Discover it Cash Back vs Wells Fargo Reflect
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Discover it Cash Back wins 3-0. Rotating-category optimizers; first card for thin-credit-file applicants Wells Fargo Reflect is still the right call if 21-month 0% intro apr — best balance-transfer card on the market..
Side-by-side
| Criterion | Discover it Cash Back | Wells Fargo Reflect |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 5% (shopping) | · 1% (general) |
| Base reward rate | = 1% | = 1% |
| Forex markup | 1% | · 3% |
| Welcome bonus | = Cashback Match — Discover doubles your first-year cashback automatically | = No welcome bonus — value is the long 0% APR |
| Fee waiver threshold | = N/A (no fee) | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | = 670 | = 670 |
| Editorial rating | 4.5/5 | · 4.3/5 |
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 Reflect
- 0% intro APR for 21 months on purchases + balance transfers
- 1% cashback on rotating bonuses (rare for Wells Fargo)
- Cell phone protection
- No annual fee
FAQ
›Discover it Cash Back vs Wells Fargo Reflect: which is better?
Discover it Cash Back wins on more dimensions (3 vs 0). But the right answer depends on your specific spending pattern — see the calculator below.
›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 Reflect 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 Reflect: No welcome bonus — value is the long 0% APR.