H-D™ H.O.G.™ Elite Visa Signature®
- Annual Fee
- $99
- points · Welcome Bonus
- 10,000
- Top Rate
- 5X
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $99
- Foreign Transaction Fee
- 5%
- Network
- Visa Signature
- Rewards Currency
- Harley-Davidson Membership Points
- Credit Required
- Excellent
Welcome Offer
10,000
points
$500
Spend Required
3 months
Time Period
Earning Rates
- 5X
Gas Stations
Earn 5X points at gas stations
- 5X
Harley Davidson
Earn 5X points at H-D
- 2X
Dining
Earn 2X points at restaurants, fast food, and bars
- 2X
Hotels
Earn 2X points at hotels & other lodging; must be booked directly through the merchant rather than a booking site
- 1X
All Other
1X point per $1 on all other eligible purchases
Benefits & Perks
Annual Credits & Statement Credits
3 creditsUp to
$99
in recurring credits (annual)
$59 H.O.G. membership
Get $59 annually for your H.O.G. membership when you pay with your card. Lifetime H.O.G members get 5% back instead, up to $59.
$59
Annual
$30 dealership credit
Get up to $30 annually for purchases made at dealerships.
$30
Annual
$10/yr SiriusXM
Get a $10 credit after your 11th consecutive monthly SiriusXM payment billed to your H.O.G. Elite Visa card.
$10
Annual
Insurance & Protections
1 protectionsTravel Benefits
Travel Emergency Assistance, Auto rental collision damage waiver, and Emergency cash and card replacement
Dining Out
2x at restaurants
Harley-Davidson Membership Points
200 points on a $100 dinner. We don't put a dollar value on this currency yet.
Annual fee: $99
Explore 5,512 New York restaurants with this cardStack a dining program
Rakuten Dining
5% back at 20,618 participating restaurants, on top of this card's 2x, once you join and link this card.
+$5
cash back, or ≈$5.50 as points
More on a $100 dinner
Reviews & Analysis
The Math: Is $99 Worth It?
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$59.40
Annual Fee
-$99
Net Annual Value
-$39.60
Details & Terms
Payment Terms
| Purchase APR | 17.74%–30.74% (Variable) |
| Cash Advance APR | 30.74% (Variable) |
| Foreign Transaction Fee | 5% |
Media & Resources
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| RewardsCC API | — | RewardsCC API |
| Issuer Page | Issuer Page: Earn rates | |
| Issuer Page | Issuer Page: Multiple card facts | |
| Issuer Page | Issuer Page: Multiple card facts | |
| U.S. Bank Official | U.S. Bank Official |
Top brands for this card
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
