When you spend $500 anywhere Visa is accepted within the first 90 days of getting your H‑D Visa Card, you'll also earn a $100 H‑D™ gift card for yourself.***
PEACE OF MIND
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Zero fraud liability†
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Roadside dispatch
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Lost/Stolen card reporting
VISA® BENEFITS
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Booking.com: Earn Travel Credits on stays, spend them on adventure
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OpenTable: Enjoy special events access to the hottest dining events on OpenTable
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Sofar: Discover new music with presale opportunities and ticket discounts
TRAVEL BENEFITS
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Travel Emergency Assistance
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Auto rental collision damage waiver
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Emergency cash and card replacement
EXCLUSIVE INVITES & ACCESS
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Cardmember-only events
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Opportunities to bid on VIP experiences and one‑of‑a‑kind merchandise
When you use your H-D Visa Card, you’re not just getting points, you’re stacking up more chances to win. We’re giving away a $500 H‑D Gift Card every single day in 2026. Plus, as a H.O.G.® member, you get 2X entries with every swipe.****
*Offer expires 3/31/2026. 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 and as of 2/1/2026, the undiscounted variable APR for Purchases and Balance Transfers is 17.49% - 30.49% (based on your creditworthiness). The variable APR for Cash Advances is 30.49%. 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: 5% of each transfer amount, $5 minimum. There is a
$1 minimum interest charge where interest is due. The annual fee is $99 (H.O.G.™ Elite) or $0 (Signature). 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.
**Points are earned on eligible net purchases (net purchases are purchases minus credits and returns). Not all transactions are considered to be Purchases and eligible to earn rewards, such as transactions posting as Convenience Checks; Balance Transfers; Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets); interest charges and fees; credit insurance premiums; and transactions to (i) fund certain prepaid card products, (ii) buy currency from the U.S. Mint, or (iii) buy cash convertible items. U.S. Bank cannot control how merchants choose to classify their business and reserves the right to determine which purchases qualify. 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.
***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.
†U.S. Bank provides zero fraud liability for unauthorized transactions. Cardmember must notify U.S. Bank promptly of any unauthorized use. Certain conditions and limitations apply.
†† 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.
The Harley‑Davidson Gift Card can be used online at H‑D.com and at authorized, participating U.S. Harley‑Davidson locations or at the Harley‑Davidson Museum. Use of this card constitutes acceptance of the terms and conditions stated in the Cardholder Agreement. The Harley-Davidson Gift Card is issued by Pathward®, N.A., member FDIC. The H-D Visa Card is not a Pathward product or service.
****NO PURCHASE NECESSARY. Open to residents of the 50 United States and DC who are at least 18 years of age. Sweepstakes begins 1/1/26 and ends on 12/31/26. See Official Rules for entry details. The Harley-Davidson™ Gift Card is issued by Pathward®, N.A., Member FDIC. The H-D Visa Card is not a Pathward product or service.
The creditor and issuer of the Harley‑Davidson Visa card is U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc.
