What the Harley-Davidson Visa Card is and who issues it
The Harley-Davidson Visa Card is a co-branded credit card issued by Synchrony Bank in partnership with Harley-Davidson Motor Company. It functions as a standard Visa card for purchases anywhere Visa is accepted, but it also offers rewards and benefits tied specifically to Harley-Davidson dealerships and merchandise.
The card is designed for people who ride Harley motorcycles or shop at Harley dealerships regularly. You can use it at any merchant that accepts Visa, but the card's rewards structure incentivizes spending at Harley locations. Synchrony handles the account management, billing, and customer service—not Harley-Davidson itself.
This is not a store card that works only at Harley dealerships. It is a full Visa card with a rewards program attached. The distinction matters because you are not locked into one retailer, but the rewards are strongest when you spend there.
Key Takeaways
- The Harley-Davidson Visa Card is issued by Synchrony Bank and works as a standard Visa card everywhere, with bonus rewards at Harley dealerships.
- You earn cash back or points on purchases, with higher rewards rates at Harley locations than on other purchases.
- The card may come with an annual fee, and the exact rewards structure and benefits vary depending on which version of the card you hold.
- Synchrony Bank manages your account, handles billing, and provides customer service—contact them directly for account questions.
- Your credit score affects whether you are approved and what interest rate you receive, so check your credit report before you request the card.
How to request the Harley-Davidson Visa Card
You can request the card through Harley-Davidson's official website or by visiting a Harley dealership in person. The dealership route is common because staff can walk you through the process and answer questions about the rewards program on the spot.
Online, you will find the card offer on Harley-Davidson's main website under financing or credit card sections. The request form asks for standard information: your name, address, date of birth, Social Security number, income, and employment details. Synchrony Bank reviews this information to decide whether to approve you and what credit limit to offer.
The entire request process takes about 15 minutes online. You will receive a decision within a few minutes to a few days. If approved, your card arrives by mail within 7 to 10 business days. If denied, Synchrony will send you a notice explaining why, and you can dispute inaccuracies on your credit report if that was the reason.
Rewards, cash back, and benefits
The card's rewards structure typically includes a higher cash back or points rate at Harley-Davidson dealerships and a lower rate on all other Visa purchases. The exact percentages change periodically, so check the current offer before you request the card. Some versions offer bonus points in your first year or on your first purchase.
You may also receive benefits such as extended warranty coverage on Harley parts and accessories, roadside information, or discounts on Harley merchandise and services. These perks vary by card version and change over time. When your card arrives, your welcome materials will list the current benefits and how to use them.
Points or cash back typically post to your account monthly. You can redeem them for statement credits, Harley merchandise, or dealership services depending on the program rules. Check your cardholder agreement or log into your online account to see your current balance and redemption options.
Annual fees and interest rates
Many versions of the Harley-Davidson Visa Card carry an annual fee, though some promotional offers waive the first year. The fee amount varies—it may be $0, $39, $49, or another amount depending on which card version you hold. Synchrony will disclose the annual fee before you complete your request, so you know the cost upfront.
Interest rates (called the APR, or annual percentage rate) depend on your credit score and credit history. Synchrony offers different rates to different people based on their creditworthiness. The card's APR for purchases, balance transfers, and cash advances will be listed in your approval notice. If you carry a balance, you will pay interest at that rate each month until the balance is paid off.
You can avoid interest charges by paying your full statement balance by the due date each month. The due date appears on your monthly statement and is typically 21 to 25 days after your statement closes.
How to set up your card and set up your account
When your card arrives in the mail, you must set up it before you can use it. You can set up it by calling the number on the back of the card, visiting Synchrony's website, or using the Synchrony mobile app. set up takes a few minutes and requires you to verify your identity.
After set up, log into your online account at Synchrony's website or read the Synchrony app to set up automatic payments, view your balance, and track your rewards. You can also set up account alerts to notify you when your statement is ready, when a payment is due, or when your balance reaches a certain amount.
If you want to use your rewards, log into your account and navigate to the rewards section. There you will see your current balance and available redemption options. Some redemptions process when ready as statement credits; others may take a few business days if you are ordering merchandise or scheduling a service appointment.
Making payments and managing your balance
You can pay your Harley-Davidson Visa Card bill online through Synchrony's website or app, by phone, by mail, or through automatic bank transfers. The easiest method is to set up autopay so your payment is deducted from your bank account automatically each month—you can choose to pay the full balance, the minimum payment, or a fixed amount you set.
Your monthly statement shows your balance, the minimum payment due, the due date, and the interest rate being charged. If you pay only the minimum, the remaining balance carries over to the next month and you pay interest on it. To avoid interest, pay the full statement balance by the due date.
If you miss a payment, Synchrony will charge a late fee and your interest rate may increase. Missing payments also damages your credit score, which affects your ability to borrow money in the future. If you are having trouble making a payment, contact Synchrony before the due date to discuss your options.
Frequently Asked Questions
Can I use the Harley-Davidson Visa Card anywhere, or only at Harley dealerships?
You can use it anywhere Visa is accepted worldwide. The card is a full Visa card, not a store card. However, you earn higher rewards at Harley dealerships than on other purchases, so the card is designed to reward Harley spending specifically.
What happens if I do not pay my bill on time?
Synchrony will charge a late fee and may increase your interest rate. Late payments also appear on your credit report and lower your credit score. If you miss a payment, contact Synchrony when ready to discuss payment options or hardship programs that may be available.
How do I check my rewards balance and redeem points?
Log into your Synchrony account online or through the mobile app and navigate to the rewards section. There you will see your current balance and available redemption options, which may include statement credits, Harley merchandise, or dealership services. Follow the prompts to complete your redemption.
Can I transfer a balance from another credit card to the Harley-Davidson Visa Card?
Synchrony may offer balance transfer options, but this varies by card version and current promotions. Check your cardholder agreement or contact Synchrony directly to ask whether balance transfers are available and what the terms are, including any transfer fees or promotional rates.
What should I do if I lose my card or suspect fraud?
Call the number on the back of your card or contact Synchrony when ready. Synchrony can freeze your account, cancel the card, and issue a replacement. You are not responsible for fraudulent charges if you report them promptly, but you must act quickly to protect your account.