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Discover it Cash Back vs Wells Fargo Active Cash
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Discover it Cash BackDiscover | Wells Fargo Active CashWells Fargo |
|---|---|---|
| Rating | 4.4/5 | 4.5/5 |
| Annual Fee | $0 | $0 |
| APR | 17.49% - 26.49% | 18.49% - 28.49% |
| Signup Bonus | Cashback Match — unlimited dollar-for-dollar match of all cash back earned in first year | $200 cash rewards bonus after spending $500 in 3 months |
| Rewards Rate | 5% on rotating quarterly categories (up to $1,500/quarter, activation required), 1% on everything else | 2% cash rewards on all purchases |
| Credit Score | good | good |
| Pros | First-year Cashback Match doubles all rewards $0 annual fee 5% rotating categories can be very lucrative | Flat 2% cash rewards on all purchases with no categories to track $0 annual fee with a $200 welcome bonus 0% intro APR for 12 months on purchases and balance transfers |
| Cons | Must activate quarterly categories $1,500 quarterly cap on 5% categories Discover not accepted as widely as Visa/Mastercard | 3% foreign transaction fee Requires a Wells Fargo relationship for best experience No bonus categories beyond the flat 2% |
| View Details → | View Details → |
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Verdict
Our Pick: Wells Fargo Active Cash
With a 4.5/5 rating, the Wells Fargo Active Cash edges out the Discover it Cash Back (4.4/5). No annual fee makes it easy to justify. The Wells Fargo Active Cash is one of the strongest no-fee 2% cash back cards available. With a solid signup bonus and intro APR offer, it competes head-to-head with the Citi Double Cash while adding balance transfer flexibility.