Card comparison
Which card is better between SKYPASS Visa Signature and H-D™ H.O.G.™ Elite Visa Signature?
SKYPASS Visa Signature is the better overall pick over H-D™ H.O.G.™ Elite Visa Signature because it leads on Madeen's weighted scorecard (63 vs 38) across categories, bonus, benefits, and fee.
Effective rate H-D™ H.O.G.™ Elite Visa Signature
Annual fee Tie
Welcome bonus SKYPASS Visa Signature
Benefits value SKYPASS Visa Signature
SKYPASS Visa Signature is the stronger overall pick between SKYPASS Visa Signature and H-D™ H.O.G.™ Elite Visa Signature because it leads on Madeen's weighted scorecard (63 vs 38) across categories, bonus, benefits, and fee. SKYPASS Visa Signature (3.2% top effective rate) vs H-D™ H.O.G.™ Elite Visa Signature (5%): Madeen's catalog compares fees vs fees across dining, grocery, gas, and travel — not just headline categories.
Choose A if
Choose SKYPASS Visa Signature when its strongest categories, bonus, or perks match how you actually spend.
Choose B if
Choose H-D™ H.O.G.™ Elite Visa Signature when the fee, welcome bonus, or issuer ecosystem fits better than the headline winner.
Full comparison
How do SKYPASS Visa Signature and H-D™ H.O.G.™ Elite Visa Signature compare across all spend categories?
Across all five spend categories, SKYPASS Visa Signature and H-D™ H.O.G.™ Elite Visa Signature trade wins row by row. SKYPASS Visa Signature peaks at 3.2% effective; H-D™ H.O.G.™ Elite Visa Signature peaks at 5%. H-D™ H.O.G.™ Elite Visa Signature wins the headline effective-rate view in this pair.
| Category / metric | SKYPASS Visa Signature | H-D™ H.O.G.™ Elite Visa Signature | Winner |
|---|---|---|---|
| Dining | 2x miles (3.2%) | 2x points (2%) | SKYPASS Visa Signature · 1.2 pts |
| Grocery | 1x miles (1.6%) | 1x points (1%) | SKYPASS Visa Signature · 0.6 pts |
| Gas | 1x miles (1.6%) | 5x points (5%) | H-D™ H.O.G.™ Elite Visa Signature · 3.4 pts |
| Travel | 2x miles (3.2%) | 2x points (2%) | SKYPASS Visa Signature · 1.2 pts |
| Other | 1x miles (1.6%) | 1x points (1%) | SKYPASS Visa Signature · 0.6 pts |
| Welcome bonus | ~$640 estimated | ~$100 estimated | SKYPASS Visa Signature |
| Est. annual benefits | $2359/yr | $1998/yr | SKYPASS Visa Signature |
| Annual fee | $99 | $99 | Tie |
| Holistic overall | 63 pts (cat 24, bonus 17, benefits 14, fee 8) | 38 pts (cat 16, bonus 3, benefits 11, fee 8) | SKYPASS Visa Signature |
Madeen take
How to think about this pair
SKYPASS Visa Signature (3.2% top effective rate) vs H-D™ H.O.G.™ Elite Visa Signature (5%): Madeen's catalog compares fees vs fees across dining, grocery, gas, and travel — not just headline categories.
Strategy
Use SKYPASS Visa Signature when Best for spenders who put meaningful volume in dining and can earn 2x miles. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.. Use H-D™ H.O.G.™ Elite Visa Signature when Best for spenders who put meaningful volume in gas and can earn 5x points. The welcome bonus can help if you can meet.
Hold both?
Many U.S. Bank users can hold both cards if each covers a different spend lane and the combined annual fees still clear your break-even math.
Welcome bonus playbook
If you are chasing a welcome bonus, SKYPASS Visa Signature leads on catalog bonus value. For long-term category earn after the bonus, H-D™ H.O.G.™ Elite Visa Signature is the stronger keeper in this pair — but only if its annual fee still makes sense for your spend.
Madeen analysis
Which card has stronger benefits: SKYPASS Visa Signature or H-D™ H.O.G.™ Elite Visa Signature?
Madeen estimates $2359 annual benefit value on SKYPASS Visa Signature versus $1998 on H-D™ H.O.G.™ Elite Visa Signature. Credits only matter if you will use them.
SKYPASS Visa Signature
Total est. value: $2,359/yr
Credits and perks only help if you will actually use them in a typical year.
- Roadside Dispatch® $1,000/yr
- Trip Delay Reimbursement $500/yr
- Sofar Sounds $240/yr
- Visa Signature Concierge $150/yr
- Global Entry Statement Credit $120/yr
H-D™ H.O.G.™ Elite Visa Signature
Total est. value: $1,998/yr
Credits and perks only help if you will actually use them in a typical year.
- Roadside Dispatch® $1,000/yr
- Sofar Sounds $240/yr
- Visa Signature Concierge $150/yr
- Global Entry Statement Credit $120/yr
- OpenTable $120/yr
Welcome bonus
Which welcome bonus is stronger for SKYPASS Visa Signature or H-D™ H.O.G.™ Elite Visa Signature?
If you are chasing a welcome bonus, SKYPASS Visa Signature leads on catalog bonus value. For long-term category earn after the bonus, H-D™ H.O.G.™ Elite Visa Signature is the stronger keeper in this pair — but only if its annual fee still makes sense for your spend. SKYPASS Visa Signature lists 40k Korean Air SKYPASS; H-D™ H.O.G.™ Elite Visa Signature.
SKYPASS Visa Signature
40k Korean Air SKYPASS
H-D™ H.O.G.™ Elite Visa Signature
10k Harley-Davidson Membership Points
Caps & conditions
Caps and earn limits
Both SKYPASS Visa Signature and H-D™ H.O.G.™ Elite Visa Signature carry structured reward caps in the catalog. Compare the category that matters most before assuming the headline multiplier lasts all year.
SKYPASS Visa Signature
- 2X miles on dining, including takeout and restaurant delivery
- 2X miles on hotels
H-D™ H.O.G.™ Elite Visa Signature
- Earn 2X points at restaurants, fast food, and bars
- Earn 5X points at gas and EV charging stations
- Earn 2X points at hotels & other lodging
Who should pick which
Scenario playbook
Cashback-first user
Pick H-D™ H.O.G.™ Elite Visa Signature
H-D™ H.O.G.™ Elite Visa Signature is the better cashback-style pick because it has the cleaner effective-rate and fee blend for this pair.
Travel & points user
Pick H-D™ H.O.G.™ Elite Visa Signature
H-D™ H.O.G.™ Elite Visa Signature is the stronger travel-style pick because it combines better reward value with more travel-friendly positioning.
No annual fee priority
Pick H-D™ H.O.G.™ Elite Visa Signature
H-D™ H.O.G.™ Elite Visa Signature is easier to keep for no-fee users because it has the lighter annual-fee burden in this pair.
Heavy dining spend
Pick SKYPASS Visa Signature
For restaurant and dining-coded spend, the winner is whoever posts the stronger dining effective rate after caps and exclusions — see the category matrix for the current snapshot.
Heavy grocery spend
Pick SKYPASS Visa Signature
Supermarket and grocery coding can differ from superstores and delivery, so compare the grocery row before you optimize a weekly shopping basket.
Welcome bonus chaser
Pick SKYPASS Visa Signature
If you are chasing a welcome bonus, SKYPASS Visa Signature leads on catalog bonus value. For long-term category earn after the bonus, H-D™ H.O.G.™ Elite Visa Signature is the stronger keeper in this pair — but only if its annual fee still makes sense for your spend.
Fee-sensitive keeper
Pick Tie
When you want the card that is easiest to keep year two, annual fee often matters more than a narrow category edge.
Decision guide
Which card is better between SKYPASS Visa Signature and H-D™ H.O.G.™ Elite Visa Signature?
SKYPASS Visa Signature is the better overall pick because it leads on Madeen's weighted scorecard (63 vs 38) across categories, bonus, benefits, and fee. SKYPASS Visa Signature (3.2% top effective rate) vs H-D™ H.O.G.™ Elite Visa Signature (5%): Madeen's catalog compares fees vs fees across dining, grocery, gas, and travel — not just headline categories.
When should you pick SKYPASS Visa Signature over H-D™ H.O.G.™ Elite Visa Signature?
Choose SKYPASS Visa Signature if Best for spenders who put meaningful volume in dining and can earn 2x miles. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.. Best for dining-heavy spend when the $99 fee fits your usage; confirm issuer terms before applying.
Strengths
- Strongest Madeen category is dining at about 3.2% effective (2x miles).
- That dining rate ranks higher than about 92% of cards we track in the category.
- No foreign transaction fee listed.
Tradeoffs
- $99 annual fee requires enough spend in bonus categories to offset.
- Korean Air SKYPASS value depends on how you redeem, not straight cash back.
When should you pick H-D™ H.O.G.™ Elite Visa Signature over SKYPASS Visa Signature?
Choose H-D™ H.O.G.™ Elite Visa Signature if Best for spenders who put meaningful volume in gas and can earn 5x points. The welcome bonus can help if you can meet the spend requirement.. Best for gas-heavy spend when the $99 fee fits your usage; confirm issuer terms before applying.
Strengths
- Strongest Madeen category is gas at about 5% effective (5x points).
- That gas rate ranks higher than about 99% of cards we track in the category.
- Welcome bonus may add value if you can meet spend requirements.
Tradeoffs
- $99 annual fee requires enough spend in bonus categories to offset.
- Charges $3 foreign transaction fees.
Common questions about SKYPASS Visa Signature vs H-D™ H.O.G.™ Elite Visa Signature
Which card is better between SKYPASS Visa Signature and H-D™ H.O.G.™ Elite Visa Signature?
SKYPASS Visa Signature is the stronger overall fit because it leads on Madeen's weighted scorecard (63 vs 38) across categories, bonus, benefits, and fee. The overall winner depends on your spend mix — use the scorecard rows and scenario playbook to see where each card actually wins.
Which card wins on dining: SKYPASS Visa Signature or H-D™ H.O.G.™ Elite Visa Signature?
SKYPASS Visa Signature leads dining at 3.2% effective versus 2%.
Which card is better for cashback users: SKYPASS Visa Signature or H-D™ H.O.G.™ Elite Visa Signature?
H-D™ H.O.G.™ Elite Visa Signature is the better cashback-style pick between SKYPASS Visa Signature and H-D™ H.O.G.™ Elite Visa Signature.
Which welcome bonus is stronger between SKYPASS Visa Signature and H-D™ H.O.G.™ Elite Visa Signature?
If you are chasing a welcome bonus, SKYPASS Visa Signature leads on catalog bonus value. For long-term category earn after the bonus, H-D™ H.O.G.™ Elite Visa Signature is the stronger keeper in this pair — but only if its annual fee still makes sense for your spend.
Which card has stronger benefits: SKYPASS Visa Signature or H-D™ H.O.G.™ Elite Visa Signature?
SKYPASS Visa Signature leads on estimated annual benefit value in the Madeen snapshot.
Which card has the lower annual fee: SKYPASS Visa Signature or H-D™ H.O.G.™ Elite Visa Signature?
Tie has the simpler fee story in this pair ($99 vs $99). Annual fee only wins if you use the rewards and credits that justify it.
Is SKYPASS Visa Signature or H-D™ H.O.G.™ Elite Visa Signature better for travel spend?
H-D™ H.O.G.™ Elite Visa Signature is the stronger travel-style pick between SKYPASS Visa Signature and H-D™ H.O.G.™ Elite Visa Signature in this snapshot.
Can you hold both U.S. Bank cards?
Yes, many people can hold both U.S. Bank cards when each covers a different spend lane and the combined fees still make sense.
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Reviewed by Madeen editorial review
Catalog snapshot 2026-05-01
Updated 2026-06-25
Content tier Standard
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