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: H-D™ H.O.G.™ Elite Visa Signature® $99/yr, U.S. Bank Smartly Visa Signature Card $0/yr. Strongest bonus categories: H-D™ H.O.G.™ Elite Visa Signature® on gas stations, U.S. Bank Smartly Visa Signature Card on everyday spending.
Card data as of September 27, 2026.
Annual Fee
Welcome Bonus
| Category | H-D™ H.O.G.™ Elite Visa Signature® | U.S. Bank Smartly Visa Signature Card |
|---|---|---|
| Gas Stations | 5X | 1X |
| Dining |
The H-D™ H.O.G.™ Elite Visa Signature® wins in 3 of 3 categories. The U.S. Bank Smartly Visa Signature Card leads in 0.
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.
The better card depends on how much you spend.
| Scenario | H-D™ H.O.G.™ Elite Visa Signature® | U.S. Bank Smartly Visa Signature Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $186 Credits (our usable estimate): $125 − Annual fee ($99) Ongoing: $212 Year one: $212 | Rewards: $120 Credits (our usable estimate): $0 − Annual fee ($0) |
The better card depends on how much you spend.
Published annual fees: H-D™ H.O.G.™ Elite Visa Signature® $99/yr, U.S. Bank Smartly Visa Signature Card $0/yr — a $99 difference before welcome offers and credits.
| 2X |
| 1X |
| Hotels | 2X | 1X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
| H-D™ H.O.G.™ Elite Visa Signature® |
| U.S. Bank Smartly Visa Signature Card |
| Heavy spender: $4,000/month | Rewards: $744 Credits (our usable estimate): $125 − Annual fee ($99) Ongoing: $770 Year one: $770 | Rewards: $480 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $480 Year one: $680 | 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 U.S. Bank Smartly Visa Signature Card (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.
