Wells Fargo Reflect® vs. Discover it® Cash Back
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 →WealthSpott Verdict
Wells Fargo Reflect® and Discover it® Cash Back 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® Cash
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 15 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® Cash Back
Pros
- Cashback Match doubles first-year earnings
- 5% rotating categories
Cons
- Quarterly category activation required
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