The certs can only be used at H-D dealer and any $ amount over the cert amount must be put on the same H-D credit card. You cannot use the cert and cash or cert and check or cert and other credit card etc.
geez, talk about gimping a "perk" haha. the 1% cashback is nice... except it isn't really cashback, it's just a way to get you to spend more $ at HD since you *have* to spend it there. and not being able to combine the gift certs with any form of payment other than the HD card? talk about self-serving! and a 90 day window to use it? now theyre just laughing at you.
skip the HD card, get a Discover or any other card that offers *actual* cashback and a better rate than 15%.
(side note: considering *everything* at an HD dealership is much more expensive than online, why even bother? that $25 "cashback" gift card brings the price of that chrome down to what you wouldve paid online in the first place....)