Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
Annual fees: Edward Jones® Everyday Solutions Triple Rewards World Elite Mastercard® $0/yr, H-D™ H.O.G.™ Elite Visa Signature® $99/yr. Strongest bonus categories: Edward Jones® Everyday Solutions Triple Rewards World Elite Mastercard® on top spend category, H-D™ H.O.G.™ Elite Visa Signature® on gas stations.
Card data as of September 27, 2026.
U.S. Bank
U.S. Bank
Annual Fee
Welcome Bonus
| Category | Edward Jones® Everyday Solutions Triple Rewards World Elite Mastercard® | H-D™ H.O.G.™ Elite Visa Signature® |
|---|---|---|
| Gas Stations | 1X | 5X |
| Top Spend Category |
The H-D™ H.O.G.™ Elite Visa Signature® wins in 3 of 3 categories. The Edward Jones® Everyday Solutions Triple Rewards World Elite Mastercard® leads in 0. 1 more category depend on booking channel or caps.
Top Spend Category
Depends: Automatically applied to the top three categories of spend each month; no enrollment needed
Edward Jones® Everyday Solutions Triple Rewards World Elite Mastercard® earns 3X when conditions are met; H-D™ H.O.G.™ Elite Visa Signature® earns 1X (1X without restrictions)
Dining
H-D™ H.O.G.™ Elite Visa Signature® earns 2X vs 1X
Gas Stations
H-D™ H.O.G.™ Elite Visa Signature® earns 5X vs 1X
Hotels
H-D™ H.O.G.™ Elite Visa Signature® earns 2X vs 1X
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
Modeled value is close across spend levels — especially once statement credits are counted.
| Scenario | Edward Jones® Everyday Solutions Triple Rewards World Elite Mastercard® | H-D™ H.O.G.™ Elite Visa Signature® | Ongoing winner | Year-one winner |
|---|
Modeled value is close across spend levels — especially once statement credits are counted.
Published annual fees: Edward Jones® Everyday Solutions Triple Rewards World Elite Mastercard® $0/yr, H-D™ H.O.G.™ Elite Visa Signature® $99/yr — a $99 difference before welcome offers and credits.
| 3X |
| 1X |
| Dining | 1X | 2X |
| Hotels | 1X | 2X |
| Everything Else | 1X | 1X |
Network
Key Benefits
| Light spender: $1,000/month | Rewards: $120 Credits (our usable estimate): $65 − Annual fee ($0) Ongoing: $185 Year one: $185 | Rewards: $186 Credits (our usable estimate): $125 − Annual fee ($99) Ongoing: $212 Year one: $212 | Close — depends on how much of the credits you use | Close — depends on how much of the credits you use |
| Heavy spender: $4,000/month | Rewards: $480 Credits (our usable estimate): $65 − Annual fee ($0) Ongoing: $545 Year one: $545 | Rewards: $744 Credits (our usable estimate): $125 − Annual fee ($99) Ongoing: $770 Year one: $770 | H-D™ H.O.G.™ Elite Visa Signature® | H-D™ H.O.G.™ Elite Visa Signature® |
The H-D™ H.O.G.™ Elite Visa Signature® costs $99/yr — that's $99 more than the Edward Jones® Everyday Solutions Triple Rewards World Elite Mastercard® (no annual fee). To justify that gap, you need to extract at least $99 in annual value from the card's higher earn rates and benefits.
Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $99 fee gap means the H-D™ H.O.G.™ Elite Visa Signature® needs roughly $99 more in annual rewards (or credits you will use) to break even on gas stations and dining and everyday spend.
Get the H-D™ H.O.G.™ Elite Visa Signature® if you:
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
