Harley Ultra Card (in partnership with Tymit) review
- Representative example:
- When you spend £1,200 at a purchase rate of 29.9% (variable) p.a. with a fee of £120 per annum, your representative rate is 58.29% APR (variable).
- Foreign transaction charge
- 0%
- Earn rate
- 1 point per £1 spent
- Earn rate (at select partners)
- 3 points per £1 spent
Our verdict
The new Harley-Davidson Ultra credit card, launched in partnership with Tymit, is packed with exciting features specifically designed for Harley-Davidson fanatics.The new Harley-Davidson Ultra credit card, launched in partnership with Tymit, is packed with exciting features specifically designed for Harley-Davidson fanatics.
As well as earning loyalty points on your credit card spend that can be redeemed on Harley-Davidson merchandise, you can spread your purchases over 3 to 36 monthly instalments. Different repayment plans can be set up for each purchase made.
Interest is added to your monthly instalments unless you spend at an authorised Harley-Davidson dealer or at h-d.com. If so, you can split your payments over 3 months and enjoy 0% interest.
But that’s not all. You can also benefit from 0% foreign transaction fees, tyre insurance for your Harley, and bonus points for H.O.G. (Harley Owners Group) members.
The major downside is these perks don’t come for free. There’s an annual fee of £120 for the Ultra credit card, so if you’re not keen on paying that, you might want to look at the card’s little sister instead. The rewards aren’t as comprehensive, but there’s no annual fee.
In addition, as mentioned, any balance that isn’t included in the 0% 3-month instalment plan or repaid in full the following month will attract interest, and this could outweigh the rewards earned with the card.
The other big watch out is that you can't use all those lovely loyalty points to cut the cost of a new motorbike, which is a little disappointing.
Pros
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Earn loyalty points whenever you spend
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Bonus 10,000 points for H.O.G. members
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Option to spread Harley-Davidson purchases over 3 months interest-free
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Choose to spread the cost of all other purchases over 3 to 36 months
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Redeem points on Harley-Davidson purchases
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Free tyre insurance for 1 year
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Visa Luxury Hotel Collection benefits
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0% foreign transaction fees
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Easy to track your points in the app
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Ability to pay back your instalment plan early
Cons
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£120 annual fee
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Interest applies to general purchases repaid over 3 to 36 months
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Points can’t be redeemed on Harley-Davidson motorbikes
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You must have a good credit history and be at least 21 to be eligible
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Points expire after 24 months
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Each point only has a cash value of £0.005
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You’ll only be able to redeem up to 10% of the purchase price
Details
Product Overview
| Issuer | Tymit Ltd. |
| Network | Visa |
| Annual/monthly fees | £120 |
| Purchases | 29.9% |
| Maximum credit limit | Subject to status |
| Incentive | Enjoy H.O.G.® member benefits and tyre insurance for your Harley. |
| Additional Rewards Info | Earn 3 points for every £1 spent at Harley-Davidson and participating dealers. Earn 2 point for every £1 spent at participating UK hotels, restaurants and fuel stations. Earn 1 point for every £1 spent elsewhere. |
| Travel incentive | Visa Luxury Hotel Collection |
| Potential costs | 8.3Great |
| Doing its job | 8.8Great |
| Extras | 8Great |
| Overall Finder Score | 8.8Great |
Fees and charges
| Annual/monthly fees | £120 |
| Foreign usage charge (EU) | 0% |
| Foreign usage charge (rest of world) | 0% |
| Late payment fee | £10 |
Who is Harley-Davidson and why has it partnered with Tymit?
Founded in 1903 in Milwaukee, Wisconsin, United States, Harley-Davidson has become one of the most recognisable and iconic motorcycle brands around the world. The company has now teamed up with fintech Tymit to offer a flexible credit product that will help Tymit expand its customer reach.
Key features of the Harley-Davidson Ultra credit card
- Earn loyalty points. Earn between 1 point and 3 points for every £1 you spend on the card. Points vary depending where you shop.
- Bonus points for H.O.G. members. You’ll earn 10,000 extra points (equal to £50 credit) if you spend £100 or more at a participating Harley-Davidson dealership or at h-d.com within the first 2 months.
- 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.
- Tyre insurance. Get essential cover for your Harley for 1 year.
- Manage your account in the app. Use the app to track your points, get bill breakdowns and choose your payment plans.
- Lost and stolen card assistance. Assistance within 24 hours and replacement card within 5 working days.
- 0% foreign transaction fees. You can spend on your card abroad fee-free.
- Visa Luxury Hotel Collection benefits. This includes complimentary services and special requests at selected hotels.
- Manage your account in the app. Use the app to track your points, get bill breakdowns and choose your payment plans.
- Customer service phone line. Available Monday to Friday.
- Lost or stolen card assistance. Priority assistance within 30 minutes and card replacement the next business day.
The Harley Ultra 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 Ultra credit card?
Earning rewards
Whenever you spend on your Harley-Davidson Ultra credit card, you’ll earn points. How much you earn depends on where you’ve shopped:
- Escape points (earned at participating Harley-Davidson dealers and on harleydavidson.com). You’ll earn 3 points for every £1 spent.
- Experience points (earned at UK hotels, restaurants and fuel stations). You’ll earn 2 points for every £1 spent.
- Everyday points (everywhere else). You’ll earn 1 point 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
You can only redeem points on the h-d.com website or at participating Harley-Davidson dealers.
Each point has a cash value of £0.005, and points expire after 24 months from the moment of purchase. Also, you can only redeem up to 10% of the purchase price.
You can select whether you want to redeem or earn points up to 8 hours after a purchase. After 8 hours, points are automatically added to your balance.
0% interest instalment plans
If you make a purchase at an authorised Harley-Davidson dealer or at h-d.com, you can split your repayments over 3 months interest-free. This is easy to set up in the app. You can also pay off the amount early if you want to, and this applies to all instalment plans.
How much does the Harley-Davidson Ultra credit card cost?
There’s a £120 annual fee with the Harley-Davidson Ultra credit card. You’ll also be charged interest on any purchases repaid over 3 to 36 months (excluding any under the 0% offer).
If you are late with a repayment, a £10 fee applies.
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:
| Minimum amount | |
|---|---|
| Fixed amount | |
| Fixed percentage | |
| Full amount |
How to apply for the Harley Davidson Ultra Credit Card
If you've compared cards and settled on the Harley Ultra 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 Ultra credit card, you will need to:
- Be a UK resident with at least 3 years’ address history.
- Be at least 21 years old.
- Have 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 looking to add to your Harley-Davidson accessories collection, the Harley-Davidson Ultra credit card (in partnership with Tymit) is a tempting offer. As long as you’re happy to pay an annual fee, you’ll earn double the points you’d earn with the Classic credit card and benefit from additional perks, such as tyre insurance and fee-free spending abroad.
Each point is only worth £0.005, so it could take a while before you build up enough points for a decent discount. But if you’re a H.O.G. member, you can take advantage of the 10,000 bonus points to help you achieve your goal faster.
Just keep in mind that if you don’t pay off your balance in full each month, all purchases that don’t qualify for the 0% instalment plan will accrue interest.”
If you’re interested in this card, 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
Finder Score for credit cards
To make comparing even easier we came up with the Finder Score. Costs, perks and suitability across 120+ cards are all weighted and scaled to produce a score out of 10. The higher the score the better the card – simple.
Read the full methodologyOther popular reward cards
Finder Score for credit cards
To make comparing even easier we came up with the Finder Score. Costs, perks and suitability across 120+ cards are all weighted and scaled to produce a score out of 10. The higher the score the better the card – simple.
Read the full methodologyApproval 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
Can I withdraw cash using the Harley-Davidson Ultra credit card (in partnership with Tymit)?
It is possible to withdraw cash on your credit card, but it’s best not to. As well as incurring a cash advance fee of £10, you’ll also pay interest on this part of your balance from the moment you get your cash, making it expensive.
What is an instalment credit card?
An instalment credit card lets you split your purchases into regular instalments. You can usually set up a different instalment plan for each purchase. This can make it easier to repay your balance.
What types of purchases are eligible for the 0% interest instalment plans?
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?
The credit limit you’re offered depends on your income and your credit history. You’re more likely to get a higher credit limit with a high income and good credit rating.
You won’t usually find out your credit limit until after you’ve applied for the card.
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