H-D Visa®

This card makes the most sense for someone who wants a Harley-Davidson branded card, prefers a very simple setup, and values paying no annual fee. The no foreign transaction fee is a useful touch if you travel internationally or make purchases from overseas merchants, and the welcome bonus is easy enough to earn.

For most readers, though, the long-term value is limited. Earning 1% back on purchases is a low return for an everyday card, especially when many no-annual-fee cards offer stronger flat-rate rewards or bonus categories. If you want a card primarily for rewards, this is probably not the one to keep at the front of your wallet.