H-D™ H.O.G.™ Elite Visa Signature® Card
A $99-a-year cash back card from U.S. Bank.
Rates, fees, and full terms are set by U.S. Bank and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.
Our review
The H.O.G. Elite Visa Signature Card is the premium Harley-Davidson card. It earns 5 points per dollar at Harley-Davidson and gas stations, 2 points at restaurants and hotels, and 1 point everywhere else, and its $99 fee comes with $99 in annual credits.
The credits are a $59 H.O.G. membership credit, a $30 dealership credit, and a $10 SiriusXM credit. If you already renew H.O.G. and visit a dealer, the card is effectively free and earns 5x on gas. If you do not, the fee is real money for points that only work at H-D.
Think twice if: you would not use the H.O.G., dealership, and SiriusXM credits, since the fee is only offset if you do.
Our 4.4 out of 10 rating
Each score weighs the rewards rate, value after the annual fee, welcome offer, points flexibility, and perks, with every point valued at a flat 1 cent. This is our editorial assessment to help you compare cards, not a guarantee of approval or of the value you will get.
Earning rates at a glance
Rewards: how it earns
You earn 5 points per dollar at Harley-Davidson and gas stations, 2 points at restaurants, bars, hotels, and other lodging, and 1 point everywhere else. H.O.G. members earn 2 points per mile ridden. Points are worth 1 cent each toward Harley-Davidson purchases only (2,500 points for $25). Five points per dollar on gas is the standout for riders who log a lot of miles.
| Category | Rate | Notes |
|---|---|---|
| Gas | 5x | Bonus category |
| Dining and restaurants | 2x | Bonus category |
| Hotels | 2x | Bonus category |
| Groceries | 1x | Base rate |
| Travel | 1x | Base rate |
| Streaming | 1x | Base rate |
| Everything else | 1x | Everything else |
The fine print on rates: Points are worth 1 cent each but only toward Harley-Davidson purchases (2,500 points for $25). The $99 in annual credits offsets the fee only if you renew H.O.G. membership and shop at an H-D dealer.
Every point and mile above is valued at a flat 1 cent, the same honest standard we use for every card. Run your own spending through the calculator to see what this card would actually return for you.
Best ways to earn & redeem
Put your gas, dining, and hotels spending on this card to earn at its highest rates, and let a different card handle the categories it does not bonus. Its gas rate is among the stronger ones you will find in that category.
When you cash in, take the rewards as cash back or a statement credit, worth a flat 1 cent each. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.
Pros and cons
- 5x at Harley-Davidson and gas stations
- $99 in annual credits offsets the fee
- 2 points per mile ridden for H.O.G. members
- $100 at H-D welcome offer
- $99 annual fee
- Points only redeem at Harley-Davidson
- Credits only help existing H.O.G. members
The welcome bonus
New cardholders get $100 at H-D after spending $500 in the first 90 days.
Is it worth the annual fee?
The $99 annual fee is matched by $99 in annual credits: $59 toward H.O.G. membership, $30 at an H-D dealership, and $10 toward SiriusXM. If you would pay for those anyway, the card costs you nothing.
First-year value vs ongoing value
| Welcome bonus | $100 at H-D |
| To earn it | $500 in the first 90 days |
| Est. first-year value* | $508 |
| Est. ongoing value / yr* | $408 |
The welcome bonus makes year one the high point: roughly $508 in value once you count the bonus, this card’s rewards, and its credits, minus the $99 fee. After that, the honest figure is about $408 a year, so judge whether it earns its keep on the ongoing number, not the first-year headline.
*First-year value counts the welcome bonus, estimated rewards, and annual credits, minus the annual fee; ongoing value is a typical year after. Every point at a flat 1 cent, on average spending.
Benefits and protections
Beyond the rewards, the perks and protections worth knowing about include:
- 5 points per $1 at Harley-Davidson and at gas stations
- 2 points per $1 at restaurants, bars, hotels, and other lodging
- 1 point per $1 everywhere else
- $99 in annual credits covering H.O.G. membership, dealership purchases, and SiriusXM
- H.O.G. members earn 2 points per mile ridden
- $99 annual fee
Statement credits
- $59 annual H.O.G. membership credit
- $30 annual Harley-Davidson dealership credit
- $10 annual SiriusXM subscription credit
Who should get it, and who should skip it
Get the H.O.G. Elite Visa if you are a H.O.G. member who renews each year and rides enough to make 5x on gas count.
If you would not use the credits, the no-fee H-D Visa Signature is the safer pick.
Alternatives to the H-D™ H.O.G.™ Elite Visa Signature® Card
Pairs well with
The H-D™ H.O.G.™ Elite Visa Signature® Card earns the most in its bonus categories, so pair it with a no-fee flat-rate card to cover everything it only earns a base rate on.
Frequently asked questions
Best-card guides featuring this card
How does it rank for your spending?
Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the H-D™ H.O.G.™ Elite Visa Signature® Card lands.
Calculate My CardOffer details verified against issuer sources as of October 2026. Editorial opinions are our own. Cardocrat values all points at a flat 1 cent and never inflates redemptions.
