*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.
**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.
†U.S. Bank provides zero fraud liability for unauthorized transactions. Cardmember must notify U.S. Bank promptly of any unauthorized use. Certain conditions and limitations apply.
††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.
