Discover It Miles vs Wells Fargo Reflect
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Discover It Miles wins 4-0. No-fee flat travel earn — first-year doubled effectively makes it 3x. 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 Miles | Wells Fargo Reflect |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 1.5% (general) | · 1% (general) |
| Base reward rate | 1.5% | · 1% |
| Forex markup | No FX fee | · 3% |
| Welcome bonus | = Discover doubles all miles earned in your first year (Mile Match) | = 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 | 4.4/5 | · 4.3/5 |
Benefits compared
Discover It Miles
- 1.5x miles on every purchase
- Discover Mile Match: doubles all miles earned in year 1
- Redeem against any travel purchase
- No annual fee, no foreign transaction fees
- Free FICO score
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 Miles vs Wells Fargo Reflect: which is better?
Discover It Miles wins on more dimensions (4 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 Miles 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 Miles: Discover doubles all miles earned in your first year (Mile Match). Wells Fargo Reflect: No welcome bonus — value is the long 0% APR.