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

If you're looking for a rewards card with no annual fee and introductory APR offers, you may be considering the Discover it Miles and Wells Fargo Active Cash Card. The Wells Fargo Active Cash Card is better for cash rewards, offering unlimited 2% cash rewards on purchases and a $200 bonus after spending $1,000 in the first three months. In contrast, Discover it Miles is ideal for travel enthusiasts, with unlimited 1.5X miles on all purchases and a unique first-year mile-for-mile match for new cardmembers.

You might prefer the Discover it® Miles if: You value simplicity in your rewards program and are attracted to the unique first-year reward match offered by Discover. This card automatically earns you an unlimited 1.5X miles on every dollar spent on all purchases. At the end of your first year, Discover matches all the miles you've earned, doubling your rewards for that year. This could be particularly advantageous if you plan on making a significant number of purchases with your card during the first year. Additionally, with no annual fee and a forgiving policy on the first late payment, it's a solid choice for those who want a straightforward rewards card with a generous introductory offer.

You might prefer the Wells Fargo Active Cash® Card if: You're looking for a card that offers a higher rate of cash back on all purchases and a substantial welcome bonus. With an unlimited 2% cash reward on purchases and a $200 cash rewards bonus after you spend $1,000 in purchases in the first three months, this card offers immediate and consistent value. The Wells Fargo Active Cash® Card also boasts no annual fee and a competitive 0% intro APR period for 15 months on both purchases and balance transfers, making it a compelling option for those who want to maximize their cash back earnings and potentially pay down other credit card balances.

The Discover it Miles card boasts a solid MoneyGeek balance transfer card rating of 3.5 out of 5, reflecting its potential as a travel rewards card. With no annual fee, this card is tailored for those who enjoy earning travel rewards on every purchase. Cardholders automatically earn an unlimited 1.5X miles for every dollar spent, which can be redeemed for travel expenses, making it a straightforward choice for everyday spending.

A standout feature is the first-year mile-for-mile match, effectively doubling the rewards you earn in your first year. Regular APRs range between 17.24% and 28.24% variable, and there are no fees for foreign transactions, making it a cost-effective option for international travelers.

The Wells Fargo Active Cash Card, with a MoneyGeek balance transfer score of 3.8 out of 5, is a strong contender for those seeking straightforward cash rewards. It boasts a no-annual-fee structure and a welcome bonus, making it an attractive option for cost-conscious consumers. This card is particularly beneficial for individuals who prefer a simple rewards program, offering unlimited 2% cash rewards on purchases.

With an expected reward value of $602 and an effective reward rate of 2%, it's clear why this card is a favorite among those who value uncomplicated cash back on their spending. The recommended credit range for potential cardholders is between 670 and 850, indicating that it is best suited for individuals with good to excellent credit.

Our breakdown will help you compare APRs, fees, required credit, rewards, introductory offers and other features of the Discover it® Miles and Wells Fargo Active Cash® Card. By examining these aspects side by side, you can identify which card aligns with your spending habits and financial goals.