Discover it® Secured Credit Card vs. Wells Fargo Active Cash®
Side-by-side comparison · Updated 2026 · Independently reviewed
Discover it® Secured Credit Card
Discover
4.5
Secured card that earns 2% at gas and restaurants (up to $1,000/quarter). Cashback Match year one.
Full review →
Wells Fargo Active Cash®
Wells Fargo
4.6
Unlimited 2% cash back. $200 bonus. No annual fee.
Full review →WealthSpott Verdict
Wells Fargo Active Cash® wins on more measurable categories — particularly annual cost. Discover it® Secured Credit Card may still win for your wallet depending on your spending patterns.
Feature
Discover it® Secured
Wells Fargo Active
Annual Fee
$0
$0
Sign-up Bonus
Cashback Match
$200
Rewards Rate
1%-2%
2%
Rewards Type
Cash Back
Cash Back
0% Intro APR
N/A
0% for 15 months
Regular APR
28.24% Variable
19.49%-29.49% Variable Best
Foreign Transaction Fee
Yes
Yes
Recommended Credit Score
300-669
670-850
Discover it® Secured Credit Card
Pros
- Earns rewards while building credit
- Cashback Match first year
Cons
- Requires refundable security deposit
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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