Rutherford island theory, which governs the nonlinear evolution of tearing modes in tokamak plasmas, is generalized to take into account situations in which the conventional one-harmonic approximation is not valid. The analysis incorporates non-inductive currents driven by radio frequency (RF) electromagnetic waves injected into the plasma. A multi-harmonic tearing mode dispersion relation is derived that takes the form of a nonlinear inhomogeneous matrix eigenvalue problem. The dispersion relation is solved in the so-called two-harmonic approximation, in which only the principal Fourier harmonic of the perturbed magnetic flux and its first overtone are included in the calculation. In the absence of RF current drive, the nonlinear behavior of a tearing mode predicted in the two-harmonic approximation does not differ substantially from that predicted in the one-harmonic approximation. On the other hand, RF current drive that is sufficiently localized in the vicinity of the O-points of the mode's magnetic island chain is capable of triggering bifurcations of the O-points (which is impossible in the one-harmonic approximation). However, the current drive is incapable of triggering bifurcations of the island X-points. This finding is significant because Bardóczi and Evans [Phys. Rev. Lett. 126, 085003 (2021)] recently observed bifurcations of magnetic island chain O-points in the presence of RF current drive in the DIII-D tokamak but did not observe bifurcations of the X-points. Finally, the changes in the topology of the magnetic island flux-surfaces induced by RF current drive are found to facilitate the stabilization of the tearing mode.