- Sign-Up Bonus
- 4
- Spending Multipliers
- 3.5
- Credits & Features
- 3
- Fees
- 4
- Application
- 5
- Issuer
- NaN
Summary
- Sign-Up Bonus
- 4
- Spending Multipliers
- 3.5
- Credits & Features
- 3
- Fees
- 4
- Application
- 5
- Issuer
- NaN
The US Bank H.O.G. Elite Visa Card is a premium rewards card tailored for Harley‑Davidson riders and hardcore H.O.G. members who want enhanced perks tied directly to their riding lifestyle. With 2 points earned per mile ridden and valuable annual credits—including a $59 H.O.G. membership, a $30 Harley‑Davidson dealership credit, and a $10 SiriusXM credit—this card delivers niche benefits that help offset its annual fee (not waived in the first year). Riders also enjoy opportunities to win a $500 Harley‑Davidson credit, access special events via OpenTable, and Roadside Dispatch, all of which enhance the overall ownership experience. However, the card’s value is best realized by devoted Harley enthusiasts, as rewards can only be redeemed at Harley‑Davidson, and the 3% foreign transaction fee and niche credits may not fully offset the annual cost for casual riders. Overall, the US Bank H.O.G. Elite Visa Card benefits passionate Harley riders who plan to leverage the exclusive perks and ride‑centric rewards year after year.
Pros
Cons
Issuer
Spending Multipliers
Credits & Features
Application
- Consider having at least a credit history for 2 years
Fees
- $99 Annual Fee
- 3% Foreign Transaction Fee
- Up to $41 late fee
- Up to $41 return payment fee
- 17.49% - 30.49% Variable APR
- 30.49% APR for Cash Advance
- $10 or 5% of each cash advance amount (whichever is greater)
- 17.49% - 30.49% APR for Balance Transfer
- $5 or 5% of each transfer amount (whichever is greater)