Rewards · Visa · $99 annual fee
Last verified 2026-10-26. Review issuer source
U.S. Bank H-D H.O.G. Elite Visa Signature is a $99-a-year points card from U.S. Bank. Its best everyday rates are 5x on gas stations, 2x on dining, and 2x on hotels; everything else earns 1x. There is also 5x on Harley-Davidson, a single-merchant rate. Rewards are Harley-Davidson Membership Points points that only spend inside that program, so we value them at roughly a third of a cent each.
On our reference budget of $24,600 a year it earns $136, which clears the $99 fee with $37 to spare before any credits or perks. The welcome bonus, 10,000 points after $500 in 90 days, adds to the first year's return.
Get it if you already fly or stay with Harley-Davidson Membership Points often enough to use the perks. A general travel card earns points that go more places. It charges 3% on foreign purchases, so leave it home when you travel abroad.
Earn 2X points at restaurants, fast food, and bars
Earn 5X points at gas and EV charging stations
Earn 5X points at H-D
Earn 2X points at hotels & other lodging
Get $100 at H-D - just spend $500 on your H-D Visa card in the first 90 days.
Get up to $30 annually for purchases made at dealerships.
Fix, manage, and maintain your credit score.
Get $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.
Same-day delivery from a variety of stores you love.
Get a $10 credit after your 11th consecutive monthly SiriusXM payment billed to your H.O.G. Elite Visa card.
Discover new music with presale opportunities and ticket discounts.
Travel Emergency Assistance, Auto rental collision damage waiver, and Emergency cash and card replacement.
These come from Visa, not from U.S. Bank. Every card on the Visa Signature tier carries them, so they should not decide between two cards.
Purchase qualifying stays with your eligible Visa Credit or Debit card and get up to 8% in Travel Credits to use on future flights, stays, car rentals, attractions, car rentals, taxis and more. Sign up for a free Booking.com account to get started.
Enjoy 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.
Eligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
This 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.
Enjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
Eligible 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.
When 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.
Get exciting benefits at Universal Studios Hollywood and Universal Orlando Resort when you pay with your Visa Signature® or Visa Infinite® card.
Get assistance with travel planning, entertainment tickets and more.
Enjoy special guest status at 900+ Visa Signature Luxury Hotel properties worldwide.
Book your next road trip with your Visa Signature card to receive up to 25% off base rates on qualifying rentals from Avis and Budget. Your card can also unlock complimentary upgrades (when available), waived Additional Driver Fee and 10% saving on XM Satellite radio during rental.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| H-D™ H.O.G.™ Elite Visa Signature®This card · 5x on gas stations | $99 | $136 | +$37 | 1033rd of 1,284 |
| U.S. Bank Cash+® Visa Signature®U.S. Bank's most-held other card · 5% on department stores | None | $642 | +$642 | 8th of 1,284 |
| Chase Freedom Flex® Credit CardThe strongest no-fee card on this budget · 7% on dining | None | $822 | +$822 | 1st of 1,284 |
| Robinhood Gold CardHighest net return on this budget · 3% on everything | $50 | $798 | +$748 | 2nd of 1,284 |
Reference budget: groceries $6,000, dining and restaurants $3,600, gas and ev charging $2,400, travel and transit $3,000, online shopping $2,400, entertainment and streaming $1,200, everything else $6,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
