Wells Fargo Reflect vs. U.S. Bank Altitude Go Credit Card Comparison

Name: Wells Fargo Reflect vs. U.S. Bank Altitude Go
Item: Wells Fargo Reflect vs. U.S. Bank Altitude Go
Author: Doug Milnes, CFA

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Both the Wells Fargo Reflect® Card and the U.S. Bank Altitude® Go Visa Signature® Card offer no annual fee and cater to individuals with good to excellent credit. However, they serve different purposes. For balance transfer, the Wells Fargo Reflect card is the superior choice due to its lengthy 21-month 0% introductory APR. While the Wells Fargo Reflect doesn't offer rewards, its cell phone protection feature is a valuable perk to consider.

For those who prioritize earning rewards, the U.S. Bank Altitude Go is a strong option with its 4X points on dining.

Wells Fargo Reflect® Card

U.S. Bank Altitude® Go Visa Signature® Card

MoneyGeek Rating

5/ of 5

Rates & Fees

MoneyGeek Rating

3.0/ of 5

Rates & Fees

REVIEW & APPLY

On Issuer's Site

REVIEW & APPLY

On Issuer's Site

Regular APR
17.49%, 23.99%, or 29.24% variable
18.24% – 29.24% variable
0% APR Offer
0% for 21 months on purchases
0% for the first 12 billing cycles
Intro Offer
No current offer
Earn 20,000 bonus points
Rewards Summary
-
Earn 1X – 4X points
Balance Transfer Offer
0% for 21 months on balance transfers
0% for the first 12 billing cycles
Balance Transfer Fee
5% for each balance transfer, minimum $5
Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Annual Fee
$0
$0
Recommended Credit
670-850 (Good to Excellent)
670-850 (good to excellent)*
Penalty APR
-
-
Not sure?
The Wells Fargo Reflect is better for those seeking to minimize interest on purchases or balance transfers, with its 21-month 0% introductory APR. However, for individuals who prioritize earning rewards on their spending, the U.S. Bank Altitude Go offers up to 4X points on dining and additional categories. While both cards have no annual fee, the U.S. Bank Altitude Go provides more value with its lower balance transfer fee and annual streaming service bonus.

Which Card Is Better for You?

You might prefer the Wells Fargo Reflect if you're planning a significant purchase or want to transfer balances and pay them off over a lengthy period without interest. Its standout feature is the 21-month 0% introductory APR on purchases and balance transfers, which can provide substantial savings on interest charges. Additionally, the card offers cell phone protection, adding a layer of security for your mobile device.

You might prefer the U.S. Bank Altitude Go if your spending aligns with its reward categories. With 4X points on dining, including takeout and delivery and 2X points on groceries, gas and streaming services, you can quickly accumulate rewards with this card. Plus, the lack of an annual fee and foreign transaction fees enhances its value for everyday use and travel.

Head-to-Head Comparison: Card Details and Features

Evaluating APRs, fees, credit requirements, rewards and additional features clarifies which card aligns with your financial needs. For instance, if you're planning a large purchase, the Wells Fargo Reflect's lengthy 0% APR period may be appealing. Conversely, if dining out and streaming services dominate your spending, the U.S. Bank Altitude Go's reward structure could be more beneficial.

Regular APR: U.S. Bank Altitude Go

The U.S. Bank Altitude Go offers a slightly better APR range of 18.24% to 29.24% variable, compared to Wells Fargo Reflect's 18.24%, 24.74%, or 29.99% variable. This makes the U.S. Bank Altitude Go preferable for those prioritizing a lower potential APR.

Annual Fee: Tie

Both the Wells Fargo Reflect and the U.S. Bank Altitude Go have no annual fee, making them equally appealing for those looking to avoid extra costs. This feature results in a tie between the two cards.

Introductory 0% APRs: Wells Fargo Reflect

The Wells Fargo Reflect is better for introductory 0% APRs, offering a longer 0% APR period of 21 months on both purchases and balance transfers. On the other hand, the U.S. Bank Altitude Go offers 0% introductory APRs for 12 billing cycles.

Rewards: U.S. Bank Altitude Go

The U.S. Bank Altitude Go is better for rewards, offering 4X points on dining, 2X points on groceries, gas and streaming services and 1X points on all other purchases. Additionally, it provides a $15 credit for eligible streaming services annually.

Welcome Offers: U.S. Bank Altitude Go

The U.S. Bank Altitude Go is better for welcome offers, offering 20,000 bonus points if you spend $1,000 in the first 90 days. The Wells Fargo Reflect does not offer a welcome bonus.

Recommended Credit Score: Tie

Both the Wells Fargo Reflect and the U.S. Bank Altitude Go cater to individuals with a credit score range of 670 to 850, indicating a requirement for good to excellent credit. Given their identical credit score requirements, either card could be a fit based on creditworthiness alone.

Penalties and Fees: U.S. Bank Altitude Go

For penalties and fees, the U.S. Bank Altitude Go is slightly better due to the absence of foreign transaction fees, despite having a marginally higher late fee than the Wells Fargo Reflect. Both cards do not apply a penalty APR, making them relatively equal in other fees.

Issuer Satisfaction: Wells Fargo Reflect

For issuer satisfaction, Wells Fargo, which issues the Reflect card, outperforms with a rating of 4.0. U.S. Bank, Altitude Go's issuer, has an issuer satisfaction rating of 3.5.

Other Features & Perks: Tie

Both the Wells Fargo Reflect and U.S. Bank Altitude Go offer unique perks. The Wells Fargo Reflect provides up to $600 in cell phone protection and exclusive deals through My Wells Fargo Deals. Altitude Go offers a yearly $15 streaming service credit. Each card caters to different lifestyle benefits, making it a tie depending on personal preferences.

Methodology

MoneyGeek evaluates and reviews credit cards like the Wells Fargo Reflect and the U.S. Bank Altitude Go using a ranking process tailored to specific use cases. For these cards, the highest-scoring use case is balance transfers.

The evaluation considers factors such as the quality of balance transfer offers and the terms of introductory 0% APR on purchases. Other considerations include the card's accessibility across different credit scores and satisfaction ratings for issuers.

FAQ: Wells Fargo Reflect vs. U.S. Bank Altitude Go

What are the main differences in rewards between the Wells Fargo Reflect and the U.S. Bank Altitude Go?

The Wells Fargo Reflect does not offer rewards, while the U.S. Bank Altitude Go has a rewards program with points on dining, groceries, gas and streaming services.

Which card offers a longer introductory APR period?

The Wells Fargo Reflect offers a longer introductory APR period of 21 months compared to U.S. Bank Altitude Go's 12 months.

Are there any annual fees for either the Wells Fargo Reflect or the U.S. Bank Altitude Go?

Both cards have no annual fee.

Does the U.S. Bank Altitude Go offer a sign-up bonus?

Yes, the U.S. Bank Altitude Go offers 20,000 bonus points after meeting the spend requirement.

Can I use either of these cards for international purchases without incurring additional fees?

The U.S. Bank Altitude Go has no foreign transaction fees. The Wells Fargo Reflect charges a fee for foreign transactions.

About Doug Milnes, CFA

Doug Milnes is a CFA charter holder with over 10 years of experience in corporate finance and the Head of Credit Cards at MoneyGeek. Formerly, he performed valuations for Duff and Phelps and financial planning and analysis for various companies. His analysis has been cited by U.S. News and World Report, The Hill, the Los Angeles Times, The New York Times and many other outlets.

Milnes holds a master’s degree in data science from Northwestern University. He geeks out on helping people feel on top of their credit card use, from managing debt to optimizing rewards.

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*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
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Wells Fargo Reflect® Card vs. U.S. Bank Altitude® Go Visa Signature® Card