Wells Fargo Reflect® Card
vs. U.S. Bank Altitude® Go Visa Signature® Card

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.

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.

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.

MoneyGeek evaluates 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. To better understand our comprehensive process, you can review our ranking methodology.