H-D™ H.O.G.™ Elite Visa Signature®
U.S. Bank and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of U.S. Bank. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The H-D™ H.O.G.™ Elite Visa Signature® from U.S. Bank earns up to 5% effective value on gas in Madeen's catalog snapshot. Its annual fee is $99. New applicants may see: Get $100 at H-D - just spend $500 on your H-D Visa card in the first 90 days..
- Top category
- Gas
- Effective value
- 5%
- Annual fee
- $99
Best for gas-heavy spend when the $99 fee fits your usage; confirm issuer terms before applying. Best for spenders who put meaningful volume in gas and can earn 5x points. The welcome bonus can help if you can meet the spend requirement.
What does the H-D™ H.O.G.™ Elite Visa Signature earn in each category?
Gas is the strongest category at 5% effective value (5x points at about 1 cents each). That gas rate ranks higher than about 99% of the 2,854 cards we track in that category. The five-category effective-rate table on this page shows how H-D™ H.O.G.™ Elite Visa Signature compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight.
Gas is the strongest category at 5% effective value (5x points at about 1 cents each). That gas rate ranks higher than about 99% of the 2,854 cards we track in that category. The five-category effective-rate table on this page shows how H-D™ H.O.G.™ Elite Visa Signature compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 2x points | 2% |
| Grocery Supermarkets and grocery stores | 1x points | 1% |
| Gas Gas stations and fuel | 5x points | 5% Top category |
| Travel Flights, hotels, transit | 2x points | 2% |
| Other General everyday spend | 1x points | 1% |
Madeen values Harley-Davidson Membership Points at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the H-D™ H.O.G.™ Elite Visa Signature reward caps and conditions?
The H-D™ H.O.G.™ Elite Visa Signature has 3 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates.
- Earn 2X points at restaurants, fast food, and bars
- Earn 5X points at gas and EV charging stations
- Earn 2X points at hotels & other lodging
Who should get the H-D™ H.O.G.™ Elite Visa Signature?
The H-D™ H.O.G.™ Elite Visa Signature fits spenders who put meaningful volume in gas and can earn 5x points. Best for spenders who put meaningful volume in gas and can earn 5x points. The welcome bonus can help if you can meet the spend requirement.
H-D™ H.O.G.™ Elite Visa Signature fits spenders who put meaningful volume in gas and can earn 5x points. Madeen ranks its gas effective rate higher than about 99% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in gas and can earn 5x points. The welcome bonus can help if you can meet the spend requirement.
Foreign transaction fees make it weaker for international spend.
Best for gas-heavy spend when the $99 fee fits your usage; confirm issuer terms before applying.
Pros
- Strongest Madeen category is gas at about 5% effective (5x points).
- That gas rate ranks higher than about 99% of cards we track in the category.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- $99 annual fee requires enough spend in bonus categories to offset.
- Charges $3 foreign transaction fees.
- Multiple caps, activations, or exclusions may limit headline earn rates.
- Harley-Davidson Membership Points value depends on how you redeem, not straight cash back.
What is the H-D™ H.O.G.™ Elite Visa Signature welcome bonus?
In Madeen's catalog snapshot, the H-D™ H.O.G.™ Elite Visa Signature welcome offer is Get $100 at H-D - just spend $500 on your H-D Visa card in the first 90 days.. Minimum spend, eligibility, and offer windows are set by the issuer and can change — confirm on the issuer application page before applying.
- Offer
- 10k Harley-Davidson Membership Points (~$100 estimated)
- Terms (catalog snapshot)
- Get $100 at H-D - just spend $500 on your H-D Visa card in the first 90 days.
- Minimum spend
- $500
- Window
- 90Days
Does the H-D™ H.O.G.™ Elite Visa Signature have an annual fee?
The H-D™ H.O.G.™ Elite Visa Signature has an annual fee of $99 and a foreign transaction fee of $3. Confirm current fees on the issuer page before applying.
- Annual fee
- $99
- Foreign transaction fee
- $3
What benefits come with the H-D™ H.O.G.™ Elite Visa Signature?
The H-D™ H.O.G.™ Elite Visa Signature includes Booking.com, Dealership Credit, Dovly in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Roadside Dispatch®
$1,000/yrThis is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Sofar Sounds
$240/yrEnjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
Visa Signature Concierge
$150/yrGet assistance with travel planning, entertainment tickets and more.
SiriusXM Membership Credit
$120/yrGet a $10 credit after your 11th consecutive monthly SiriusXM payment billed to your H.O.G. Elite Visa card.
Global Entry Statement Credit
$120/yrApply for Global Entry, a U.S. Customs and Border Protection program and use your Visa Signature card to pay the application fee (currently $120) to receive a $120 statement credit.
OpenTable
$120/yrEligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
Priority Pass airport lounge access
$99/yrEnjoy access to over 1,700 airport lounges and experiences around the globe.
H.O.G. Membership Credit
$59/yrGet $59 annually for your H.O.G. membership when you pay with your card. Lifetime H.O.G members: there's an exclusive bonus just for you.
Dealership Credit
$30/yrGet up to $30 annually for purchases made at dealerships.
Golf Benefits from Troon Rewards®
$10/yrEnjoy automatic Silver Status when you sign up for Troon Rewards®, for 10% savings on golf fees, merchandise and lessons at over 150 golf courses across the United States and the world.
Stay connected in over 175 countries
$10/yrEligible Visa cardholders can now use the GigSky app to access complimentary or discounted global mobile data, in 175+ countries and destinations worldwide as well as on over 200 of the world’s top cruise ships.
Travel and Emergency Assistance Services
$10/yrWhen you are traveling or working anywhere in the world, your covered Visa card gets you access to a multilingual call center 24 hours a day, 365 days a year to help get the assistance you need. As a covered cardholder, you, your spouse and dependent children under 22 years of age who are traveling with can call a dedicated toll-free number in the United States, or call collect when traveling abroad.
Related encyclopedia topics
- Visa
- Shopping and dining network perks
- Credit score monitoring
- Global Entry / TSA PreCheck credit
- Golf Benefits from Troon Rewards
- Dining credit
- Priority Pass lounge access
- Roadside Dispatch
- Shipt
- Streaming or digital credit
- Stay connected in over 175 countries
- Travel and Emergency Assistance Services
Common questions about the H-D™ H.O.G.™ Elite Visa Signature
Where do cardholders spend most with the H-D™ H.O.G.™ Elite Visa Signature?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on gas (5x), coffee (2x), fast food (2x) for the H-D™ H.O.G.™ Elite Visa Signature. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Does the H-D™ H.O.G.™ Elite Visa Signature have an annual fee?
The H-D™ H.O.G.™ Elite Visa Signature carries an annual fee of $99 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the H-D™ H.O.G.™ Elite Visa Signature?
Gas is the strongest Madeen category for the H-D™ H.O.G.™ Elite Visa Signature at about 5% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the H-D™ H.O.G.™ Elite Visa Signature charge foreign transaction fees?
The H-D™ H.O.G.™ Elite Visa Signature charges a foreign transaction fee of $3 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change.
What is the H-D™ H.O.G.™ Elite Visa Signature welcome bonus?
The H-D™ H.O.G.™ Elite Visa Signature welcome offer in our snapshot: Get $100 at H-D - just spend $500 on your H-D Visa card in the first 90 days.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
Is the H-D™ H.O.G.™ Elite Visa Signature annual fee worth it?
Whether the $99 annual fee pays off depends on how much you spend in gas and whether you use the card's benefits. Compare effective rates across the cards you already carry in Madeen.
How does the H-D™ H.O.G.™ Elite Visa Signature compare to similar cards?
Compare the H-D™ H.O.G.™ Elite Visa Signature against U.S. Bank Altitude Connect Visa Signature (4% on Gas, $0 fee); U.S. Bank Business Altitude™ Connect Visa Signature (4% on Gas, $95 fee); H-D™ Visa Signature (3% on Gas, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
H-D™ H.O.G.™ Elite Visa Signature This card | Gas | 5% | $99 |
| Gas | 4% | $0 | |
| Gas | 4% | $95 | |
U.S. Bank | Gas | 3% | $0 |
U.S. Bank | Gas | 3% | $0 |
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U.S. Bank and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of U.S. Bank. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure