Harley Ultra Card (in partnership with Tymit) review

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:

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 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

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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 Ultra Card (in partnership with Tymit) Harley Ultra Card (in partnership with Tymit)		4.2 ★★★★★	★★★★★ Expert analysis	N/A	3 points per £1 spent	1 point per £1 spent	£120	58.29% APR (variable)	Read review Compare	Enjoy H.O.G.® member benefits and tyre insurance for your Harley.	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).	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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British Airways American Express® Credit Card British Airways American Express® Credit Card Finder Award		4.0 ★★★★★	★★★★★ Expert analysis	5,000 points	1 point per £1 spent	1 point per £1 spent	£0	30.7% APR (variable)	Check eligibility Read review Compare	New Cardmembers collect 5,000 bonus Avios when you spend £2,000 in the first 3 months of your Cardmembership. T&Cs Apply, 18+, subject to status.	Representative example: When you spend £1,200 at a purchase rate of 30.7% (variable) p.a., your representative rate is 30.7% APR (variable).	loading Fetching your data...
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Nectar Credit Card Nectar Credit Card Finder Award		3.8 ★★★★★	★★★★★ Expert analysis	20,000 points	3 points per £1 spent	2 points per £1 spent	Year 1 - £0, Year 2 onwards - £30 per annum	37.5% APR (variable)	Check eligibility Read review Compare	New welcome offer: Earn 20,000 bonus Nectar points when you spend £2,000 in your first 3 months. Earn a minimum of 3 Nectar points for virtually every £1 spent at Nectar partners, and 2 Nectar points for virtually every £1 spent elsewhere.	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 - £30 per annum, your representative rate is 37.5% APR (variable).	loading Fetching your data...
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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Tesco Bank Balance Transfer Card Tesco Bank Balance Transfer Card Finder Award		4.1 ★★★★★	★★★★★ Expert analysis	N/A	1.25 points per £1 spent	1 point per £8 spent	£0	24.9% APR (variable)	Read review Compare	5 points per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco. Must have available credit to earn points. Points are converted to Tesco vouchers or can be exchanged for Partner rewards to receive money off a variety of restaurants or entertainment.	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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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

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.