Harley Davidson® Experience Credit Card Current Credit Card Agreements

Harley Davidson® Experience Credit Card Current Credit Card Agreements, as filed by Comenity Capital Bank, carries a 35.99% purchase APR, no annual fee and a 39.99% penalty rate. That purchase rate ranks near the 97th percentile across this corpus of 4,587 filings.

What this filing discloses

What follows is drawn entirely from Comenity Capital Bank's CFPB filing for Harley Davidson® Experience Credit Card Current Credit Card Agreements. The filing runs 15 pages.

The filing is explicit about a purchase rate, a penalty rate, an annual fee line and a late payment maximum. It is silent on a cash advance rate, a balance transfer rate and a foreign transaction fee.

Pricing the purchase rate

35.99% puts the purchase APR near the 97th percentile across 2,280 agreements, so it sits in the top few percent of the entire set.

What the rate means in dollars

The purchase rate turns a $5,000 revolving balance into roughly $2,165 of annual interest.

Against the corpus median of 21.99%, that is approximately $935 a year of extra interest on the same $5,000.

These figures are arithmetic on the disclosed rate, not a quote: they assume the balance is never reduced, ignore any payments, and take no account of fees charged separately.

The fee structure

The annual fee is $0. Roughly 75% of filings here that state a fee state zero, so the absence of one is unremarkable in this market.

The downside terms

The agreement discloses penalty pricing of 39.99% — about the 86th percentile of the 794 penalty rates recorded across this index.

The jump from 35.99% to 39.99% is 4 percentage points, worth roughly $117 extra per year on $2,000 of balance.

The maximum late fee is $41 — roughly the 89th percentile of the late fee ceilings disclosed across this index.

The no-interest path

Where interest applies at all, the filing bills at least $3. On a tiny balance that floor can dwarf the rate itself.

What is outside the disclosure

This page cannot tell you anything about cash advances, balance transfer terms, a foreign transaction fee and a grace period, because the filing's disclosure table as read does not contain them.

An agreement filing is not a marketing document. Rewards, perks, welcome offers and eligibility rules are not in it, are not in this dataset, and are therefore not discussed anywhere on this page.

The issuer's other agreements

There are 100 filings from Comenity Capital Bank in this index. Their disclosed purchase rates run from 14.74% to 35.99%, and this one at 35.99% is more expensive than 47 of them.

On fees, 34 of the 89 sibling filings that disclose an annual fee also set it at zero — this one is among them.

Where the authority sits

This summary stands or falls on the linked PDF — 15 pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.

In short

35.99% on purchases is the number that dominates this agreement. Paid in full each cycle it never applies; carried, it is among the dearer prices in this index. Because there is no annual fee, everything depends on the revolving behaviour: used as a payment instrument and cleared monthly, this agreement costs nothing.