Head-to-head · 🇺🇸 United States
Discover it Cash Back vs Wells Fargo Bilt Mastercard
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
US
Discover
Discover it Cash Back
Discover
Wins 1 of 10
US
Wells Fargo
Wells Fargo Bilt Mastercard
Wins 1 of 10
Verdict
It's a true tie — neither dominates. Pick the one whose boost categories match where you actually spend.
Side-by-side
| Criterion | Discover it Cash Back | Wells Fargo Bilt Mastercard |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 5% (shopping) | · 3% (travel) |
| Base reward rate | = 1% | = 1% |
| Forex markup | · 1% | No FX fee |
| Welcome bonus | = Cashback Match — Discover doubles your first-year cashback automatically | = No welcome bonus — value lives in rent payments |
| Fee waiver threshold | = N/A (no fee) | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | = 670 | = 670 |
| Editorial rating | = 4.5/5 | = 4.5/5 |
Benefits compared
Discover it Cash Back
- 5% cashback on rotating quarterly categories (Amazon, gas, restaurants, grocery)
- 1% cashback on everything else
- Cashback Match: Discover matches all cash back earned in your first year
- No annual fee
- Free FICO score on every statement
- No foreign transaction fees
Wells Fargo Bilt Mastercard
- 1x points on rent (up to 100K points/year, no transaction fee)
- 3x on dining
- 2x on travel
- 1x on everything else
- Transfer to 14 airline + hotel partners
- No annual fee, no foreign transaction fees
FAQ
›Discover it Cash Back vs Wells Fargo Bilt Mastercard: which is better?
It's a true tie — pick the one whose boost categories match your spend. Discover it Cash Back wins on 1 criteria, Wells Fargo Bilt Mastercard on 1.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Discover it Cash Back for its best categories, Wells Fargo Bilt Mastercard for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Discover it Cash Back: Cashback Match — Discover doubles your first-year cashback automatically. Wells Fargo Bilt Mastercard: No welcome bonus — value lives in rent payments.