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You're in luck. While the Harley card with Visa Signature is offered to people with excellent credit, there are other options for folks whose credit isn't quite spotless. Harley offers a "high performance" card that offers one point for every dollar spent, and is less stringent about credit requirements. You can also look into secured cards, which allow you to put down a deposit equal to the amount of your credit limit. This acts as collateral in case you default on the loan, and protects the card issuers while letting you build your credit score back up. There are always options if you need a card, no matter how low your credit score has fallen. Everyone has hard times, but if you're a Harley fan, chances are you are a survivor. You'll get back up again and be rewarded with a great credit card in no time.