THE CARDTUNED DATABASE
Harley-Davidson H.O.G. Elite Visa Signature Card
Issuer: U.S. Bank · Network: Visa
5X points at H-D and gas stations; 2X at restaurants, bars, hotels and other lodging; 1X other eligible purchases; 2 points per mile for eligible H.O.G. members
- Annual fee
- $99
- Foreign transaction fee
- 5%
- Intro APR
- 0% introductory APR on purchases and balance transfers for 9 billing cycles; transfers must be made within 30 days
- Regular APR
- 17.74%–30.74% variable purchase and balance-transfer APR after the introductory period
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Current offer
$100 H-D Gift Card value (10,000 points) after $500 in eligible purchases within 90 days
- Spending requirement
- $500 in eligible purchases
- Time window
- Within 90 days
Offer last checked: 2026-09-07
Earning rates
Scroll the table horizontally on smaller screens.
| Category | Rate | Eligible purchases and conditions |
|---|---|---|
| Gas | 5X | points at H-D and gas stations |
| Dining & Hotels | 2X | at restaurants, bars, hotels and other lodging |
| Other purchases | 1X | other eligible purchases |
| Eligible purchases | 2 points | per mile for eligible H.O.G. members |
Additional benefits
• $100 H-D Gift Card value after $500 in eligible purchases within 90 days
• Up to $99 in annual H.O.G., dealership and SiriusXM statement credits
Restrictions to know
The $99 annual fee applies. The bonus requires $500 in eligible net purchases within 90 days; 10,000 points post after the qualifying period. Mileage rewards require active H.O.G. membership and qualifying odometer readings and are capped at 50,000 points per calendar year. Annual credits require eligible purchases and account good standing. Balance transfers must be made within 30 days and carry the applicable transfer fee.
Who can apply
U.S. applicant; subject to U.S. Bank credit approval and identity verification. Active H.O.G. membership is required for H.O.G.-specific mileage rewards and credits.
Credit profile: Issuer underwriting applies; no universal public score cutoff