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Earning rewards points is easy—and using your card should be too. Here, we answer some of the most frequently asked questions.
Getting and using the H-D™ Visa card

Can I apply for the Harley-Davidson® Visa card over the phone?

Can I apply for the Harley-Davidson® Visa card over the phone?
Yes. Simply call 877-742-4766, extension 47000, to apply.

How long will it take to receive my card?

How long will it take to receive my card?
In most cases, when applying online you will receive the status of your application immediately. If you are approved, your card will arrive in 7-10 business days. Length of time varies depending on individual credit status, address verification and card processing time.
If you apply for the H-D™ Visa Secured card, you should receive your card 7-10 business days after we have received your application and initial security deposit.

Can I still get a Harley-Davidson® Visa card even if I don't own a Harley-Davidson® motorcycle?

Can I still get a Harley-Davidson® Visa card even if I don't own a Harley-Davidson® motorcycle?
Of course! The H-D™ Visa card is perfect for all Harley-Davidson® Enthusiasts, whether they ride or not.

What's the difference between the Harley-Davidson® Visa Signature®, High Performance and Secured cards?

What's the difference between the Harley-Davidson® Visa Signature®, High Performance and Secured cards?
Each card earns H-D™ Genuine Rewards points and entries into The H-D™ Visa Free Ride Sweepstakes.1
The H-D™ Visa Signature Card features greater rewards and expanded benefits.
Visit our Benefits Chart for a more complete overview.

How can I get a copy of the Harley-Davidson® Visa Signature card benefits package?

How can I get a copy of the Harley-Davidson® Visa Signature card benefits package?
Complete details and benefits information will be mailed to you with your new H-D™ Visa card, but you can also view the Signature benefits online

Is there an annual fee with the Harley-Davidson® Visa Card?

Is there an annual fee with the Harley-Davidson® Visa Card?
There is no annual fee with the Harley-Davidson® Visa Card.

Can I use the Harley-Davidson® Visa card only at Harley-Davidson® dealerships, or can I use it anywhere?

Can I use the Harley-Davidson® Visa card only at Harley-Davidson® dealerships, or can I use it anywhere?
The H-D™ Visa card works just like any other Visa card for purchases at the millions of places that accept Visa credit cards. And you earn H-D™ Genuine Rewards points no matter where you use your card, whether it?s for gas, groceries or Genuine Harley-Davidson® Motor Accessories.
H-D™ Genuine Rewards

When do my points expire?

When do my points expire?
Harley-Davidson® Genuine Rewards points are good for three years following the date they are awarded to your account, expiring on December 31 of the expiration year.

Why aren't Harley-Davidson™ Gift Cards sent out automatically?

Why aren't Harley-Davidson™ Gift Cards sent out automatically?
Some cardmembers prefer to save their Genuine Rewards points until they have enough to make a large purchase using Harley-Davidson™ Gift Cards, and some prefer to receive their Harley-Davidson™ Gift Card as soon as they earn enough points. So we allow cardholders to choose when they receive their Harley-Davidson™ Gift Card by having them request it when they are ready to redeem.

How do I redeem my H-D™ Genuine Rewards?

How do I redeem my H-D™ Genuine Rewards?
Log in to Online Banking, access your H-D™ Visa Mobile App or call 800-699-2281 to request a $25 H-D™ Gift Card (available in any amount in $25 increments).2 Choose to have your H-D™ Gift Card emailed to you to use right away, or mailed to you within 1-2 weeks.

How soon will I receive my Harley-Davidson™ Gift Card(s)?

How soon will I receive my Harley-Davidson™ Gift Card(s)?
Harley-Davidson™ Gift Card(s) requested in electronic form will arrive via email within minutes; H-D™ Gift Cards requested via mail will arrive in plastic form within 1-2 weeks from the time of your request.

When do my Harley-Davidson™ Gift Cards expire?

When do my Harley-Davidson™ Gift Cards expire?
Harley-Davidson™ Gift Cards issued from Genuine Rewards redemption do not expire.3

Where can I use Harley-Davidson™ Gift Cards?

Where can I use Harley-Davidson™ Gift Cards?
Use your gift card to purchase everything from Genuine H-D® Apparel, Accessories and home goods, to service or maintenance. The gift card is valid at participating, authorized Harley-Davidson® dealerships in the United States or online at h-d.com/store.
H-D™ Visa Free Ride Sweepstakes

What kind of motorcycle could I win?

What kind of motorcycle could I win?
This year, 12 new lucky winners will ride home on new bikes. Visit our Official Rules for a complete list of prizes.

What are the odds of winning the sweepstakes?

What are the odds of winning the sweepstakes?
The odds of winning depend on the number of entries received, including all transactions made by all cardmembers (purchases and cash advances) and all alternate entries.

Can I get a copy of the sweepstakes rules?

Can I get a copy of the sweepstakes rules?
Yes, a printable PDF version of the Official Rules is available online.

When does the sweepstakes end?

When does the sweepstakes end?
See the Official Rules for complete details.

Do I have to use the Harley-Davidson® Visa card to enter the sweepstakes?

Do I have to use the Harley-Davidson® Visa card to enter the sweepstakes?
No. You can enter through the mail. Simply follow the instructions on the Official Rules page under the section "Alternate Entry."
Managing your H-D™ Visa card account

Can I see my Harley-Davidson® Visa card billing statement online?

Can I see my Harley-Davidson® Visa card billing statement online?
Yes. You can access your H-D™ Visa card account information via U.S. Bank Online Banking. Login to your account, select your H-D™ Visa card and click "View Online Statements". Not enrolled in Online Banking yet? Enroll today!
You can also elect to go paperless and stop receiving statements in the mail each month.

Can I make a Harley-Davidson® Visa card payment online?

Can I make a Harley-Davidson® Visa card payment online?
Yes, through U.S. Bank Online Banking you can make a same day payment, schedule a future payment or set-up AutoPay. Learn more about your payment options.

Where should I call with questions about my Harley-Davidson® Visa card?

Where should I call with questions about my Harley-Davidson® Visa card?
Call 24/7 Cardmember Service with any questions about your H-D® Visa card.

What address should I send payments to?

What address should I send payments to?
Send all payments to: U.S. Bank, P.O. Box 790408, St. Louis, MO 63179-0408.
Additional Questions

What steps can I take to help maintain good credit?

What steps can I take to help maintain good credit?
Visit usbank.com/creditwellness for helpful information about how credit can play a role in your life.
H-D™ Visa Cardmembers enrolled in Online Banking can obtain their VantageScore® Credit Score4 ? at absolutely no cost! Learn more.

How do I read my statement?

How do I read my statement?
Your statement is designed to make it easy to view important information on your account. Learn more.

How can I download files or view my online statements using Internet Explorer version 8?

How can I download files or view my online statements using Internet Explorer version 8?
Users that are unable to download files or view online statements should change the 'Do not Save Encrypted Pages Setting' in the Security section. To change this setting:
- Go to: Tools > Internet Options
- Select the Advanced tab
- Scroll down to the Security section and uncheck 'Do not Save Encrypted Pages to Disk' setting