CardRewardsEditorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: June 2026.
The Wyndham Rewards Earner Card ($0/yr) is better for everyday value, while the H-D™ H.O.G.™ Elite Visa Signature® ($99/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Annual Fee
Welcome Bonus
| Category | H-D™ H.O.G.™ Elite Visa Signature® | Wyndham Rewards Earner Card |
|---|---|---|
| Gas Stations | 5X | 5X |
| Harleydavidson |
Both cards win in 2 categories each — it comes down to which categories matter most to you.
Harleydavidson
H-D™ H.O.G.™ Elite Visa Signature® earns 5X vs 1X
Hotels
H-D™ H.O.G.™ Elite Visa Signature® earns 2X vs 1X
Wyndham Hotels
Wyndham Rewards Earner Card earns 5X vs 1X
Grocery Stores
Wyndham Rewards Earner Card earns 2X vs 1X
The H-D™ H.O.G.™ Elite Visa Signature® costs $99/yr — that's $99 more than the Wyndham Rewards Earner Card (no annual fee). To justify that gap, you need to extract at least $99 in annual value from the card's higher earn rates and benefits.
Bottom line: The $99 difference is small enough that the H-D™ H.O.G.™ Elite Visa Signature®'s extra perks make it worth considering for most cardholders.
Get the Wyndham Rewards Earner Card if you:
The Wyndham Rewards Earner Card has a lower annual fee ($0 vs $99), making it the more accessible option.
Choose the Wyndham Rewards Earner Card if you want solid rewards with a lower cost of entry. Choose the H-D™ H.O.G.™ Elite Visa Signature® if you travel frequently and can maximize its premium benefits.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: June 2026.
The Wyndham Rewards Earner Card ($0/yr) is better for everyday value, while the H-D™ H.O.G.™ Elite Visa Signature® ($99/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Annual Fee
Welcome Bonus
| Category | H-D™ H.O.G.™ Elite Visa Signature® | Wyndham Rewards Earner Card |
|---|---|---|
| Gas Stations | 5X | 5X |
| Harleydavidson |
Both cards win in 2 categories each — it comes down to which categories matter most to you.
Harleydavidson
H-D™ H.O.G.™ Elite Visa Signature® earns 5X vs 1X
Hotels
H-D™ H.O.G.™ Elite Visa Signature® earns 2X vs 1X
Wyndham Hotels
Wyndham Rewards Earner Card earns 5X vs 1X
Grocery Stores
Wyndham Rewards Earner Card earns 2X vs 1X
The H-D™ H.O.G.™ Elite Visa Signature® costs $99/yr — that's $99 more than the Wyndham Rewards Earner Card (no annual fee). To justify that gap, you need to extract at least $99 in annual value from the card's higher earn rates and benefits.
Bottom line: The $99 difference is small enough that the H-D™ H.O.G.™ Elite Visa Signature®'s extra perks make it worth considering for most cardholders.
Get the Wyndham Rewards Earner Card if you:
The Wyndham Rewards Earner Card has a lower annual fee ($0 vs $99), making it the more accessible option.
Choose the Wyndham Rewards Earner Card if you want solid rewards with a lower cost of entry. Choose the H-D™ H.O.G.™ Elite Visa Signature® if you travel frequently and can maximize its premium benefits.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: June 2026.
The Wyndham Rewards Earner Card ($0/yr) is better for everyday value, while the H-D™ H.O.G.™ Elite Visa Signature® ($99/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.
Annual Fee
Welcome Bonus
| Category | H-D™ H.O.G.™ Elite Visa Signature® | Wyndham Rewards Earner Card |
|---|---|---|
| Gas Stations | 5X | 5X |
| Harleydavidson |
Both cards win in 2 categories each — it comes down to which categories matter most to you.
Harleydavidson
H-D™ H.O.G.™ Elite Visa Signature® earns 5X vs 1X
Hotels
H-D™ H.O.G.™ Elite Visa Signature® earns 2X vs 1X
Wyndham Hotels
Wyndham Rewards Earner Card earns 5X vs 1X
Grocery Stores
Wyndham Rewards Earner Card earns 2X vs 1X
The H-D™ H.O.G.™ Elite Visa Signature® costs $99/yr — that's $99 more than the Wyndham Rewards Earner Card (no annual fee). To justify that gap, you need to extract at least $99 in annual value from the card's higher earn rates and benefits.
Bottom line: The $99 difference is small enough that the H-D™ H.O.G.™ Elite Visa Signature®'s extra perks make it worth considering for most cardholders.
Get the Wyndham Rewards Earner Card if you:
The Wyndham Rewards Earner Card has a lower annual fee ($0 vs $99), making it the more accessible option.
Choose the Wyndham Rewards Earner Card if you want solid rewards with a lower cost of entry. Choose the H-D™ H.O.G.™ Elite Visa Signature® if you travel frequently and can maximize its premium benefits.
Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: June 2026.
| 5X |
| 1X |
| Wyndham Hotels | 1X | 5X |
| Dining | 2X | 2X |
| Grocery Stores | 1X | 2X |
| Hotels | 2X | 1X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
| 5X |
| 1X |
| Wyndham Hotels | 1X | 5X |
| Dining | 2X | 2X |
| Grocery Stores | 1X | 2X |
| Hotels | 2X | 1X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
| 5X |
| 1X |
| Wyndham Hotels | 1X | 5X |
| Dining | 2X | 2X |
| Grocery Stores | 1X | 2X |
| Hotels | 2X | 1X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
