Get Riding With The Harley Davidson MasterCard

The Harley-Davidson MasterCard is a rewards credit card that rewards its cardholders with Chrome Cash that they can used toward Harley-Davidson stores around the country. Not only do Harley-Davidson enthusiasts receive this money saving program, but there are protections and exclusive opportunities that can keep more money in the wallet.

Overall, the Harley-Davidson MasterCard is filled with features and benefits that will save cardholders money. The more the card is used, the more benefits there are. There is even an option to add authorized users so you can earn points for all of their purchases as well. This is done by adding additional cards to the account, which can be easily requested online.

One major benefit to this card is that there is no annual fee. In other words, cardholders are able to enjoy the benefits and protections that the card offers without having to pay anything for them outside of their interest rate.


There are a number of benefits, giving this card true platinum status. First, cardholders earn Harley-Davidson rewards for every eligible net retail purchase. The points that are earned are redeemed for the very unique Chrome Cash. Chrome Cash can be used at any participating Harley-Davidson store in the country for merchandise, MotorClothes, MotorAccessories, Service, and can even toward a new Harley-Davidson motorcycle.

Cardholders also receive free access to their credit card account with online access. You can check your balance, check your available credit, make your payment, view your transaction history, and also manage your rewards balance. You can even set up automatic billing so that you don't have to remember to pay your bills. Instead, your bill payments are automatically deducted from your card's available credit.

The additional benefits include the MasterPurchase Purchase Protection plan, the MaterPurchase Extended Warranty, and the MasterRental Collision Damage Waiver Auto Rental Insurance.

The MasterPurchase Purchase Protection program protects your eligible card purchases from damage or theft for 90 days after the purchase. All you do is contact MasterAssist to have the item repair or replaced.

If you must use the MasterPurchase Extended Warranty, you are using it to double the manufacturer's warranty up to a certain amount of time. This helps you to get the most out of items, especially when the defect that interferes with its function is a manufacturer’s issue.

The MasterRental Collision Damage Waiver is meant to take the place of the collision damage waiver that car rental companies ask you to take in order to cover damage to the car. That costs extra when you sign up for it through the car rental establishment. When you use the MasterRental service, you do not have to pay extra because it is a complimentary service that comes with the card.

Balance Transfers

Balance transfers are another benefit because they are very easy way to save money by transferring a balance from a high interest card to a lower interest card. Of course, the APR is going to vary with the Harley Davidson MasterCard because it is based on creditworthiness and the service that you are taking advantage of. For instance, balance transfers do have a fee that is a small percentage of the total transfer. Balance transfers also have an APR that is different from the purchase APR.


As far as the fees go, there are fees for some of the services that are provided by the card. For instance, there is a fee for balance transfers, as well as a fee for cash advances. Cash advances also have their own annual interest rate.

If a payment is made late, then there is a default rate. The default rate is an increase in the interest rate by a certain percentage. Once the payment is made on time for a specific period of time, the default rate will decrease back to the standard rate.

There are also fees for the following with each being a percentage of the amount of money involved in the transfer:

  • Foreign transactions
  • Wire transfers
  • Access cheque or deposit

There are other fees that are flat fees rather than a percentage of the transaction. They include:

  • Over the credit limit fee
  • Returned access cheque fee
  • Returned payment fee
  • Sales draft or extra statement copy fee

These are fees that are controllable based upon how the card is used. Another fee is the inactive credit balance fee. This is a fee that is charged if there is a credit balance and the card is inactive. This is an annual charge on the anniversary date the card became inactive.


Because you need security, there are a number of security measures that have been put in place to protect your account and your information. The first measure is the zero liability policy, which protects you if your card is lost or stolen. You will be reimbursed for any unauthorized transactions made to the card due to the theft or loss of the card.

There is also fraud monitoring, which looks for suspicious activity on your card. MBNA, the card issuer, is rather good at recognizing the cardholder's usage habits, so their systems can detect unusual activity and block further transactions. Suspicious activity includes the card being used on opposite sides of the country within a short period of time, especially when the transactions are not online transactions.

The last protection is password protection that gives you security when using the card online. Because a lot of credit card fraud occurs online, it is important that there is some kind of protection in place. If fraudulent activity does happen, then you can take advantage of the zero liability policy.

Final Word

In the end, the Harley-Davidson MasterCard is a card that takes care of the Harley-Davidson enthusiast or those who simply like to ride. With the security, low fees, no annual fee, and the rewards program, the cardholder is presented with a number of ways to keep more cash in their pocket while getting to enjoy some of the finer things in life.

You may also be interested in: