Wells Fargo Reflect® vs. U.S. Bank Altitude® Go Visa Signature®
Side-by-side comparison · Updated 2026 · Independently reviewed
U.S. Bank Altitude® Go Visa Signature®
U.S. Bank
4.4
4x on dining. 2x on groceries, streaming, gas. No annual fee.
Full review →WealthSpott Verdict
Wells Fargo Reflect® and U.S. Bank Altitude® Go Visa Signature® are closely matched. The right choice depends on your top spending categories and whether you'll use each card's perks.
Feature
Wells Fargo Reflect®
U.S. Bank Altitude®
Annual Fee
$0
$0
Sign-up Bonus
None
20,000 points
Rewards Rate
0%
1x-4x
Rewards Type
None
Points
0% Intro APR
0% intro APR for up to 21 months
0% for 15 billing cycles
Regular APR
18.24%-29.99% Variable Best
19.24%-29.24% Variable
Foreign Transaction Fee
Yes
None Best
Recommended Credit Score
670-850
670-850
Wells Fargo Reflect®
Pros
- 0% intro APR for up to 21 months
- No annual fee
- Cell phone protection included
Cons
- No rewards program at all
- 3% foreign transaction fee
U.S. Bank Altitude® Go Visa Signature®
Pros
- 4x on dining with no annual fee
- No foreign transaction fee
- 2x on groceries, streaming, and gas
- 0% intro APR for 15 billing cycles
Cons
- Points value is lower than Chase or Amex
- US Bank has fewer transfer partners
- Lower sign-up bonus than competitors
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