Wells Fargo Reflect vs US Bank Altitude Connect
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
US Bank Altitude Connect wins 3-1. No-fee 4x travel — rare combination of no fee + premium earn rate. Wells Fargo Reflect is still the right call if 21-month 0% intro apr — best balance-transfer card on the market..
Side-by-side
| Criterion | Wells Fargo Reflect | US Bank Altitude Connect |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | · 1% (general) | 4% (travel) |
| Base reward rate | = 1% | = 1% |
| Forex markup | · 3% | No FX fee |
| Welcome bonus | = No welcome bonus — value is the long 0% APR | = 50,000 points after $2,000 spend in 120 days |
| Fee waiver threshold | = N/A (no fee) | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | 670 | · 700 |
| Editorial rating | · 4.3/5 | 4.4/5 |
Benefits compared
Wells Fargo Reflect
- 0% intro APR for 21 months on purchases + balance transfers
- 1% cashback on rotating bonuses (rare for Wells Fargo)
- Cell phone protection
- No annual fee
US Bank Altitude Connect
- 4x on travel + gas + EV charging stations
- 2x at restaurants + grocery + streaming
- 1x on everything else
- $30 annual streaming credit
- No annual fee, no foreign transaction fees
- Cell phone protection
FAQ
›Wells Fargo Reflect vs US Bank Altitude Connect: which is better?
US Bank Altitude Connect wins on more dimensions (3 vs 1). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Wells Fargo Reflect for its best categories, US Bank Altitude Connect for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Wells Fargo Reflect: No welcome bonus — value is the long 0% APR. US Bank Altitude Connect: 50,000 points after $2,000 spend in 120 days.