Wells Fargo Reflect® Card
vs. Discover it® Cash Back Card

Updated: April 22, 2024

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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® Cash Back Card. The Wells Fargo Reflect® Card is ideal for those needing a lengthy 0% APR window for purchases and balance transfers, with a 21-month introductory period. In contrast, the Discover it® Cash Back Card is tailored for individuals seeking to maximize rewards, offering 5% cash back in rotating categories and a cash back match at the end of the first year. Depending on whether you prioritize saving on interest or earning rewards, one card will likely suit your needs better than the other.

Credit Card logo for Wells Fargo Reflect® Card
Wells Fargo Reflect® Card
Credit Card logo for Discover it® Cash Back Card
Discover it® Cash Back Card
MoneyGeek Rating
5/ of 5
MoneyGeek Rating
5/ of 5

  • Regular APR
    18.24%, 24.74%, or 29.99% variable
    17.24%–28.24% variable
    0% APR Offer
    0% for 21 months on purchases
    0% intro APR for 15 months
    Balance Transfer Offer
    0% for 21 months on balance transfers
    0% intro APR for 15 months
    Annual Fee
    $0
    $0
    Rewards Summary
    -
    Earn 1%–5% cash back
    Recommended Credit
    670-850 (Good to Excellent)
    670–850 (Good to Excellent)
    Not sure?

Wells Fargo Reflect® Card vs. Discover it® Cash Back Card: Which Is Better for You?

You might prefer the Wells Fargo Reflect® Card if: You're looking for a card that offers a lengthy introductory APR period. With a 0% intro APR for 21 months on both purchases and balance transfers, this card can be a powerful tool for managing existing debt or planning a large purchase that you intend to pay off over time. The absence of an annual fee and a late fee of up to $40 align with industry standards, making it a cost-effective choice for those with good to excellent credit who prioritize saving on interest over earning rewards.

You might prefer the Discover it® Cash Back Card if: Earning rewards on your spending is important to you. This card offers 5% cash back on up to $1,500 in combined quarterly purchases in bonus categories upon activation, which can add up significantly over time. Additionally, Discover's unique first-year cash back match can double the rewards you earn in the first year, effectively boosting your cash back rate. With no annual fee and a 0% intro APR for 15 months on purchases and balance transfers, it's a competitive option for those who can take advantage of the rotating rewards categories and have a credit score in the good to excellent range.

MoneyGeek's Take on the Wells Fargo Reflect® Card

The Wells Fargo Reflect Card earns a perfect MoneyGeek balance transfer card rating of 5 out of 5, indicating its top-tier status for those looking to manage existing debt. With an extended 21-month 0% intro APR on both balance transfers and purchases, this card is a standout choice for individuals seeking to minimize interest costs on their financial journey.

The card caters to consumers with good to excellent credit, recommended in the range of 670 to 850. No annual fee further sweetens the deal, making it a cost-effective option for savvy cardholders. While it doesn't offer rewards or cash back, the Wells Fargo Reflect Card is a powerful tool for those focused on paying down balances without the distraction of chasing rewards.

Wells Fargo Reflect® Card
Credit Card logo for Wells Fargo Reflect® Card
MoneyGeek Rating
5/ of 5

Regular APR18.24%, 24.74%, or 29.99% variable
0% APR Offer0% for 21 months on purchases
Balance Transfer Offer0% for 21 months on balance transfers
Rewards SummaryN/A
Recommended Credit670-850 (Good to Excellent)

MoneyGeek's Take on the Discover it® Cash Back Card

The Discover it Cash Back Card, issued by Discover Bank, earns a MoneyGeek balance transfer score of 3.4 out of 5, reflecting its competitive position among balance transfer cards. With a $0 annual fee and an introductory offer that matches all cash back earned at the end of the first year, this card is a strong contender for those looking to maximize rewards.

The card is particularly beneficial for individuals who make regular purchases in rotating bonus categories, offering 5% cash back on up to $1,500 in combined purchases each quarter. Additionally, cardholders can take advantage of a 0% intro APR for 15 months on both purchases and balance transfers, providing a window for interest-free payments. The recommended credit score for potential cardholders is between 670 and 850, categorizing it as suitable for those with good to excellent credit.

Discover it® Cash Back Card
Credit Card logo for Discover it® Cash Back Card
MoneyGeek Rating
3.8/ of 5

Regular APR17.24%–28.24% variable
0% APR Offer0% intro APR for 15 months
Balance Transfer Offer0% intro APR for 15 months
Rewards SummaryEarn 1%–5% cash back
Recommended Credit670–850 (Good to Excellent)

Details Comparison: Wells Fargo Reflect® Card vs. Discover it® Cash Back Card

Our breakdown will help you compare APRs, fees, required credit, rewards, introductory offers, and other features of the Wells Fargo Reflect Card and Discover it Cash Back Card. Use this section to align each card's offerings with your financial habits and goals.

    discount icon

    Regular APR

    The Discover it® Cash Back Card offers a lower starting APR of 17.24% compared to the Wells Fargo Reflect® Card's starting APR of 18.24%, making it slightly better for those concerned with regular APR.

    annualFee icon

    Annual Fee

    Both the Wells Fargo Reflect® Card and the Discover it® Cash Back Card have a $0 annual fee. This makes them equally appealing for individuals looking to minimize costs associated with credit cards.

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    Introductory 0% APRs

    The Wells Fargo Reflect Card is better for those seeking a longer introductory 0% APR period. The Discover it Cash Back Card offers a 0% intro APR for 15 months on purchases and balance transfers, while the Wells Fargo Reflect Card extends this offer to 21 months for both. However, it's important to note the balance transfer fees: a 3% intro fee for Discover it Cash Back Card, up to 5% on future transfers, and a flat 5% fee for Wells Fargo Reflect Card.

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    Rewards

    The Discover it® Cash Back Card is better for rewards, offering 5% cash back on up to $1,500 in combined quarterly purchases in various categories upon activation, and 1% on all other purchases. The Wells Fargo Reflect® Card does not offer cash back, miles or points rewards.

    rewards icon

    Welcome Offers

    The Discover it® Cash Back Card is better for welcome offers due to its unique match of all cash back earned at the end of the first year, with no such offer available for the Wells Fargo Reflect® Card.

    creditApproved icon

    Recommended Credit Score

    Both the Wells Fargo Reflect® Card and the Discover it® Cash Back Card require a credit score between 670 and 850 (good to excellent). This makes neither card better based on the recommended credit score criteria alone.

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    Penalties and Fees

    The Discover it® Cash Back Card is better for penalties and fees, offering no fee for the first late payment and no foreign transaction fees. Both cards charge the same for cash advances, but the Discover card's more lenient late payment policy and lack of foreign transaction fees provide a slight edge.

    points icon

    Issuer Satisfaction

    The Discover it® Cash Back Card has a slight edge with a rating of 4.5 from Discover Bank, compared to the Wells Fargo Reflect® Card which is rated at 4.0 by Wells Fargo Bank.

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    Other Features & Perks

    For cardholders looking for unique benefits, the Discover it® Cash Back Card offers a compelling perk with its first-year cash back match, which is not matched by the Wells Fargo Reflect® Card.

FAQ: Wells Fargo Reflect® Card vs. Discover it® Cash Back Card

What are the main differences in rewards between the Wells Fargo Reflect® Card and the Discover it® Cash Back Card?
How do the introductory APR offers for purchases compare between the two cards?
Are there any differences in balance transfer fees between the Wells Fargo Reflect® Card and the Discover it® Cash Back Card?
What should I consider regarding issuer satisfaction ratings when choosing between these cards?
Can you explain the late fee policies for both cards?

About Doug Milnes, CFA


Doug Milnes, CFA headshot

Doug Milnes is a CFA charter holder with over 10 years of experience in corporate finance and the Head of Credit Cards at MoneyGeek. Formerly, he performed valuations for Duff and Phelps and financial planning and analysis for various companies. His analysis has been cited by U.S. News and World Report, The Hill, the Los Angeles Times, The New York Times and many other outlets.

Milnes holds a master’s degree in data science from Northwestern University. He geeks out on helping people feel on top of their credit card use, from managing debt to optimizing rewards.


*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
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