Does the H-D Visa Signature have an annual fee?

No. Our record lists a $0 annual fee for the H-D Visa Signature.

What does the H-D Visa Signature earn?

3x on Harley-Davidson dealerships, h-d.com, H-D Museum, Factory Tours, H-D Insurance, 3x on Gas stations and EV charging, 2x on Restaurants, fast food, bars, hotels and other lodging, 1x on Miles ridden (H.O.G. members), and 1x on other purchases.

Is the H-D Visa Signature worth it in the first year?

Using our illustration ($12,000 of yearly spending, $3,000 of it in Gas stations and EV charging), the first year comes out around $280 before credits, including a welcome bonus valued at $100. Year two drops to about $180 before credits.

Does the H-D Visa Signature charge foreign transaction fees?

Yes, 5% on purchases processed outside the US, so keep another card for travel abroad.

What credit do I need for the H-D Visa Signature?

Our record lists "Good to Excellent" credit as the typical target for the H-D Visa Signature. U.S. Bank makes the final decision based on its own criteria.

H-D Visa Signature Credit Card

U.S. Bank

No Annual Fee

Annual Fee

visaGood → Excellentno-annual-feecobrandmotorcycle5 months ago

Welcome Offer

10,000 pts(≈ $100)Spend $500 within 3 months

OpenCard analysis

Is the H-D Visa Signature Credit Card right for you?

The H-D Visa Signature is a no-annual-fee rewards card from U.S. Bank. Its strongest everyday earning is 3x on Gas stations and EV charging, with 1x on most other purchases. With no fee, the question is simply whether 3x on Gas stations and EV charging beats what your current card earns there.

Who it's for

✓ People who spend steadily on Gas stations and EV charging, where it earns 3x
✓ Anyone who wants Gas stations and EV charging rewards without paying an annual fee

Who should skip it

— Anyone spending abroad — it charges a 5% foreign transaction fee
— Heavy spenders outside Gas stations and EV charging — everything else earns 1x

First-year value estimate

Welcome bonus

$100

Rewards on spending

$180

Annual fee (year 1)

−$0

Year 1, before credits

$280

Year two, without the welcome bonus: about $180 before credits ($180 in rewards minus the $0 fee).

Assumptions

$3,000 a year in Gas stations and EV charging (3x) and $9,000 on everything else (1x) — $12,000 total, about $1,000 a month.
Rewards valued at 1¢ per point or 1% cash back (cash-equivalent).
Welcome bonus: 10,000 H-D Rewards at 1¢ each (OpenCard valuation) ≈ $100.
No annual fee in any year.

An illustration, not a promise of value. Change the spending to match yours; rewards are not cash until redeemed. Card data reviewed 2026-05-13.

How it compares

American Express EveryDay →

American Express, same $0 annual fee; earns 2x on U.S. gas stations.

Costco Anywhere Visa Card by Citi →

Citi, same $0 annual fee; earns 4x on gas stations.

Sam's Club Mastercard →

Synchrony, same $0 annual fee; earns 5x on Gas (up to $6,000/year).

Compare side by side →

Rules and gotchas

The welcome bonus requires $500 in 3 months — roughly $167 a month. That fits inside the $1,000 a month in our illustration.
A 5% foreign transaction fee applies to purchases processed outside the US.

Frequently asked questions

Does the H-D Visa Signature have an annual fee?: No. Our record lists a $0 annual fee for the H-D Visa Signature.
What does the H-D Visa Signature earn?: 3x on Harley-Davidson dealerships, h-d.com, H-D Museum, Factory Tours, H-D Insurance, 3x on Gas stations and EV charging, 2x on Restaurants, fast food, bars, hotels and other lodging, 1x on Miles ridden (H.O.G. members), and 1x on other purchases.
Is the H-D Visa Signature worth it in the first year?: Using our illustration ($12,000 of yearly spending, $3,000 of it in Gas stations and EV charging), the first year comes out around $280 before credits, including a welcome bonus valued at $100. Year two drops to about $180 before credits.
Does the H-D Visa Signature charge foreign transaction fees?: Yes, 5% on purchases processed outside the US, so keep another card for travel abroad.
What credit do I need for the H-D Visa Signature?: Our record lists "Good to Excellent" credit as the typical target for the H-D Visa Signature. U.S. Bank makes the final decision based on its own criteria.

Earning Rates

3×Harley-Davidson dealerships, h-d.com, H-D Museum, Factory Tours, H-D Insurance

3×Gas stations and EV chargingBundled with H-D 3x tier

2×Restaurants, fast food, bars, hotels and other lodging

1×All other purchases

1×Miles ridden (H.O.G. members)1 point per mile ridden — H.O.G. member exclusive, requires mileage submission

Insurance

Sources

Last Updated: May 13, 2026