Wells Fargo Reflect® Card
vs. Discover it® Chrome

If you're looking for a credit card with a generous introductory APR period and no annual fee, you may be considering the Wells Fargo Reflect® Card and the Discover it® Chrome. The Wells Fargo Reflect® Card is the better choice for extended interest savings, offering a 0% intro APR for 21 months on purchases and balance transfers.

However, if earning rewards is a priority, the Discover it® Chrome stands out with 2% cash back at gas stations and restaurants and a unique first-year cash back match. Choose the Wells Fargo Reflect® Card for the longest interest-free period or opt for the Discover it® Chrome for rewards and cash back bonuses.

You might prefer the Wells Fargo Reflect® Card if: If you're looking for a lengthy period to pay off your balances without incurring interest. With a 0% intro APR for 21 months on both purchases and balance transfers, this card stands out for those who have existing debt or plan to make large purchases and need an extended time to pay them off. The Reflect® Card is also a solid choice if you prefer simplicity over rewards, as it doesn't offer cash back or points but focuses on saving you money on interest charges.

You might prefer the Discover it® Chrome if: If earning rewards on your everyday spending is important to you. This card offers 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter and an unlimited 1% cash back on all other purchases. Additionally, Discover it® Chrome has an attractive introductory offer where they match all the cash back you've earned at the end of your first year, which can significantly boost your rewards.

The Wells Fargo Reflect® Card is a standout choice for those looking to manage existing debt or finance new purchases without incurring interest for an extended period. With an impressive 21-month 0% intro APR on both balance transfers and purchases, it provides one of the longest breathing spaces from interest among credit cards, making it an excellent tool for strategic financial planning.

This card is particularly well-suited for individuals who are not seeking rewards but prioritize a long introductory APR offer. The card also boasts a $0 annual fee, but it does not offer any form of rewards or cash back.

The Discover it® Chrome card is a solid choice for those who value simplicity and rewards. With no annual fees and a cash back program that offers up to 2% at gas stations and restaurants on up to $1,000 in combined purchases each quarter, this card is tailored for everyday spending.

The card's introductory offers include a 0% intro APR for 15 months on both purchases and balance transfers, making it a smart option for managing existing debt or new purchases. Additionally, the card's unique Cashback Match feature doubles the rewards you earn in your first year, providing an extra incentive for new cardholders.

Recommended for individuals with a credit score ranging from 670 to 850, the Discover it® Chrome card is well-suited for those with good to excellent credit looking to maximize their rewards without paying an annual fee.

Our breakdown will help compare APRs, fees, required credit, rewards, introductory offers and other features of the Wells Fargo Reflect® Card and Discover it® Chrome. By examining these aspects side by side, you can identify which card aligns with your financial habits, whether you prioritize a longer introductory APR period or cash back rewards.

For instance, if you're planning a significant purchase, the Wells Fargo Reflect® Card's extended 0% APR period might be appealing. Conversely, if you frequently spend on gas and dining, the Discover it® Chrome's cash back rewards could sway your decision.