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$99
Annual Fee
10,000
points · Welcome Bonus
5X
Top Rate
Annual Fee
$99
Network
Visa Signature
Rewards Currency
Harley-Davidson Membership Points
Credit Required
Excellent
10,000
points
$500
Spend Required
90 months
Time Period
5X
Earn 5X points at gas and EV charging stations
5X
Earn 5X points at H-D
2X
Earn 2X points at restaurants, fast food, and bars
2X
Earn 2X points at hotels & other lodging
Benefits & Perks
Total face value: $217
Estimated annual value: $80
| Credit | Value | Category | Frequency | Details |
|---|---|---|---|---|
| $59 H.O.G. membership | $59 | Statement Credit | — | |
| $30 dealership credit | $30 | Statement Credit | — | |
| 8% Booking.com credit | $8/Per stay | Travel | Per stay | |
| $10/mo SiriusXM | $10/Monthly |
Reviews & Analysis
Credit Utilization (60%)
Details & Terms
Media & Resources
| Source | Date | URL |
|---|---|---|
| — | — | View source |
$99
Annual Fee
10,000
points · Welcome Bonus
5X
Top Rate
Annual Fee
$99
Network
Visa Signature
Rewards Currency
Harley-Davidson Membership Points
Credit Required
Excellent
10,000
points
$500
Spend Required
90 months
Time Period
5X
Earn 5X points at gas and EV charging stations
5X
Earn 5X points at H-D
2X
Earn 2X points at restaurants, fast food, and bars
2X
Earn 2X points at hotels & other lodging
Benefits & Perks
Total face value: $217
Estimated annual value: $80
| Credit | Value | Category | Frequency | Details |
|---|---|---|---|---|
| $59 H.O.G. membership | $59 | Statement Credit | — | |
| $30 dealership credit | $30 | Statement Credit | — | |
| 8% Booking.com credit | $8/Per stay | Travel | Per stay | |
| $10/mo SiriusXM | $10/Monthly |
Reviews & Analysis
Credit Utilization (60%)
Details & Terms
Media & Resources
| Source | Date | URL |
|---|---|---|
| — | — | View source |
$99
Annual Fee
10,000
points · Welcome Bonus
5X
Top Rate
Annual Fee
$99
Network
Visa Signature
Rewards Currency
Harley-Davidson Membership Points
Credit Required
Excellent
10,000
points
$500
Spend Required
90 months
Time Period
5X
Earn 5X points at gas and EV charging stations
5X
Earn 5X points at H-D
2X
Earn 2X points at restaurants, fast food, and bars
2X
Earn 2X points at hotels & other lodging
Benefits & Perks
Total face value: $217
Estimated annual value: $80
| Credit | Value | Category | Frequency | Details |
|---|---|---|---|---|
| $59 H.O.G. membership | $59 | Statement Credit | — | |
| $30 dealership credit | $30 | Statement Credit | — | |
| 8% Booking.com credit | $8/Per stay | Travel | Per stay | |
| $10/mo SiriusXM | $10/Monthly |
Reviews & Analysis
Credit Utilization (60%)
Details & Terms
Media & Resources
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| Statement Credit |
| Monthly |
Combined Protection Value
$6,350
Get reimbursed up to $2,000 per person when a trip is canceled or interrupted due to covered reasons like illness or severe weather.
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Travel Emergency Assistance, Auto rental collision damage waiver, and Emergency cash and card replacement
Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
Get an additional year of warranty protection on eligible electronics and appliances with original warranties of 3 years or less.
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$130.20
Annual Fee
-$99
Net Annual Value
+$31.20
| Statement Credit |
| Monthly |
Combined Protection Value
$6,350
Get reimbursed up to $2,000 per person when a trip is canceled or interrupted due to covered reasons like illness or severe weather.
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Travel Emergency Assistance, Auto rental collision damage waiver, and Emergency cash and card replacement
Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
Get an additional year of warranty protection on eligible electronics and appliances with original warranties of 3 years or less.
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$130.20
Annual Fee
-$99
Net Annual Value
+$31.20
| Statement Credit |
| Monthly |
Combined Protection Value
$6,350
Get reimbursed up to $2,000 per person when a trip is canceled or interrupted due to covered reasons like illness or severe weather.
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Travel Emergency Assistance, Auto rental collision damage waiver, and Emergency cash and card replacement
Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
Get an additional year of warranty protection on eligible electronics and appliances with original warranties of 3 years or less.
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$130.20
Annual Fee
-$99
Net Annual Value
+$31.20
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
Reimbursement up to $300 for meals and lodging after 12+ hour delay. Signature requires 12 hours vs Infinite's 6 hours.
Get reimbursed up to $300 for essential purchases like clothing and toiletries when checked baggage is delayed 4+ hours.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
Fix, manage, and maintain your credit score
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
Reimbursement up to $300 for meals and lodging after 12+ hour delay. Signature requires 12 hours vs Infinite's 6 hours.
Get reimbursed up to $300 for essential purchases like clothing and toiletries when checked baggage is delayed 4+ hours.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
Fix, manage, and maintain your credit score
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
Reimbursement up to $300 for meals and lodging after 12+ hour delay. Signature requires 12 hours vs Infinite's 6 hours.
Get reimbursed up to $300 for essential purchases like clothing and toiletries when checked baggage is delayed 4+ hours.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
Fix, manage, and maintain your credit score
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
