Wells Fargo Active Cash vs Discover It Miles
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Wells Fargo Active Cash wins 3-1. No-fee 2% flat — competitive with Citi Double Cash. Discover It Miles is still the right call if no-fee flat travel earn — first-year doubled effectively makes it 3x..
Side-by-side
| Criterion | Wells Fargo Active Cash | Discover It Miles |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 2% (general) | · 1.5% (general) |
| Base reward rate | 2% | · 1.5% |
| Forex markup | · 3% | No FX fee |
| Welcome bonus | = $200 cashback after $500 in first 3 months | = Discover doubles all miles earned in your first year (Mile Match) |
| Fee waiver threshold | = N/A (no fee) | = N/A (no fee) |
| Min income | = — | = — |
| Min credit score | = 670 | = 670 |
| Editorial rating | 4.5/5 | · 4.4/5 |
Benefits compared
Wells Fargo Active Cash
- 2% unlimited cashback on every purchase
- No annual fee
- 0% intro APR for 12 months
- Cell phone protection (up to $600/claim)
- Visa Signature concierge
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
FAQ
›Wells Fargo Active Cash vs Discover It Miles: which is better?
Wells Fargo Active Cash wins on more dimensions (3 vs 1). 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 Wells Fargo Active Cash for its best categories, Discover It Miles for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Wells Fargo Active Cash: $200 cashback after $500 in first 3 months. Discover It Miles: Discover doubles all miles earned in your first year (Mile Match).