It is my opinion that this card is greatly underrated. Probably because US Bank is the quieter of the largest banks, and that many aren\'t motorcycle enthusiast (neither am I). However this card has NO annual fee, reports to the 3 bureaus, and you can graduate in 12 months. Use the rewards for tee-shirt or something! Highly recommended. Never a problem. A compliment to Discover It (best) and Capital One Platinum (second best).

It does what it says. It reports as a “secured card to all 3 burrows I’ve had it for a Year February 12th I’ll update then if they switch me to unsecured I’ve never been late or used more than 15% of the $300 I also have a capital one secured card $99 deposit $200 limit I’ve had for 4 months (it does not report as secured) today I was approved for a discover it card with a $1200 limit and a capital one venture with a $300 limit so I can’t complain it did it’s job when no one else would help me. I went from a 498 to a 650 in one year.

Getting a secured credit card boosted my credit rating by 75 points almost immediately.

After a lot of research, I chose the Harley Davidson secured card because it has no annual fee and offers rewards points.

It was easy to sign up online and I got my approval and card within 10 days. Increasing my credit limit when I'm ready will be simple - the Customer Service Rep was very helpful and easy to deal with when I called. I've had to call Customer Service for a couple things - nothing that was the bank's fault at all - and the Reps have always been helpful and kind.

Overall, I have been very happy with my card and plan to keep it even when I someday no longer need a secured card.

terrible tried to online card, 800 number was of no use.

Harley Davidson offers the best secured credit card and its not even close to others. One can build ones credit with zero annual fees. The VISA logo is accepted anywhere and this card is an asset to have. I highly recommend the card to anyone interested in secured credit cards.

I really like the Harley-Davidson brand, so I'm happy to see that they have a secured credit card available on cardhub.com. I was going to choose the Capital One Secured card, but Capital One's card does not have a REWARDS PROGRAM. You get 1 point for every $1 spent that can be used for Harley's gift certificates or chrome cash. I also appreciate that the Harley-Davidson card does not have an annual fee. I don't think we should pay a yearly fee for a card unless it's interest free. The only other major difference beteween the two cards is that Harley-Davidson has a 3% foreign transaction fee and Capital one does not. I really like traveling, so that might be the deal breaker for me unless I plan to buy a lot of stuff from the Harley-Davidson store soon. They are two really great cards, but since I have the option of choosing a lessor deposit amount with the Capital One Card, I guess it's superior.

The Harley-Davidson Secured Credit Card is an excellent card to have when you are trying to repair your credit. It offers no annual fee or no monthly fee to have this credit card, this is huge to me because I hate paying any unneeded monthly fees. Especially when you are trying to fix your credit and you need all the help you can get. You do have to make a deposit and the deposit is also your credit spending limit. This is a good thing, because you will never overspend and run up debt you cannot afford, you are trying to fix your credit after all. Harley-Davidson Secured Credit Card gives you protection against fraud, so if it is stolen, no sweat and is a nice feature to have. With good management and control of this credit card they will eventually offer you a unsecured card that gives you a credit line without depositing money. Do not be discouraged by the Harley-Davidson logo, this is one of the best cards on the market to help you repair your credit and I highly recommend it.

You know what? I feel bad for anyone out there who needs to build up their credit score but either hasn’t yet come across the Harley Davidson Secured Credit Card or just overlooked it because of its motorcycle branding. I mean, the Harley Davidson Card is the best secured credit card on the market, in my opinion. Here’s why:

Background:

- Secured credit cards are generally recognized as the best credit building vehicles because they report to the major credit bureaus and tend to have lower fees as well less strict approval criteria than other cards targeted to people with no credit or damaged credit. The reason for that is you’re required to place a refundable security deposit that acts as your credit line, preventing you from spending more than you can afford to pay back and shielding the issuer from risk.

- Nevertheless, most secured cards charge tens of dollars in annual fees, and rewards are virtually unheard of in this card segment.

-The biggest priority for secured card users is to minimize costs in order to save as much money as possible for when they can actually get attractive rewards and low rates (you often have to pay an annual fee to get the best terms, even when you have excellent credit).

Harley Card:

- The Harley Davidson Secured Credit Card does not charge an annual fee, which means it offers free credit building. It’s the only secured card issued by a major bank (as opposed to a credit union) that does not charge an annual fee.

- The Harley Card also gives you some rewards on each dollar you spend.

- U.S. Bank (the issuer of the Harley Davidson Secured Card) will automatically review your account for a potential upgrade after 12 months of responsible use.

- You can place a deposit between $300 and $5,000. The ability to essentially give yourself that much available credit (remember, your deposit equals your credit line) means you can boost your credit building efforts at will.

Who should use it:

Secured cards are generally best for people who haven’t had much experience using credit or who’ve made mistakes in the past. For those in the “inexperienced” bucket, it’s important to note that you might want to check out a good unsecured card for newcomers (such as the Capital One Cash Rewards for Newcomers Card) or a student credit card first and only apply for a secured card if you don’t get approved or want some forced spending discipline.

If you have “bad” credit, a secured card is likely your best bet. The only caveat is if you need an emergency line of credit (for example, to pay car bills in order to get to work). The Harley Davidson Card, like most other secured cards, won’t help in that regard because you’re putting down the money for your credit line. The Capital One Secured Card could be of help because it’s a partially secured card, which means the credit line for which you’re approved might exceed your deposit. Otherwise, you’re stuck with an unsecured credit card for bad credit.