H-D™ H.O.G.™ Elite Visa Signature® Card — U.S. Bank is a personal credit card from U.S. Bank. Application typically pulls a credit report from TransUnion. The annual fee is $99. The ongoing APR is 17.74% to 30.74% after a 0% intro APR on purchases and on balance transfers made within 30 days of account opening, for the first 9 billing cycles introductory rate. Signup bonus: 10,000 points (redeemable for a $100 H-D Gift Card) after $500 in eligible net purchases within the first 90 days. Rewards: 5X points at H-D and gas stations; 2X at restaurants, bars, hotels and other lodging; 1X everywhere else; 2 points per mile ridden for qualifying H.O.G. members; up to $99/yr in statement credits ($59 H.O.G. membership, $30 H-D dealership, $10 SiriusXM). Soft-pull pre-qualification is available — no hard inquiry to check approval odds.