Discover it® Chrome
vs. Wells Fargo Active Cash® Card

Both the Discover it Chrome and Wells Fargo Active Cash Card have no annual fees and good introductory APR offers. However, the** Wells Fargo Active Cash Card edges ahead with its unlimited 2% cash rewards on all purchases**, making it a compelling choice for those seeking simplicity and consistent value.

However, the Discover it Chrome remains a strong contender. Discover it Chrome has an intro 0% APR offer. Ultimately, the best card for you depends on your preference for rewards structure and financial planning.

You might prefer the Discover it Chrome if you frequently spend on gas and dining out, as you'll benefit from the 2% cash back in these categories. Additionally, if you travel abroad, you'll save with no foreign transaction fees. The first-year cash back match can also be a significant boon if you use your card regularly for all purchases.

You might prefer the Wells Fargo Active Cash if you value simplicity and a high rewards rate on all your spending. With an unlimited 2% cash rewards on purchases and a $200 welcome bonus, this card offers straightforward value. Plus, the added perks like cell phone protection can provide extra peace of mind.

Evaluating APRs, fees, credit requirements, rewards and other features side by side helps you decide which card suits your needs. For instance, if you frequently dine out or fill up your car, Discover it Chrome's bonus categories might appeal to you, whereas consistent spenders across all categories may prefer the unlimited 2% rewards with Wells Fargo Active Cash.

The Wells Fargo Active Cash card leads with an unlimited 2% cash rewards on all purchases. This simplicity and higher rate make it a strong choice for those who prefer a no-fuss approach to earning rewards across all spending without any caps or category tracking.

In contrast, the Discover it Chrome card offers 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, then 1%. While this is competitive, it's limited by the quarterly cap and specific categories. However, for users who spend significantly in these areas, it could be a draw, especially in the first year with Discover's cash back match feature.

View the table of bonus categories to help you compare the rewards programs of both cards.

Discover it Chrome offers versatile redemption options, including gift cards and direct deposits, with the added perk that rewards never expire. In contrast, Wells Fargo Active Cash allows redemptions through various means, such as statement credits and ATM withdrawals, also with no expiration as long as the account is active. However, it lacks point transfer options to travel partners. Both cards provide straightforward redemption processes, ensuring that the rewards you earn can be easily converted to tangible value.

MoneyGeek's ranking process assigns multiple scores to each credit card, reflecting different uses like balance transfers and cash back. In this comparison, the Discover it Chrome and Wells Fargo Active Cash are evaluated based on their highest-scoring use cases. The Discover it Chrome is assessed for its balance transfer features, with a focus on the introductory purchase rate and regular APR.

The Wells Fargo Active Cash is scored for cash back, emphasizing the effective reward rate and regular APR. These factors, among others, contribute to a comprehensive score that guides potential cardholders. For a deeper understanding of our scoring system, you can read about our ranking methodology.