Harley-Davidson® Visa Signature® Card

Synchrony Visa Signature Pending

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11

Benefits

5

Reward Categories

3x

Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: hd-visa-card

Issuer: Synchrony

Card Name: Harley-Davidson® Visa Signature® Card

Card Type: Credit

Network: Visa

Card Tier: Signature

Approved: Pending

Data Complete: Complete

Created: Feb 17, 2026 04:09

Last Scraped: Feb 17, 2026 04:11

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

Synchrony Bank complies with the Servicemembers Civil Relief Act (SCRA), providing a 6% interest rate cap on pre-service obligations for eligible active duty Servicemembers and their dependents.

Rewards Program (Detailed) 5 Categories
PENDING
Category Rate Type Description Annual Cap Status
Harley-Davidson Purchases 3x Points Purchases at authorized Harley-Davidson® dealerships and on H-D.com No Cap
Gas 2x Points Purchases at gas stations No Cap
Dining 2x Points Purchases at restaurants No Cap
Hotels 2x Points Purchases on qualifying lodging (e.g., hotels, motels, resorts) No Cap
All Other Purchases 1x Points All eligible purchases not falling into other bonus categories No Cap
Rewards Summary
PENDING
Benefits & Protections (Detailed) 11 Total
PENDING
Financial 1
No Annual Fee
$0 annual fee

There is no annual fee for carrying the Harley-Davidson Visa card.

Security 3
Visa Zero Liability Protection
Full protection against unauthorized charges

Protects you from unauthorized purchases made with your card or account information. You are not held responsible for fraudulent charges.

Lost/Stolen Card Reporting
24/7 reporting service

Report your lost or stolen card to Visa Global Customer Care Services to help prevent unauthorized use.

ID Navigator Powered by NortonLifeLock
Identity theft protection tools

Provides tools to help keep you informed of potential identity theft threats. Includes Dark Web Monitoring, Data Breach Notifications, Stolen Wallet Assist, and Restoration Assist. Enrollment required.

Shopping 3
H-D™ Genuine Rewards Points Earning
Up to 3 points per $1 spent

Earn H-D™ Genuine Rewards points on eligible purchases made with your Harley-Davidson Visa card. Earn 3 points per $1 spent at Harley-Davidson® dealerships and H-D.com, 2 points per $1 spent at gas stations, restaurants, and bars, and 1 point per $1 spent everywhere else Visa is accepted.

Introductory Bonus Points
2,500 bonus points

Earn 2,500 bonus H-D™ Genuine Rewards points after your first purchase with your new Harley-Davidson Visa card.

H-D™ Genuine Rewards Points Redemption
Flexible redemption options

Redeem earned H-D™ Genuine Rewards points for H-D™ Gift Cards, merchandise, services, and more at participating Harley-Davidson® dealerships and H-D.com.

Travel Assistance 4
Emergency Card Replacement
Card replacement within 1-3 business days

If your card is lost or stolen, Visa can work with your financial institution to cancel your old card and send you a replacement card within 1 to 3 business days.

Emergency Cash Disbursement
Emergency cash access

If your card is lost or stolen, Visa can arrange for you to get emergency cash at a convenient location, typically within hours of approval from your financial institution.

Roadside Dispatch
Pay-per-use roadside assistance

A pay-per-use roadside assistance program. Cardholders can call a toll-free number to arrange for services like towing, tire changing, jump starting, lockout service, fuel delivery, and winching. Service fees apply per incident.

Travel and Emergency Assistance Services
Referral services for emergencies

Provides a referral service for medical, legal, and travel-related emergencies when you're away from home. Cardholders are responsible for the cost of any services obtained.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
PENDING

$100

Cash Back

Requirement: Spend $500 in 90 days

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Balance Transfer: Either $10 or 5% of the amount of each balance transfer, whichever is greater.
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater.
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 21.24% - 31.24%

Balance Transfer APR: 21.24%

Cash Advance APR: 31.24%

Intro APR Offers

Intro Purchase APR: 0% for 12 months

Intro BT APR: 0% for 12 months

Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 850
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: Eligibility requirements for the hd-visa-card typically include being 18 years or older, having a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), being a U.S. resident, and possessing a good to excellent credit history. Approval is subject to Synchrony's credit underwriting standards, which may include income verification and debt-to-income ratio assessment. New cardholders may receive an introductory offer, such as a percentage discount on their first Home Depot purchase or a statement credit after meeting a specified spending threshold within the first 30-90 days. Rewards, special financing offers, and discounts are primarily applicable to purchases made at The Home Depot stores or homedepot.com, with non-Home Depot purchases typically earning a lower reward rate or no special benefits.

Max Cards Per Issuer: 7

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, excessive credit limit utilization across Synchrony accounts, high cumulative credit limit with Synchrony, suspicious transaction patterns, frequent balance transfers without repayment, non-payment, excessive returns, or opening too many Synchrony accounts in a short period.

Cliff Effect Rules: Synchrony does not typically enforce strict 'card family' bonus restrictions like some major issuers. However, applying for multiple Synchrony cards (especially co-branded Visa/Mastercard versions) in a short period may lead to denials due to overall credit exposure. Having the basic Home Depot store card does not necessarily preclude approval for the HD Visa Card, but Synchrony will assess the applicant's overall credit profile and existing Synchrony relationships.

Special Events: Special financing offers (e.g., 0% APR for 6, 12, or 24 months on qualifying purchases), exclusive cardholder discounts on specific product categories, bonus reward points events, and project loan options.

Holiday Promos: Black Friday, Cyber Monday, Memorial Day, Labor Day, 4th of July, Spring Black Friday, and other seasonal sales events often feature enhanced financing offers or bonus rewards for cardholders.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.8 / 5.0

Top Positive:
Strong rewards on Harley-Davidson purchases, exclusive financing offers, and brand loyalty benefits. Good for enthusiasts.

Top Negative:
Limited redemption options outside of Harley-Davidson, customer service can be inconsistent, high APR for some users, and general Synchrony bank issues.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Chase Freedom Unlimited
  • Capital One SavorOne Cash Rewards Credit Card
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Card Value Score: 85.0 / 100

Est. Annual Rewards: $250.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0