Wells Fargo Reflect® Card
vs. Discover it® Miles

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 Miles. The Wells Fargo Reflect Card is better for those seeking to minimize interest on purchases or balance transfers for a longer period, offering 0% APR for 21 months. In contrast, Discover it Miles is ideal for individuals who want to earn rewards, providing 1.5X miles on all purchases and a unique first-year Mile-for-Mile match. Choose the Wells Fargo Reflect Card for the longest interest-free period, or opt for Discover it Miles to accumulate travel rewards.

You might prefer the Wells Fargo Reflect® Card if: You're planning significant purchases or want to transfer balances and would benefit from a lengthy introductory APR period. This card offers a 0% intro APR for 21 months on both purchases and balance transfers, which can provide substantial savings on interest and help manage debt more effectively. With no annual fee and a recommended credit score range between 670 and 850, it's a strong contender for those with good to excellent credit who need a financial breather to pay down their balances.

You might prefer the Discover it® Miles if: You're looking for a card that rewards your spending. With the Discover it® Miles card, you'll earn 1.5 miles for every dollar spent, and as a bonus, Discover matches all the miles you've earned at the end of your first year. This could translate to a significant reward, especially for frequent spenders. The card also boasts a $0 annual fee and requires a good to excellent credit score, making it accessible to many consumers. If you want to turn everyday purchases into travel opportunities or cash back, this card could enrich your spending experience.

The Wells Fargo Reflect Card earns a perfect score of 5 out of 5 in MoneyGeek's balance transfer card rating, reflecting its exceptional offering in this category. With a 0% intro APR on balance transfers and purchases for a lengthy 21 months, this card is tailored for individuals looking to consolidate debt or finance large purchases without the immediate burden of interest. The card demands no annual fee and is best suited for those with a good to excellent credit score (670–850), ensuring accessibility to a broad range of consumers. While it doesn't offer rewards or cash back, the Wells Fargo Reflect Card is a strategic choice for anyone seeking to minimize interest expenses and manage existing debt more effectively.

The Discover it® Miles card, issued by Discover Bank, holds a MoneyGeek balance transfer score of 3.5 out of 5. It's a card that caters to those who appreciate simplicity in earning rewards, with an effective reward rate of about 3.6%. With no annual fee, this card is a strong contender for cost-conscious consumers.

The Discover it® Miles is particularly well-suited for individuals with a good to excellent credit score, ranging between 670 and 850, who are looking for a straightforward rewards program without the complexity of bonus categories. Cardholders can expect an estimated reward value of $451, making it a potentially lucrative option for everyday spending. The card's introductory offer, Discover Match®, amplifies the appeal by matching all the miles earned at the end of the first year, effectively doubling the rewards for new cardholders.

Our breakdown will help compare APRs, fees, required credit, rewards, introductory offers and other features. This section serves as a tool for you to gauge which card aligns with your financial habits and goals. By examining each card's offerings, you can pinpoint the one that best suits your lifestyle.