Harley Classic Card (in partnership with Tymit) review

Who is Harley-Davidson and why has it partnered with Tymit?

Harley-Davidson was founded in 1903 in Milwaukee, Wisconsin, United States. The motorcycle manufacturer has become renowned across the globe, with its iconic logo and unique brand. It has recently teamed up with fintech Tymit to offer a flexible credit product. Tymit’s aim is to help more merchants create bespoke instalment credit programmes for their customers and reach new audiences.

Key features of the Harley-Davidson Classic credit card

• Earn loyalty points. Earn between 0.5 points and 1.5 points for every £1 you spend on the card. Points vary depending where you shop.
• Redeem points at Harley-Davidson. You can spend your points on Harley-Davidson accessories at h-d.com or at your local Harley-Davidson dealership.
• Flexible instalment plans. Repay your balance in full the following month or set up an instalment plan to repay each purchase over 3 to 36 months, with interest added.
• 3 months interest free. If you make a purchase at a Harley-Davidson dealership or online at h-d.com, you can split your payment into 3 interest-free instalments.
• Manage your account in the app. Use the app to track your points, get bill breakdowns and choose your payment plans.
• No annual fee. You won’t have to pay an annual fee with the Classic card.
• Lost and stolen card assistance. Assistance within 24 hours and replacement card within 5 working days.

The Harley Classic Card (in partnership with Tymit) is issued on the Visa network (used by a whopping 4.2 billion cards), so you'll be able to use it at more than 100 million merchant locations across more than 200 countries and territories.

What benefits can I get with a Harley-Davidson Classic credit card?

Earning rewards

Whenever you spend on your Harley-Davidson Classic credit card, you’ll earn points. How much you earn will depend on where you’ve shopped:

• Escape points (earned at participating Harley-Davidson dealers and on harleydavidson.com). You’ll earn 1.5 points for every £1 spent.
• Experience points (earned at UK hotels, restaurants and fuel stations). You’ll earn 1 point for every £1 spent.
• Everyday points (everywhere else). You’ll earn 0.5 points for every £1 spent.

Points can’t be earned on transactions such as cash withdrawals or if you return an item and get a refund during the 30 days after the purchase.

Redeeming rewards

Points earned with your card can only be redeemed on the h-d.com website or at participating Harley-Davidson dealers.

You can choose whether you want to redeem or earn points up to 8 hours after a purchase. After 8 hours, you’ll automatically earn points that will be added to your balance after 30 days.

Points expire after 24 months from the moment of purchase. Each point has a cash value of £0.005. You’ll also only be able to redeem up to 10% of the purchase price.

0% interest instalment plans

For purchases made at an authorised Harley-Davidson dealership or at h-d.com, you can choose whether you want to take advantage of a 3-month 0% payment plan. You can select to do this in the app. As long as you stick to your repayments and pay off the purchase within 3 months, you won’t be charged interest. You can also pay the amount back early if you want to (this applies to all instalment plans).

How much does the Harley-Davidson Classic credit card cost?

There is no annual fee for the Harley-Davidson Classic credit card. However, you will be charged interest on any purchases you repay through a 3-36 month instalment plan (with the exception of the 0% offer).

You may also be charged a £10 fee for late payments and a 2.99% foreign exchange fee applies if you use your card overseas.

Repayment options

You can make manual repayments through Harley-Davidson Financial Services's app by logging in to your online banking or over the phone. Alternatively, you may wish to set up a direct debit.

A direct debit protects you from forgetting to make a repayment and either damaging your credit score, getting hit with a penalty fee (£10) or losing any promotional rates as a result.

You can arrange a direct debit for repayments when you apply for the credit card. The table below shows the options available.

Choose from the following direct debit options for your monthly repayments:

How to apply for the Harley Davidson Classic Credit Card

If you've compared cards and settled on the Harley Classic Card (in partnership with Tymit), completing the secure online application form takes about 15 minutes. Before you apply, check that you meet the eligibility requirements and have the information and documents you'll need to make the process as straightforward as possible.

Who is eligible?

To be eligible for the Harley-Davidson Classic credit card, you will need to be:

• A UK resident with at least 3 years’ address history
• At least 21 years old
• No negative marks on your credit history.

When you apply for a card, you might need to provide further information to verify your identity and assess your affordability. This can include your passport, your driving licence and a recent payslip.

If you’re interested in this card then you can check your eligibility and apply via the provider’s form. If this card is not for you, compare others in our full guide.

How does it compare?

Harley-Davidson Financial Services's card

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Name	Product UKCCF	Finder Score	Finder score	Max. intro bonus	Earn-rate with brand	Default earn-rate	Annual/monthly fees	Representative APR	Link	Incentive	Representative example
Harley Classic Card (in partnership with Tymit) Harley Classic Card (in partnership with Tymit)		3.5 ★★★★★	★★★★★ Expert analysis	N/A	1.5 points per £1 spent	1 point per £2 spent	£0	29.9% APR (variable)	Read review Compare	Earn 1.5 points for every £1 spent at Harley-Davidson and participating dealers.	Representative example: When you spend £1,200 at a purchase rate of 29.9% (variable) p.a., your representative rate is 29.9% APR (variable).	loading Fetching your data...

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Name	Product UKCCF	Finder Score	Finder score	Max. intro bonus	Earn-rate with brand	Default earn-rate	Annual/monthly fees	Representative APR	Link	Incentive	Representative example
M&S Bank Credit Card Purchase Plus Offer Mastercard M&S Bank Credit Card Purchase Plus Offer Mastercard		4.1 ★★★★★	★★★★★ Expert analysis	N/A	1 point per £1 spent	1 point per £1 spent	£0	24.9% APR (variable)	Check eligibility Read review Compare	1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card.	Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).	loading Fetching your data...
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The Marriott Bonvoy American Express Card The Marriott Bonvoy American Express Card Finder Award		4.0 ★★★★★	★★★★★ Expert analysis	20,000 points	6 points per £1 spent	2 points per £1 spent	£95 per annum	54.5% APR (variable)	Check eligibility Read review Compare	Earn 20,000 bonus Marriott Bonvoy ® points when you spend £3,000 in the first 3 months of Cardmembership. 18+, subject to status. Terms apply.	Representative example: When you spend £1,200 at a purchase rate of 30.7% (variable) p.a. with a fee of £95 per annum, your representative rate is 54.5% APR (variable).	loading Fetching your data...
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American Express® Preferred Rewards Gold Credit Card American Express® Preferred Rewards Gold Credit Card Finder Award		4.0 ★★★★★	★★★★★ Expert analysis	30,000 points	3 points per £1 spent	1 point per £1 spent	Year 1 - £0, Year 2 onwards - £195 per annum	88.3% APR (variable)	Check eligibility Read review Compare	New Cardmembers earn 30,000 Membership Rewards® points when you spend £3,000 in your first 3 months of Cardmembership. Offer ends 14 January 2025. Terms Apply. 18+, subject to status.	Representative example: When you spend £1,200 at a purchase rate of 30.7% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £195 per annum, your representative rate is 88.3% APR (variable).	loading Fetching your data...
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Approval for any credit card depends on your status. The representative APRs shown represent the interest rate offered to most successful applicants. Depending on your personal circumstances, the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow. Most of the data in Finder's comparison tables is provided by Moneyfacts.

Frequently asked questions

What is an instalment credit card?

An instalment credit card enables you to split the cost of each purchase you make into regular instalments. The aim is to make repaying your purchases more manageable. Depending on the card, you might not have to pay interest or fees for a set time.

What types of purchases are eligible for the 0% interest instalment plans?

With the Harley-Davidson Classic credit card, only purchases made on h-d.com and at authorised Harley-Davidson dealerships will qualify for the 0% interest instalment plan.

What credit limit will I get?

Your credit limit will depend on factors such as your credit history and your income. You won’t usually find out your credit limit until after you’ve applied for the card.