Harley-Davidson® Visa Credit Card from U.S. Bank (2024)

^†The 0% introductory APR applies to purchases and is valid for the first 9 billing cycles. The 0% introductory APR applies to balance transfers made within 30 days of account opening and is valid for the first 9 billing cycles. The introductory rate does not apply to cash advances. Thereafter, the APR may vary. The current undiscounted variable APR for Purchases and Balance Transfers is 19.24% to 29.99%(based on your creditworthiness). The variable APR for Cash Advances is 29.99%. Cash Advance fee: 5% of each advance amount, $10 minimum. Convenience Check fee: 3% of each check amount, $5 minimum. Cash Equivalent fee: 5% of each cash amount, $10 minimum. Balance Transfer fee: 3% of each transfer amount, $5 minimum. There is a $1 minimum interest charge where interest is due. Signature: the annual fee is $0; H.O.G. Elite: the annual fee is $99. Foreign Transaction fee: 3% of each foreign purchase transaction or foreign ATM advance transaction. We apply your minimum payment to balances with lower APRs first, including promotional APRs. Amounts paid over the minimum payment will be applied in the order of highest to lowest APR balances. We may change APRs, fees, and other Account terms in the future, based on your experience with U.S. Bank National Association and its affiliates as provided under the Cardmember Agreement and applicable law.

^*Balance Transfer Information:
Balance transfer transactions from other U.S. Bank National Association accounts are not permitted. You may stop payment on a Balance Transfer Check(s) within 10 days of account opening by calling (800-699-2281). After 10 days from account opening, requests to stop payment on a Balance Transfer Check(s) issued by U.S. Bank shall not be honored unless the check(s) has been stolen, lost or destroyed.

¹ Spend $500 in eligible net purchases (net purchases are purchases minus credits and returns) within the first 90 days of account opening and 10,000 Genuine Rewards points will be credited to your account 6–8 weeks after the 90-day period. The 10,000 Genuine Rewards points can be redeemed for a $100 H‑D™ Gift Card. Your Harley‑Davidson^® Visa Account must be open and in good standing to earn and redeem rewards and benefits. The Harley‑Davidson Secured Card is not eligible for the bonus offer.

² Points are earned on eligible net purchases (net purchases are purchases minus credits and returns). Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers, and Convenience Checks. U.S. Bank cannot control how merchants choose to classify their business and reserves the right to determine which purchases qualify. Fast food merchants may not qualify for additional bonus points. Lodging to include hotels, bed and breakfast establishments, resorts, cabins, cottages, hostels, short-term property rentals less than 30 days in length, and local inns. Must be booked directly through merchant rather than booking site. Genuine Rewards points awarded but not redeemed will expire 3 years from the date the points were awarded on December 31, at 11 p.m. CST, of the expiration year. Harley‑Davidson^™ Gift Cards issued from H‑D™ Genuine Rewards point redemption do not expire. You may not redeem Points, and you will immediately lose all of your Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death). The Harley-Davidson^™ Gift Card is issued by Pathward, N.A., Member FDIC.

³ $10 credit for annual SiriusXM subscription.
An automatic statement credit of $10 per 12-month period will be applied to your Harley‑Davidson^® H.O.G. Elite Visa Signature^® card Account within 2 statement billing cycles following 11 consecutive calendar months of eligible SiriusXM subscription, if the Account is in good standing (open and able to use). We reserve the right to adjust or reverse any portion or all of any SiriusXM credit for unauthorized purchases or transaction credits.
$30 credit annually at Harley‑Davidson^® dealerships.
When your account is used for up to $30 in purchases from H‑D dealerships, we will apply to your account, on an annual basis, statement credit(s) totaling up to $30. Credit(s) apply to eligible net purchases (purchases minus credits and returns) that post to your account on a Cardmember-year basis (based on account opening date). If eligible purchase(s) is greater than $30, credit will be limited to $30 per Cardmember year. This limit applies per account, regardless of how many Card(s) were used for the account.
$59 annual H.O.G.^® Membership Credit.
When you use your Card to pay for annual H.O.G.^® Membership fees, we will apply to your account, on an annual basis, a statement credit of $59. Credit(s) apply to eligible net H.O.G. Membership fees purchases (purchases minus credits and returns) that post to your account on a Cardmember-year basis (based on account opening date). If eligible purchase is greater than $59, credit will be limited to $59 per Cardmember year. This limit applies per account, regardless of how many Card(s) were used for the account. Offer not available for existing H.O.G. Lifetime or existing H.O.G. multi-year memberships.

⁴ To earn and be awarded points for miles ridden, the Primary H-D™ Visa Signature^® or H‑D™ H.O.G.™ Elite Visa Signature^® cardmember must have an account that is open and in good standing and be an active U.S. H.O.G.^® member (“Qualifying Cardmember”). After becoming a Qualifying Cardmember, an odometer reading must be recorded at a participating H‑D^® dealership or by an alternate Harley‑Davidson^® authorized recording method. H‑D™ Visa Signature^® cardmembers earn 1 point for each mile ridden. H‑D™ H.O.G.™ Elite Visa Signature^® cardmembers earn 2 points for each mile ridden. Cardmembers can earn up to 50,000 points per calendar year and will be awarded 12 weeks following each subsequent odometer reading, unless further verification is requested for award. See official rules for details at www.H-DVisa.com/miles.

⁵ NO PURCHASE NECESSARY TO ENTER OR WIN. A purchase will not increase your chances of winning. Sweepstakes ends 12/31/2024. Open to legal residents of the 50 United States and D.C., who are 18 years of age or older. For details, including how to enter without being a Cardmember or without making a purchase, click here for Official Rules (PDF). Void where prohibited. Sponsor: Harley-Davidson Financial Services, Inc., 222 W. Adams St., Ste. 3100, Chicago, IL 60606.