Harley-Davidson Credit Card vs. Citi® Double Cash Card
If your spending is more varied than just Harley-Davidson stuff and gas stations, an all-purpose flat-rate cash back card is likely to snag you more rewards overall. The Citi® Double Cash Card is an excellent sidekick when it comes to paying for just about anything. For a $0 annual fee, the card earns a net 2% cash back—1% when you make a purchase and another 1% when you pay the bill.
If our sample household as outlined above uses this card instead of the Harley-Davidson one, it would earn $528 in cash back to the Harley-Davidson’s $438.
Harley-Davidson Credit Card vs. Costco Anywhere Visa® Card by Citi*
If you already have all the Harley-Davidson gear your garage and closet can hold, look to a card that will offer generous rewards on gas, lodging and just about everything else you might buy. The Costco Anywhere Visa® Card by Citi has no annual fee, as long as you have an eligible Costco membership (which costs $60 for a regular household, $120 for a business membership) and has some of the highest cash back earnings on gas you’ll find.
The card earns 4% on eligible gas, including gas at Costco for the first $7,000 per year (1% thereafter), 3% on restaurants and eligible travel purchases worldwide, 2% on all other purchases from Costco and Costco.com and 1% on all other purchases. That rewards rate leaves the Harley-Davidson card in the dust.
One potential speedbump with the Costco card: You only get your rewards once a year as a rewards certificate redeemable for cash or Costco merchandise.
Harley-Davidson Credit Card vs. Wells Fargo Propel American Express® Card*
The Wells Fargo Propel American Express® Card is another option that could work out in your favor if you’re aren’t in the market for pricey Harley-Davidson products every year. For a $0 annual fee, the card earns 3 points per dollar on dining out, ordering in, gas stations, rideshares, transit, flights, hotels, homestays, car rentals and popular streaming services. All other purchases earn 1 point per dollar spent. Unlike the Harley-Davidson card, points never expire.
The Propel also comes with cell phone coverage for damage or theft of up to $600 of two paid claims per 12 month period, with a $25 deductible, that could save you money if you were already paying for it.