All posts by Leonard Kreicas

Harley-Davidson Visa Signature Card

Get $150 in a Harley-Davidson gift card

model with Harley Davidson motorcycle
Harley Davidson Rider

when you’re approved for a new Harley-Davidson Visa Signature Card ($500 minimum spend).

Also don’t pay until 2021 with the 0% intro APR offer on purchases and balance transfers for 12 billing cycles.

Qualifying H.O.G. members can earn points just for doing the thing they love to do: Visa card holders receive 1 point for each mile ridden on an H-D motorcycle.

Not only that, the card offers Genuine Rewards to spend at Harley-Davidson dealerships with every purchase:

  • 3 points earned per $1 of net purchases at gas stations and H-D dealerships
  • 2 points earned per $1 of net purchases at restaurants, bars and lodging
  • 1 point earned per $1 of net purchases everywhere else

Other exclusive H-D Visa Signature Card Benefits are:

Additional Harley-Davidson Visa Card Benefits include:

  • Complimentary Annual Account Summary
  • Automatic Bill Pay
  • Zero Fraud Liability
  • Free Online Banking
  • Warranty Manager Service
  • Emergency Cash and Card Replacement
  • Auto Rental Collision Damage Waiver
  • Travel and Emergency Assistance Services
  • Travel Accident Insurance
  • Lost Luggage Reimbursement
  • Hotel & Motel Burglary Reimbursement
  • Lost/Stolen Card Reporting
  • Cardholder Inquiry Service

As part of the U.S. Bank family, cardholders are entitled to a U.S. Bank Gold checking account with no monthly fees.

For complete details and application, go to Harley-Davidson Visa page.

State Farm Rewards Credit Card

state_farm_rewards_visa_card

Get 3% rewards on insurance premiums (up to $4,000) with the State Farm Rewards credit card.

Save money on your medical insurance premiums? Or home insurance premiums? The State Farm credit card may be the answer to additional discounts for you.

State Farm credit card goes beyond rewards on auto insurance policies to rewards on

  • Medical insurance premiums
  • Home insurance premiums
  • Life insurance premiums
  • Liability insurance premiums

NOTE: A State Farm credit card holder would only receive $80 extra rewards on $4,000 of insurance premiums compared to a 1% rewards card, because $80 = $120 – $40.

Earn 100 points per $100 spend on all other purchases made with your State Farm cash back rewards card (certain restrictions apply).

You can redeem points for gift cards at

  • select retailers
  • e-certificates
  • catalog merchandise
  • air travel
  • hotels
  • eligible State Farm products

Apply toward a qualifying State Farm product and earn redemption premiums after getting at least 25,000 points.

Points Redeemed / Premium

  • 0-24,999 points — No Premium
  • 25,000 – 49,999 — 25% Premium
  • 50,000 – 99,999 — 35% Premium
  • 100,000 – greater — 50% Premium

You can also use your points as a gift, or transfer your points between State Farm Loyalty Rewards accounts that you own, or to another State Farm Loyalty Rewards account holder.

Best of all, the State Farm VISA card charges new account holders no interest for 12 months from the date of account opening.

This feature is great to finance those larger purchases that may not be affordable with a single paycheck or could empty your emergency savings account.

Other features include

  • Access to our financial management tools
  • 24/7 good neighbor service
  • Online and mobile access anytime
  • Account Fraud Monitoring
  • Visa $250,000 Travel Accident Insurance
  • Visa Auto Rental Collision Damage Waiver
  • Visa Travel and Emergency Assistance Services
  • Visa Warranty Manager Service
  • Visa Zero Fraud Liability
  • Visa Shopping and Travel discounts
  • Paperless statement option
  • Text alerts for security and reminders
  • Automatic payments so you never miss a payment
  • Free Pocket Agent app to access your account

The fine print (subject to change):

  • Annual fee: $0
  • No interest if balance paid in full with 24 days
  • Fee Balance Transfer: 3%
  • Fee Cash Advance: 5%
  • Fee Foreign Transaction: 3%
  • Fee Late Payment: up to $40
  • Fee Returned payment: up to $40
  • APR: 15.74% to 25.74%
  • APR Cash Advances: 25.99%

For details and application visit the State Farm Loyalty Rewards Program web page.