The Harley-Davidson credit card is a co-branded card issued by Citi that rewards purchases at Harley-Davidson dealerships and related merchants

The Harley-Davidson credit card, issued through Citi, is designed for people who buy from Harley-Davidson dealerships, authorized service centers, and the official Harley-Davidson online store. The card earns points on those purchases and can be redeemed for Harley-Davidson merchandise, service credit, or gift cards. It also offers benefits like extended warranties and purchase protection.

The card does not earn rewards on everyday purchases outside the Harley-Davidson ecosystem, so it works best for owners and serious enthusiasts who plan regular dealership visits for parts, service, or gear. If you rarely visit a Harley dealer, a general-purpose rewards card will likely serve you better.

Key Takeaways

  • The card earns points at Harley-Davidson dealerships and the official online store, with bonus points on your first purchase after opening the account.
  • Points can be redeemed for Harley-Davidson merchandise, service credit at dealerships, or gift cards, but not for cash back.
  • The card carries an annual fee, which you should weigh against the value of rewards you expect to earn in a year.
  • Purchase protection and extended warranty coverage are included, protecting may be able to access purchases against damage and defects.
  • The card is only useful if you have regular access to a Harley-Davidson dealership and plan to make purchases there.

How the rewards program works

You earn points for every dollar spent at Harley-Davidson dealerships, the Harley-Davidson online store, and authorized service centers. The card typically offers a welcome bonus of points after your first purchase, though the exact amount varies by offer period. Points accumulate in your account and do not expire as long as your account remains open and in good standing.

Points redeem through the Harley-Davidson rewards portal, where you can browse available merchandise, service credit, and gift card options. The redemption value varies depending on what you choose — some items may require fewer points than others. Unlike cash-back cards, you cannot convert points to statement credits or transfer them to another program.

Annual fee and when it makes sense

The Harley-Davidson card charges an annual fee. Whether this fee is worth paying depends entirely on how much you spend at Harley dealerships and service centers each year. If you spend enough to earn rewards that exceed the annual fee, the card pays for itself.

For example, if the annual fee is $95 and you earn points worth $150 in rewards over a year, you come out ahead by $55. But if you visit a dealership only once every two years, the fee will likely outweigh any rewards you earn. Calculate your expected annual spending at Harley locations before opening the account.

Purchase protection and extended warranty benefits

The card includes purchase protection, which covers may be able to access purchases against accidental damage, theft, or loss for a set period after purchase. This applies to items bought with the card at Harley-Davidson locations. The coverage period and claim limits vary, so review the full terms in your cardholder agreement.

An extended warranty benefit extends the manufacturer's warranty on may be able to access products purchased with the card. This can be valuable if you buy parts or accessories that come with a standard warranty — the card extends that coverage at no additional cost. Again, specific terms depend on the product and the current card offer.

Comparing the Harley-Davidson card to general rewards cards

A general-purpose rewards card like the Chase Sapphire Preferred or American Express Blue Cash Preferred earns cash back or points on all purchases — groceries, gas, dining, travel, and more. Those cards typically earn 1.5 to 3 percent back on most categories, which adds up quickly across everyday spending.

The Harley-Davidson card, by contrast, earns nothing outside Harley dealerships. If you spend $500 a month on groceries, gas, and dining but only $200 a month at Harley, a general rewards card will earn you more value overall. The Harley card makes sense only if dealership spending is a significant part of your annual budget or if the specific rewards (like service credit) matter more to you than cash back.

How to use points strategically

Before redeeming points, compare the value of different options. A $50 Harley-Davidson gift card might cost 5,000 points, while a specific part or accessory might cost 3,000 points. Calculate the per-point value of each option — if the gift card is worth 1 cent per point but the part is worth 1.5 cents per point, the part is the better deal.

Service credit is often the highest-value redemption because dealership service rates are high. If you plan regular maintenance or repairs, redeeming points for service credit can offset a significant portion of those costs. Check your dealership's service menu and pricing before deciding how to use your points.

Who should and should not get this card

Get the Harley-Davidson card if you own a Harley, live near a dealership, and spend at least $1,000 to $1,500 a year on parts, service, or gear. The rewards and benefits will likely exceed the annual fee. You should also have good credit, since co-branded cards typically require a score of 670 or higher.

Skip this card if you do not own a Harley, rarely visit dealerships, or prefer the flexibility of cash back. You will also want to avoid it if you carry a balance month to month, since the interest charges will quickly erase any rewards value. A general rewards card will serve you better in almost every other scenario.

Frequently Asked Questions

Can I use the card at places other than Harley-Davidson dealerships?

You can use the card anywhere Visa or Mastercard is accepted, but you only earn points at Harley-Davidson dealerships, authorized service centers, and the official Harley-Davidson online store. Purchases at other retailers earn no rewards.

What happens to my points if I close the account?

Points typically expire if your account is closed or becomes inactive. Check your cardholder agreement for the exact policy, but most issuers void remaining points when an account is terminated. Keep the account open if you plan to redeem points later.

Is there a sign-up bonus, and how much is it worth?

The card usually offers a welcome bonus of points after your first purchase, but the amount changes depending on the promotion period. Visit the Citi website or call the card issuer to see the current offer before you open an account.

Can I redeem points for cash back?

No. Points can only be redeemed for Harley-Davidson merchandise, service credit, or gift cards. There is no option to convert points to a statement credit or cash deposit.

What credit score do I need to get approved?

Most co-branded cards require a credit score of 670 or higher, though approval depends on your full credit profile, income, and existing debt. Check your credit report before explore to understand where you stand.