H-D™ Visa Signature®
The H-D™ Visa Signature® from U.S. Bank earns up to 3% effective value on gas in Madeen's catalog snapshot. It has no annual fee. New applicants may see: Get $100 at H-D - just spend $500 on your H-D Visa card in the first 90 days.. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Gas
- Effective value
- 3%
- Annual fee
- $0
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Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What does the H-D™ Visa Signature earn in each category?
Gas is the strongest category at 3% effective value (3x points at about 1 cents each). That gas rate ranks higher than about 67% of the 1,551 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Gas is the strongest category at 3% effective value (3x points at about 1 cents each). That gas rate ranks higher than about 67% of the 1,551 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 2x points | 2% |
| Grocery Supermarkets and grocery stores | 1x points | 1% |
| Gas Gas stations and fuel | 3x points | 3% Top category |
| Travel Flights, hotels, transit | 2x points | 2% |
| Other General everyday spend | 1x points | 1% |
Madeen values Harley-Davidson Membership Points at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the H-D™ Visa Signature reward caps and conditions?
The H-D™ Visa Signature has 3 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Earn 2X points at restaurants, fast food, and bars
- Earn 3X points at gas and EV charging stations
- Earn 2X points at hotels & other lodging
Who should get the H-D™ Visa Signature?
The H-D™ Visa Signature fits spenders who put meaningful volume in gas and can earn 3x points. Best for spenders who put meaningful volume in gas and can earn 3x points. The welcome bonus can help if you can meet the spend requirement.
H-D™ Visa Signature fits spenders who put meaningful volume in gas and can earn 3x points. Madeen ranks its gas effective rate higher than about 67% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in gas and can earn 3x points. The welcome bonus can help if you can meet the spend requirement.
Foreign transaction fees make it weaker for international spend.
Best for gas-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Pros
- Strongest Madeen category is gas at about 3% effective (3x points).
- No annual fee in our catalog snapshot.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- Charges $3 foreign transaction fees.
- Multiple caps, activations, or exclusions may limit headline earn rates.
- Harley-Davidson Membership Points value depends on how you redeem, not straight cash back.
Does the H-D™ Visa Signature have an annual fee, and what's the welcome bonus?
The H-D™ Visa Signature has an annual fee of $0 and a foreign transaction fee of $3. New applicants may see: Get $100 at H-D - just spend $500 on your H-D Visa card in the first 90 days.. Confirm current issuer terms before applying.
- Annual fee
- $0
- Foreign transaction fee
- $3
- Signup bonus
- Get $100 at H-D - just spend $500 on your H-D Visa card in the first 90 days.
What benefits come with the H-D™ Visa Signature?
The H-D™ Visa Signature includes Booking.com, Dovly, Dovly Uplift™ in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Booking.comIncluded with Visa Signature®
Purchase qualifying stays with your eligible Visa Credit or Debit card and get up to 8% in Travel Credits to use on future flights, stays, car rentals, attractions, car rentals, taxis and more.
- Dovly
Fix, manage, and maintain your credit score
- Dovly Uplift™Included with Visa Signature®
Get free access to Dovly Uplift. Dovly helps you raise your credit score and get more for your money. While Dovly's platform is designed to remove inaccuracies from your credit report, every case is different, and not everyone will achieve the same results.
- Global Entry Statement CreditIncluded with Visa Signature®
Apply for Global Entry, a U.S. Customs and Border Protection program and use your Visa Signature card to pay the application fee (currently $120) to receive a $120 statement credit.
- Golf Benefits from Troon Rewards®Included with Visa Signature®
Enjoy automatic Silver Status when you sign up for Troon Rewards®, for 10% savings on golf fees, merchandise and lessons at over 150 golf courses across the United States and the world.
- OpenTableIncluded with Visa Signature®
Eligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
- Priority Pass airport lounge accessIncluded with Visa Signature®
Enjoy access to over 1,700 airport lounges and experiences around the globe.
- Roadside Dispatch®Included with Visa Signature®
This is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Common questions about the H-D™ Visa Signature
Does the H-D™ Visa Signature have an annual fee?
The H-D™ Visa Signature carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What category earns the most with the H-D™ Visa Signature?
Gas is the strongest Madeen category for the H-D™ Visa Signature at about 3% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Does the H-D™ Visa Signature charge foreign transaction fees?
The H-D™ Visa Signature charges a foreign transaction fee of $3 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What is the H-D™ Visa Signature welcome bonus?
The H-D™ Visa Signature welcome offer in our snapshot: Get $100 at H-D - just spend $500 on your H-D Visa card in the first 90 days.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
What credit score do you need for the H-D™ Visa Signature?
Madeen's catalog lists a typical credit range of Good to Excellent for the H-D™ Visa Signature. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How do you redeem rewards on the H-D™ Visa Signature?
Rewards on the H-D™ Visa Signature post as Harley-Davidson Membership Points. Redemption value depends on how you use Harley-Davidson Membership Points (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How does the H-D™ Visa Signature compare to similar cards?
Compare the H-D™ Visa Signature against H-D™ H.O.G.™ Elite Visa Signature (5% on Gas, $99 fee); U.S. Bank Altitude Connect Visa Signature (4% on Gas, $0 fee); U.S. Bank Business Altitude™ Connect Visa Signature (4% on Gas, $95 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
H-D™ Visa Signature This card | Gas | 3% | $0 |
U.S. Bank | Gas | 5% | $99 |
| Gas | 4% | $0 | |
| Gas | 4% | $95 | |
U.S. Bank | Gas | 3% | $0 |
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