U.S. Bank Altitude Connect Visa Signature Card vs Wells Fargo Autograph Journey Visa Credit Card
Annual fees: U.S. Bank Altitude Connect Visa Signature Card $0/yr, Wells Fargo Autograph Journey Visa Credit Card $95/yr. Strongest bonus categories: U.S. Bank Altitude Connect Visa Signature Card on car rentals, Wells Fargo Autograph Journey Visa Credit Card on hotels.
Card data as of October 12, 2026.
U.S. Bank Altitude Connect Visa Signature CardU.S. Bank · No annual fee
Wells Fargo Autograph Journey Visa Credit CardWells Fargo · $95/yr
Overview
- Annual fee
- U.S. Bank Altitude Connect Visa Signature Card$0LowestWells Fargo Autograph Journey Visa Credit Card$95
- Welcome offerCurrent public offer
- U.S. Bank Altitude Connect Visa Signature Card20,000 pointsWells Fargo Autograph Journey Visa Credit Card60,000 points
- Rewards
- U.S. Bank Altitude Connect Visa Signature CardU.S. Bank Altitude pointsWells Fargo Autograph Journey Visa Credit CardWells Fargo Go Far Rewards
- Foreign transaction fee
- U.S. Bank Altitude Connect Visa Signature CardNoneWells Fargo Autograph Journey Visa Credit CardNone
- Network
- U.S. Bank Altitude Connect Visa Signature CardVisa SignatureWells Fargo Autograph Journey Visa Credit CardVisa Signature
Earn ratesPer $1 spent
- Hotels
- U.S. Bank Altitude Connect Visa Signature Card1xWells Fargo Autograph Journey Visa Credit Card5xHighest
- Flights
- U.S. Bank Altitude Connect Visa Signature Card1xWells Fargo Autograph Journey Visa Credit Card4xHighest
- Gas Stations
- U.S. Bank Altitude Connect Visa Signature Card4xHighestWells Fargo Autograph Journey Visa Credit Card1x
- Travel
- U.S. Bank Altitude Connect Visa Signature Card4xHighestWells Fargo Autograph Journey Visa Credit Card3x
- Dining
- U.S. Bank Altitude Connect Visa Signature Card2xWells Fargo Autograph Journey Visa Credit Card3xHighest
- Grocery Stores
- U.S. Bank Altitude Connect Visa Signature Card2xHighestWells Fargo Autograph Journey Visa Credit Card1x
- Streaming
- U.S. Bank Altitude Connect Visa Signature Card2xHighestWells Fargo Autograph Journey Visa Credit Card1x
- Everything else
- U.S. Bank Altitude Connect Visa Signature Card1xWells Fargo Autograph Journey 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 Journey Visa Credit Card- $50 airline credit
Perks & access— means none on record
- Lounges
- U.S. Bank Altitude Connect Visa Signature Card
- Airport lounge access
Wells Fargo Autograph Journey Visa Credit Card— - Hotel status & programs
- U.S. Bank Altitude Connect Visa Signature Card
- 900+ luxury hotel properties with exclusive perks
Wells Fargo Autograph Journey Visa Credit Card- 900+ luxury hotel properties with exclusive perks
- 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 Journey Visa Credit Card- Visa Signature concierge
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 Journey Visa Credit Card- Up to $15,000 per traveler trip cancellation coverage
- Baggage
- U.S. Bank Altitude Connect Visa Signature Card—Wells Fargo Autograph Journey Visa Credit Card
- Up to $3,000 lost luggage coverage per trip
- Rental car
- U.S. Bank Altitude Connect Visa Signature Card—Wells Fargo Autograph Journey Visa Credit Card
- Auto rental collision damage waiver
- Purchase & returns
- U.S. Bank Altitude Connect Visa Signature Card—Wells Fargo Autograph Journey Visa Credit Card
- Zero liability protection
- Cell phone
- U.S. Bank Altitude Connect Visa Signature Card—Wells Fargo Autograph Journey Visa Credit Card
- Cellular Telephone Protection · up to $1,000
- 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 Journey Visa Credit Card- Credit Close-up monitoring
- Travel and Emergency Services Assistance
- Emergency Cash Disbursement and Card Replacement
- Roadside Dispatch®
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 Journey Visa Credit Card- 5x on hotels booked direct and 4x on airlines - among highest travel earn rates
- 1:1 transfer partners including British Airways, Flying Blue, JetBlue, Virgin Atlantic
- $50 annual airline credit covers most of the $95 fee
- Comprehensive travel insurance (trip cancellation, lost luggage, CDW)
- Cell phone protection up to $1,000 with $25 deductible
- 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 Journey Visa Credit Card- $95 annual fee (though offset by airline credit)
- Fewer transfer partners than Chase or Amex
- Must book hotels directly to earn 5x (not through OTAs)
- No lounge access
- Welcome offer requires $4,000 spend in 3 months
Category-by-Category Winner
The U.S. Bank Altitude Connect Visa Signature Card wins in 3 of 5 categories. The Wells Fargo Autograph Journey Visa Credit Card leads in 2. 2 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 Journey 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 Journey Visa Credit Card earns 1X (1X without restrictions)
Dining
Wells Fargo Autograph Journey Visa Credit Card earns 3X vs 2X
Streaming
U.S. Bank Altitude Connect Visa Signature Card earns 2X vs 1X
Grocery Stores
U.S. Bank Altitude Connect Visa Signature Card earns 2X vs 1X
Flights
Wells Fargo Autograph Journey Visa Credit Card earns 4X 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.
The better card depends on how much you spend.
| Scenario | U.S. Bank Altitude Connect Visa Signature Card | Wells Fargo Autograph Journey 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: $261 Credits (our usable estimate): $25 − Annual fee ($95) Ongoing: $191 Year one: $1,061 | U.S. Bank Altitude Connect Visa Signature Card | Wells Fargo Autograph Journey Visa Credit Card |
| Heavy spender: $4,000/month | Rewards: $768 Credits (our usable estimate): $25 − Annual fee ($0) Ongoing: $793 Year one: $993 | Rewards: $1,044 Credits (our usable estimate): $25 − Annual fee ($95) Ongoing: $974 Year one: $1,844 | Wells Fargo Autograph Journey Visa Credit Card | Wells Fargo Autograph Journey Visa Credit Card |
Is the Fee Difference Worth It?
The Wells Fargo Autograph Journey Visa Credit Card costs $95/yr — that's $95 more than the U.S. Bank Altitude Connect Visa Signature Card (no annual fee). To justify that gap, you need to extract at least $95 in annual value from the card's higher earn rates and benefits.
The Wells Fargo Autograph Journey Visa Credit Card includes travel credits. Those perks are not included in the earn-rate scenario table above — compare their dollar value to the $95 fee gap for your own usage.
Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $95 fee gap means the Wells Fargo Autograph Journey Visa Credit Card needs roughly $95 more in annual rewards (or credits you will use) to break even on hotels and flights and everyday spend.
What You Give Up
Choosing one card means missing out on these benefits from the other.
Choosing Wells Fargo Autograph Journey 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
The better card depends on how much you spend.
Published annual fees: U.S. Bank Altitude Connect Visa Signature Card $0/yr, Wells Fargo Autograph Journey Visa Credit Card $95/yr — a $95 difference before welcome offers and credits.
Frequently Asked Questions
- Is the Wells Fargo Autograph Journey Visa Credit Card worth the higher annual fee?
- The Wells Fargo Autograph Journey Visa Credit Card costs $95/yr vs $0/yr for the U.S. Bank Altitude Connect Visa Signature Card. Compare the year-one vs ongoing value table on this page — the $95 gap must be offset by higher earn rates, welcome offers, or credits you will use (the Wells Fargo Autograph Journey Visa Credit Card also lists travel credits).
- Which card earns more rewards, the U.S. Bank Altitude Connect Visa Signature Card or Wells Fargo Autograph Journey 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 Journey Visa Credit Card doesn't?
- The U.S. Bank Altitude Connect Visa Signature Card offers lounge access. The Wells Fargo Autograph Journey Visa Credit Card offers travel credits, cell phone protection.
- Should I get the U.S. Bank Altitude Connect Visa Signature Card or the Wells Fargo Autograph Journey Visa Credit Card?
- Use the spend scenarios on this page: the U.S. Bank Altitude Connect Visa Signature Card has a lower $0/yr fee; the Wells Fargo Autograph Journey Visa Credit Card must earn enough extra (or offer a larger welcome bonus) to justify $95/yr.
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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.