tymit) abroad?
Non-sterling transactions are subject to a 2.99% charge (which is very standard). For example, if you spend 200 euros (£168.69), it'll cost you around £5.04 in fees.
What is an instalment credit card?
An instalment credit card enables you to split the cost of each purchase you make into regular instalments. The aim is to make repaying your purchases more manageable. Depending on the card, you might not have to pay interest or fees for a set time.
What types of purchases are eligible for the 0% interest instalment plans?
With the Harley-Davidson Classic credit card, only purchases made on h-d.com and at authorised Harley-Davidson dealerships will qualify for the 0% interest instalment plan.
What credit limit will I get?
Your credit limit will depend 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.
Finder credit card scores
Our experts score rewards credit cards to determine their value against similar products on the market. We look at a number of important factors, like welcome bonuses, introductory and ongoing earn-rates, any caps or restrictions on the points you can earn, plus the potential costs involved with running the card both in the short and longer term.
You can read more about our scoring criteria on our credit card methodology page.
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