*Spend $500 in eligible net purchases (net purchases are purchases minus credits and returns) within the first 90 days of account opening and 10,000 Genuine Rewards points will be credited to your account 6-8 weeks after the 90 day period. The 10,000 Genuine Rewards points can be redeemed for a $100 H-D™ Gift Card. Your Harley‑Davidson® Visa Account must be open and in good standing to earn and redeem rewards and benefits.
**Points are earned on eligible net purchases (net purchases are purchases minus credits and returns). Not all transactions are considered to be Purchases and eligible to earn rewards, such as transactions posting as Convenience Checks; Balance Transfers; Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets); interest charges and fees; credit insurance premiums; and transactions to (i) fund certain prepaid card products, (ii) buy currency from the U.S. Mint, or (iii) buy cash convertible items. U.S. Bank cannot control how merchants choose to classify their business and reserves the right to determine which purchases qualify. Genuine Rewards points awarded but not redeemed will expire 3 years from the date the points were awarded on December 31, at 11p.m. CST, of the expiration year. Harley‑Davidson™ Gift Cards issued from H‑D™ Genuine Rewards point redemption do not expire. The Harley‑Davidson Gift Card is issued by Pathward, N.A., Member FDIC.
***Offer Expires 1/31/2026. The 0% introductory APR applies to purchases and is valid for the first 9 billing cycles. The 0% introductory APR applies to balance transfers made within 30 days of account opening and is valid for the first 9 billing cycles. The introductory rate does not apply to cash advances. Thereafter, the APR may vary and as of 12/1/2025, the undiscounted variable APR for Purchases and Balance Transfers is 17.49% - 30.49% (based on your creditworthiness). The variable APR for Cash Advances is 30.49%. Cash Advance fee: 5% of each advance amount, $10 minimum. Convenience Check fee: 3% of each check amount, $5 minimum. Cash Equivalent fee: 5% of each cash amount, $10 minimum. Balance Transfer fee: 5% of each transfer amount, $5 minimum. There is a $1 minimum interest charge where interest is due. The annual fee is $99 (H.O.G.™ Elite) or $0 (Signature). Foreign Transaction fee: 3% of each foreign purchase transaction or foreign ATM advance transaction. We apply your minimum payment to balances with lower APRs first, including promotional APRs. Amounts paid over the minimum payment will be applied in the order of highest to lowest APR balances. We may change APRs, fees, and other Account terms in the future based on your experience with U.S Bank National Association and its affiliates as provided under the Cardmember Agreement and applicable law.
†BALANCE TRANSFER INFORMATION Balance transfer transactions from other U.S. Bank National Association accounts are not permitted. You may stop payment on a Balance Transfer Check(s) within 10 days of account opening by calling (800-699-2281). After 10 days from account opening, requests to stop payment on a Balance Transfer Check(s) issued by U.S. Bank shall not be honored unless the check(s) has been stolen, lost, or destroyed.
