Discover it® Cash Back vs. Wells Fargo Active Cash®
Side-by-side comparison · Updated 2026 · Independently reviewed
Discover it® Cash Back
Discover
4.5
5% rotating categories. Cashback Match at end of first year.
Full review →
Wells Fargo Active Cash®
Wells Fargo
4.6
Unlimited 2% cash back. $200 bonus. No annual fee.
Full review →WealthSpott Verdict
Discover it® Cash Back wins on more measurable categories — particularly annual cost. Wells Fargo Active Cash® may still win for your wallet depending on how you spend.
Feature
Discover it® Cash
Wells Fargo Active
Annual Fee
$0
$0
Sign-up Bonus
Cashback Match
$200
Rewards Rate
1%-5%
2%
Rewards Type
Cash Back
Cash Back
0% Intro APR
0% for 15 months
0% for 15 months
Regular APR
18.24%-28.24% Variable Best
19.49%-29.49% Variable
Foreign Transaction Fee
Yes
Yes
Recommended Credit Score
670-850
670-850
Discover it® Cash Back
Pros
- Cashback Match doubles first-year earnings
- 5% rotating categories
Cons
- Quarterly category activation required
Wells Fargo Active Cash®
Pros
- 2% cash back on all purchases
- $200 sign-up bonus
- No annual fee
- 0% intro APR for 15 months
Cons
- 3% foreign transaction fee
- No bonus categories for heavy spenders
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