US Bank
Harley Davidson H.O.G. Elite
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Card review
Harley Davidson H.O.G. Elite
US Bank
Last updated September 22, 2026· Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly). Verify current terms on the issuer site.
Annual fee
$99
Welcome bonus
See issuer
Est. net value
$376/yr
Credit score
Varies
Top earn rate
5x everything else
Overview
How this card fits in your wallet — fees, value, and who it's built for.
The Harley Davidson H.O.G. Elite from US Bank carries a $99 annual fee. On WalletFlo's typical spend profile, the OneCard engine estimates $375.60 in rewards plus $99.00 in credits and perks — $375.60 net per year before welcome bonuses.
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
| Category | Rate |
|---|---|
| Everything elseHarley Davidson | 5× |
| GasGas | 5× |
| DiningDining | 2× |
| Everything elseBars | 2× |
| Everything elseLodging | 2× |
| Everything elseAll Purchases | 1× |
Credits & benefits
Statement credits and perks we model in net-value calculations.
Credits
- H.O.G. Membership Credit$49/yr
$49 annual statement credit for H.O.G. Membership fees
- SiriusXM Credit$20/yr
Statement credit of $20 per 12-month period will be applied within 2 statement billing cycles following 11 consecutive calendar months of eligible SiriusXM subscription
- H-D Dealerships Credit$30/yr
$30 credit to be used for purchases from H‑D dealerships
Benefits & perks
- Monthly Miles Ridden
Earn 2 Points for every mile ridden. An odometer reading must be recorded at a participating H‑D dealership or by an alternate Harley‑Davidson authorized recording method.
- Free Ride Sweepstakes
Once a month, each purchase = 2 entries to the "Free Ride Sweepstakes". Learn More (ToC at the bottom of the page)
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
Credits & perks vs fee
- Annual fee
- −$99
- Stated credits
- +$99
- Perks (est.)
- +$0
- Net after credits & perks
- $0
Verdict
Credits & perks offset the fee on paper
Only valuable if you'd use those credits anyway — rewards on spend can close any remaining gap.
WalletFlo calculator tools
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Reward Calculator
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Side by Side Compare
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Is the Annual Fee Worth it?
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Points & Miles → $ Converter
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Awards vs Cash Calculator
Compare redeeming points for travel vs cash back.
Transfer Partner Calculator
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Reward calculator
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Frequently asked questions
- What credit score do I need?
- Issuers generally look for good-to-excellent credit; exact thresholds vary.
- Is the annual fee worth it?
- See the annual fee analysis above, or open the full calculator to model credits and perks against $99 per year.