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

If you're looking to avoid interest and fees, you may be considering the Wells Fargo Reflect Card and the U.S. Bank Altitude Go Visa Signature Card. Both cards offer a $0 annual fee and introductory APR periods, but they cater to different needs. The Wells Fargo Reflect Card is ideal for those needing a lengthy 0% APR window for big purchases or balance transfers.

In contrast, the U.S. Bank Altitude Go Visa Signature Card is tailored for reward-seekers, with generous points on dining and a welcome bonus. Choose the Reflect Card for savings on interest, or the Altitude Go for rewards on your spending.

You might prefer the Wells Fargo Reflect® Card if: You're planning a significant purchase or want to transfer balances and desire a lengthy period to pay off the debt without accruing interest. This card offers a 0% intro APR for 21 months on purchases and balance transfers, one of the longest introductory periods available. It's particularly well-suited for those with good to excellent credit who need substantial time to manage their finances without the added cost of interest. However, it's important to note that this card does not offer rewards or cash back, which might be a drawback if you want to earn points or rewards on your spending.

You might prefer the U.S. Bank Altitude® Go Visa Signature® Card if: You dine out frequently or make regular purchases that could earn you a significant amount of points. With this card, you'll earn four points per dollar spent on dining, including takeout and delivery, and you can earn 20,000 bonus points as an introductory offer. While the introductory 0% APR period is shorter at 12 billing cycles for purchases and balance transfers, the rewards program could provide substantial value if your spending aligns with the card's bonus categories. Remember, the rewards program's benefits are best realized by those who pay off their balances in full each month to avoid interest charges that could negate the value of earned points.

The Wells Fargo Reflect Card receives a perfect score of 5.0 from MoneyGeek in the balance transfer card category, indicating its exceptional value for those looking to manage existing debt. With a 21-month 0% introductory APR on purchases and balance transfers, this card is particularly well-suited for individuals planning large purchases or seeking to pay down balances without accruing interest.

It's designed for consumers with a good to excellent credit score ranging between 670 and 850, ensuring accessibility for a wide range of applicants. The card boasts no annual fee, although a balance transfer fee of 5% or a minimum of $5 applies. While it doesn't offer rewards or cash back, its long introductory APR period provides substantial potential savings on interest, making it a strong contender for those focused on financial flexibility and debt reduction.

The U.S. Bank Altitude® Go Visa Signature® Card is a strong contender in the rewards card category, boasting an impressive 2.8 effective reward rate according to MoneyGeek's evaluation. With no annual fee, this card is a cost-effective choice for those who dine out frequently, offering four points per dollar spent on dining, including takeout and delivery.

Cardholders can also benefit from an introductory offer of 20,000 bonus points, adding substantial value for new users. Additionally, the card provides a 0% introductory APR for the first 12 billing cycles on purchases, which can be particularly advantageous for those planning to make large purchases soon after acquiring the card. While it may not offer point transfer options and the introductory APR period is relatively short, the U.S. Bank Altitude® Go Visa Signature® Card is well-suited for individuals seeking to maximize their rewards on dining and everyday spending without incurring an annual fee.

Our breakdown will help you compare APRs, fees, required credit, rewards, introductory offers and other features. Use this section to align each card's offerings with your financial habits.