U.S. Bank Altitude Connect Visa Signature Card vs Wells Fargo Autograph Visa Credit Card
Both cards cost $0/yr. The U.S. Bank Altitude Connect Visa Signature Card leads on car rentals; the Wells Fargo Autograph Visa Credit Card on travel.
Card data as of October 12, 2026.
U.S. Bank Altitude Connect Visa Signature CardU.S. Bank · No annual fee
Wells Fargo Autograph Visa Credit CardWells Fargo · No annual fee
Overview
- Annual fee
- U.S. Bank Altitude Connect Visa Signature Card$0Wells Fargo Autograph Visa Credit Card$0
- Welcome offerCurrent public offer
- U.S. Bank Altitude Connect Visa Signature Card20,000 pointsWells Fargo Autograph Visa Credit Card20,000 points
- Rewards
- U.S. Bank Altitude Connect Visa Signature CardU.S. Bank Altitude pointsWells Fargo Autograph Visa Credit CardWells Fargo Go Far Rewards
- Foreign transaction fee
- U.S. Bank Altitude Connect Visa Signature CardNoneWells Fargo Autograph Visa Credit CardNone
- Network
- U.S. Bank Altitude Connect Visa Signature CardVisa SignatureWells Fargo Autograph Visa Credit CardVisa Signature
Earn ratesPer $1 spent
- Gas Stations
- U.S. Bank Altitude Connect Visa Signature Card4xHighestWells Fargo Autograph Visa Credit Card3x
- Travel
- U.S. Bank Altitude Connect Visa Signature Card4xHighestWells Fargo Autograph Visa Credit Card3x
- Dining
- U.S. Bank Altitude Connect Visa Signature Card2xWells Fargo Autograph Visa Credit Card3xHighest
- Streaming
- U.S. Bank Altitude Connect Visa Signature Card2xWells Fargo Autograph Visa Credit Card3xHighest
- Telecom
- U.S. Bank Altitude Connect Visa Signature Card1xWells Fargo Autograph Visa Credit Card3xHighest
- Transit
- U.S. Bank Altitude Connect Visa Signature Card1xWells Fargo Autograph Visa Credit Card3xHighest
- Grocery Stores
- U.S. Bank Altitude Connect Visa Signature Card2xHighestWells Fargo Autograph Visa Credit Card1x
- Everything else
- U.S. Bank Altitude Connect Visa Signature Card1xWells Fargo Autograph Visa Credit Card1x
Statement creditsAs the issuer states them · — means none on record
- Travel
- U.S. Bank Altitude Connect Visa Signature Card
- $100 Global Entry/TSA PreCheck · $100 every 4 years
Wells Fargo Autograph Visa Credit Card—
Perks & access— means none on record
- Lounges
- U.S. Bank Altitude Connect Visa Signature Card
- Airport lounge access
Wells Fargo Autograph Visa Credit Card— - Hotel status & programs
- U.S. Bank Altitude Connect Visa Signature Card
- 900+ luxury hotel properties with exclusive perks
Wells Fargo Autograph Visa Credit Card- Visa Signature Luxury Hotel Collection elite benefits
- Other perks
- U.S. Bank Altitude Connect Visa Signature Card
- 24/7 Visa Signature Concierge service
- Free unlimited international mobile data
- Zero foreign transaction fees on international purchases
Wells Fargo Autograph Visa Credit Card- Concierge service, 24/7
- Access to live event presale tickets and experiences
- Emergency cash and expedited card replacement services
- 0% introductory APR on purchases for 12 full months
- Exclusive merchant discounts with My Wells Fargo Deals
- Zero foreign transaction fees on international purchases
Show 3 more
- Pay-per-use 24/7 roadside assistance with towing
- 24/7 travel and emergency assistance services worldwide
- 24/7 Visa Signature Concierge for travel and events
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- U.S. Bank Altitude Connect Visa Signature Card
- Up to $2,000 trip cancellation coverage
- Up to $300 trip delay reimbursement coverage
Wells Fargo Autograph Visa Credit Card— - Rental car
- U.S. Bank Altitude Connect Visa Signature Card—Wells Fargo Autograph Visa Credit Card
- $50,000 auto rental collision damage waiver
- Cell phone
- U.S. Bank Altitude Connect Visa Signature Card—Wells Fargo Autograph Visa Credit Card
- Cellular Telephone Protection · up to $600
- Up to $600 per claim cell phone damage and theft protection
- Other protections
- U.S. Bank Altitude Connect Visa Signature Card
- 24/7 worldwide travel and emergency assistance
- 24/7 roadside dispatch assistance (pay-per-use)
Wells Fargo Autograph Visa Credit Card- Free monthly FICO credit score updates with Credit Close-Up
Pros & cons
- Pros
- U.S. Bank Altitude Connect Visa Signature Card
- 5X points on prepaid hotels/cars via U.S. Bank Travel Center
- 4X points on travel and gas (up to $1,000/quarter on gas)
- 2X points on dining, streaming, and groceries
- No annual fee
- No foreign transaction fees
Wells Fargo Autograph Visa Credit Card- 3X points on 6 popular categories: dining, travel, gas, transit, streaming, phone bills
- No annual fee with transferable points (rare combination)
- 1:1 transfers to 8 airline partners including British Airways, JetBlue, and Virgin Atlantic
- No spending caps on bonus categories
- No foreign transaction fees
- Cons
- U.S. Bank Altitude Connect Visa Signature Card
- 5X rate requires booking through U.S. Bank portal
- $1,000 quarterly cap on 4X gas rewards
- Grocery/gas bonus excludes big-box stores and warehouse clubs
- Points expire after 12 months of no activity
Wells Fargo Autograph Visa Credit Card- Only 1X on groceries and general shopping
- Welcome bonus of 20,000 points ($200 value) is modest
- Limited hotel transfer options (only Choice Privileges at 1:2 ratio)
- No premium travel benefits like lounge access or travel insurance
- Penalty APR of 29.99% for late payments
Category-by-Category Winner
The Wells Fargo Autograph Visa Credit Card wins in 4 of 6 categories. The U.S. Bank Altitude Connect Visa Signature Card leads in 2. 3 more categories depend on booking channel or caps.
Car Rentals
Depends: via the Altitude Rewards Center
U.S. Bank Altitude Connect Visa Signature Card earns 5X when conditions are met; Wells Fargo Autograph Visa Credit Card earns 1X (1X without restrictions)
Hotels
Depends: via the Altitude Rewards Center
U.S. Bank Altitude Connect Visa Signature Card earns 5X when conditions are met; Wells Fargo Autograph Visa Credit Card earns 1X (1X without restrictions)
Travel
U.S. Bank Altitude Connect Visa Signature Card earns 4X vs 3X
Gas Stations
Depends: up to $1,000/quarter
U.S. Bank Altitude Connect Visa Signature Card earns 4X when conditions are met; Wells Fargo Autograph Visa Credit Card earns 3X (3X without restrictions)
Dining
Wells Fargo Autograph Visa Credit Card earns 3X vs 2X
Streaming
Wells Fargo Autograph Visa Credit Card earns 3X vs 2X
Grocery Stores
U.S. Bank Altitude Connect Visa Signature Card earns 2X vs 1X
Transit
Wells Fargo Autograph Visa Credit Card earns 3X vs 1X
Telecom
Wells Fargo Autograph Visa Credit Card earns 3X vs 1X
Year One vs Ongoing Value
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
Both scenarios favor the Wells Fargo Autograph Visa Credit Card on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | U.S. Bank Altitude Connect Visa Signature Card | Wells Fargo Autograph Visa Credit Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $192 Credits (our usable estimate): $25 − Annual fee ($0) Ongoing: $217 Year one: $417 | Rewards: $296 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $296 Year one: $586 | Wells Fargo Autograph Visa Credit Card | Wells Fargo Autograph Visa Credit Card |
| Heavy spender: $4,000/month | Rewards: $768 Credits (our usable estimate): $25 − Annual fee ($0) Ongoing: $793 Year one: $993 | Rewards: $1,183 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $1,183 Year one: $1,473 | Wells Fargo Autograph Visa Credit Card | Wells Fargo Autograph Visa Credit Card |
What You Give Up
Choosing one card means missing out on these benefits from the other.
Choosing Wells Fargo Autograph Visa Credit Card means losing:
- -Airport lounge access
- -Global Entry credit
Which Card Is Right for You?
Get the U.S. Bank Altitude Connect Visa Signature Card if you:
- +Do most of your spending at grocery stores
- +Fly frequently and value airport lounge access
The Bottom Line
Both scenarios favor the Wells Fargo Autograph Visa Credit Card on net value (rewards, usable credits, fees, and welcome offer).
Frequently Asked Questions
- Which card earns more rewards, the U.S. Bank Altitude Connect Visa Signature Card or Wells Fargo Autograph Visa Credit Card?
- Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
- What benefits does the U.S. Bank Altitude Connect Visa Signature Card have that the Wells Fargo Autograph Visa Credit Card doesn't?
- The U.S. Bank Altitude Connect Visa Signature Card offers lounge access. The Wells Fargo Autograph Visa Credit Card offers cell phone protection.
- Should I get the U.S. Bank Altitude Connect Visa Signature Card or the Wells Fargo Autograph Visa Credit Card?
- Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.
Related Comparisons
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published October 12, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.