Wells Fargo Reflect® vs. Discover it® Balance Transfer
Side-by-side comparison · Updated 2026 · Independently reviewed
Discover it® Balance Transfer
Discover
4.3
0% intro APR on balance transfers for 18 months.
Full review →WealthSpott Verdict
Wells Fargo Reflect® and Discover it® Balance Transfer are closely matched. The right choice depends on your top spending categories and whether you'll use each card's perks.
Feature
Wells Fargo Reflect®
Discover it® Balance
Annual Fee
$0
$0
Sign-up Bonus
None
Cashback Match
Rewards Rate
0%
1%-5%
Rewards Type
None
Cash Back
0% Intro APR
0% intro APR for up to 21 months
0% for 18 months
Regular APR
18.24%-29.99% Variable
18.24%-28.24% Variable
Foreign Transaction Fee
Yes
Yes
Recommended Credit Score
670-850
670-850
Wells Fargo Reflect®
Pros
- 0% intro APR for up to 21 months
- No annual fee
- Cell phone protection included
Cons
- No rewards program at all
- 3% foreign transaction fee
Discover it® Balance Transfer
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