U.S. Bank Altitude Go® Secured Visa® Card vs Wells Fargo Autograph Visa Credit Card
Both cards cost $0/yr. The U.S. Bank Altitude Go® Secured Visa® Card leads on dining; the Wells Fargo Autograph Visa Credit Card on travel.
Card data as of November 13, 2026.
U.S. Bank Altitude Go® Secured Visa® CardU.S. Bank · No annual fee
Wells Fargo Autograph Visa Credit CardWells Fargo · No annual fee
Overview
- Annual fee
- U.S. Bank Altitude Go® Secured Visa® Card$0Wells Fargo Autograph Visa Credit Card$0
- Welcome offerCurrent public offer
- U.S. Bank Altitude Go® Secured Visa® Card—Wells Fargo Autograph Visa Credit Card20,000 points
- Rewards
- U.S. Bank Altitude Go® Secured Visa® CardU.S. Bank Altitude pointsWells Fargo Autograph Visa Credit CardWells Fargo Go Far Rewards
- Foreign transaction fee
- U.S. Bank Altitude Go® Secured Visa® Card3%Wells Fargo Autograph Visa Credit CardNoneLowest
- Network
- U.S. Bank Altitude Go® Secured Visa® CardVisaWells Fargo Autograph Visa Credit CardVisa Signature
Earn ratesPer $1 spent
- Dining
- U.S. Bank Altitude Go® Secured Visa® Card4xHighestWells Fargo Autograph Visa Credit Card3x
- Gas Stations
- U.S. Bank Altitude Go® Secured Visa® Card2xWells Fargo Autograph Visa Credit Card3xHighest
- Streaming
- U.S. Bank Altitude Go® Secured Visa® Card2xWells Fargo Autograph Visa Credit Card3xHighest
- Telecom
- U.S. Bank Altitude Go® Secured Visa® Card1xWells Fargo Autograph Visa Credit Card3xHighest
- Transit
- U.S. Bank Altitude Go® Secured Visa® Card1xWells Fargo Autograph Visa Credit Card3xHighest
- Travel
- U.S. Bank Altitude Go® Secured Visa® Card1xWells Fargo Autograph Visa Credit Card3xHighest
- Electric Vehicle Charging
- U.S. Bank Altitude Go® Secured Visa® Card2xHighestWells Fargo Autograph Visa Credit Card1x
- Grocery Stores
- U.S. Bank Altitude Go® Secured Visa® Card2xHighestWells Fargo Autograph Visa Credit Card1x
- Everything else
- U.S. Bank Altitude Go® Secured Visa® Card1xWells Fargo Autograph Visa Credit Card1x
Statement creditsAs the issuer states them · — means none on record
- Entertainment & streaming
- U.S. Bank Altitude Go® Secured Visa® Card
- $15 streaming
Wells Fargo Autograph Visa Credit Card—
Perks & access— means none on record
- Hotel status & programs
- U.S. Bank Altitude Go® Secured Visa® Card—Wells Fargo Autograph Visa Credit Card
- Visa Signature Luxury Hotel Collection elite benefits
- Other perks
- U.S. Bank Altitude Go® Secured Visa® Card
- ID Navigator Powered by NortonLifeLock™
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 moreShow fewer
- 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
- Rental car
- U.S. Bank Altitude Go® Secured Visa® Card—Wells Fargo Autograph Visa Credit Card
- $50,000 auto rental collision damage waiver
- Cell phone
- U.S. Bank Altitude Go® Secured Visa® 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 Go® Secured Visa® Card—Wells Fargo Autograph Visa Credit Card
- Free monthly FICO credit score updates with Credit Close-Up
Pros & cons
- Pros
- U.S. Bank Altitude Go® Secured Visa® Card—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 airline partners including British Airways, JetBlue, and Virgin Atlantic
- No spending caps on bonus categories
- No foreign transaction fees
- Cons
- U.S. Bank Altitude Go® Secured Visa® Card—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 5 of 8 categories. The U.S. Bank Altitude Go® Secured Visa® Card leads in 3.
Dining
U.S. Bank Altitude Go® Secured Visa® Card earns 4X vs 3X
Gas Stations
Wells Fargo Autograph Visa Credit Card earns 3X vs 2X
Electric Vehicle Charging
U.S. Bank Altitude Go® Secured Visa® Card earns 2X vs 1X
Grocery Stores
U.S. Bank Altitude Go® Secured Visa® Card earns 2X vs 1X
Streaming
Wells Fargo Autograph Visa Credit Card earns 3X vs 2X
Travel
Wells Fargo Autograph Visa Credit Card earns 3X 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 Go® Secured Visa® Card | Wells Fargo Autograph Visa Credit Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $204 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $204 Year one: $204 | 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: $816 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $816 Year one: $816 | 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 |
Which Card Is Right for You?
Get the U.S. Bank Altitude Go® Secured Visa® Card if you:
- +Do most of your spending at grocery stores
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 Go® Secured Visa® 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 Go® Secured Visa® Card have that the Wells Fargo Autograph Visa Credit Card doesn't?
- The U.S. Bank Altitude Go® Secured Visa® Card focuses on earn rates, while the Wells Fargo Autograph Visa Credit Card offers cell phone protection.
- Should I get the U.S. Bank Altitude Go® Secured Visa® 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.
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.