The Harley-Davidson® Visa Signature® Card is U.S. Bank's co-branded card for the Harley rider community. Issued through U.S. Bank and earning H-D Genuine Rewards points, it rewards spending at Harley dealerships, gas stations, restaurants, and lodging — the four categories where riders naturally spend most. With no annual fee, a solid welcome bonus, and 0% APR for 9 billing cycles, it's a decent card for devoted H-D fans who want to earn toward gear and accessories.
Earning Structure
| Category | Points Rate | Effective Return |
|---|---|---|
| H-D Dealerships, h-d.com, H-D Museum, Factory Tours | 3x points | 3% back in H-D rewards |
| Gas Stations + EV Charging | 3x points | 3% back in H-D rewards |
| Restaurants + Dining + Bars | 2x points | 2% back in H-D rewards |
| Hotels + Lodging | 2x points | 2% back in H-D rewards |
| All Other Purchases | 1x points | 1% back in H-D rewards |
| Welcome Bonus | 10,000 pts | $100 H-D gift card after $500/90 days |
Every 2,500 points = a $25 H-D gift card, making points worth exactly 1 cent each. Points can be redeemed as H-D gift cards for gear and accessories, as statement credits against H-D purchases through Real-Time Rewards, or combined with H.O.G. membership points to redeem faster.
The Sweepstakes — Win a Motorcycle
Every purchase with the card earns one entry into the H-D Visa Sweepstakes — a chance to win a Harley-Davidson motorcycle. H.O.G. members earn two entries per purchase. There is also a $500 H-D Gift Card drawing for daily winners. This is an unusual but appealing perk for enthusiasts and adds excitement to every transaction beyond the points themselves. Participation is automatic — no registration required.
H.O.G. Integration
The card integrates with the Harley Owners Group (H.O.G.) loyalty program in two ways: H.O.G. members earn double sweepstakes entries per purchase, and you can combine H-D Visa points with H.O.G. membership points for faster redemption toward bigger rewards. The premium H.O.G. Elite Visa Signature version ($99/yr) adds a $59 annual H.O.G. membership credit and a $10 SiriusXM credit, along with points for miles ridden.
5% Foreign Transaction Fee — Extremely High
The Harley-Davidson Visa charges a 5% foreign transaction fee — well above the already-high industry standard of 3%. This card should never be used outside the U.S. If you're taking your Harley on an international road trip (or any international travel), leave this card at home. The Discover it or a no-fee travel card is a much better companion abroad.
0% APR for 9 Billing Cycles — Useful for Big Gear Purchases
The card offers 0% introductory APR on both purchases and balance transfers for the first 9 billing cycles. For riders planning a large gear purchase (helmet, jacket, boots, or accessories), this is a practical financing window at zero cost — especially useful when buying through H-D dealerships where the 3x earning rate also applies.
Is This Card Worth It?
The Harley-Davidson Visa makes sense for one specific type of person: a dedicated H-D rider who shops regularly at dealerships and always pays in full. The 3% back in H-D rewards on dealership purchases is genuinely strong for a no-fee branded card. The welcome bonus ($100 value after $500 spend), sweepstakes entries, and H.O.G. integration add lifestyle value that general cash back cards don't offer.
For everyone else — including H-D fans who buy gear occasionally — a flat 2% cash back card (like the Wells Fargo Active Cash) earns more usable value on the same spending, without locking rewards into a single retailer.
Pros & Cons
What We Like
- 3x at H-D dealerships and gas stations — strong for dedicated riders
- 0% APR for 9 billing cycles — useful for large gear purchases
- Sweepstakes entries — chance to win a motorcycle with every purchase
- $100 welcome bonus after just $500 spend
- No annual fee
- Integrates with H.O.G. points for faster redemption
What to Watch Out For
- 5% foreign transaction fee — avoid internationally
- Rewards only redeemable at Harley-Davidson — zero flexibility
- Points expire December 31 of the third year after earning
- 17.49–30.49% APR after intro period
- Non-H-D spending earns just 1% — weak for everyday use
Harley-Davidson® Visa Signature® Card
3x at H-D + gas · $100 welcome bonus · 0% APR 9 billing cycles · No annual fee
Apply Now →Bottom Line
If you bleed orange and black and regularly buy gear, parts, or services at Harley dealerships, this card earns its place in your wallet. The 3% back in H-D rewards, sweepstakes entries, and 0% intro APR are legitimate value for devoted riders. Just never carry a balance, never use it internationally, and use a separate general card for non-H-D spending. For casual Harley fans, a flexible 2% cash back card will put more money in your pocket.