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Discover it Miles vs Wells Fargo Reflect Card
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Discover it MilesDiscover | Wells Fargo Reflect CardWells Fargo |
|---|---|---|
| Rating | 4.2/5 | 4/5 |
| Annual Fee | $0 | $0 |
| APR | 17.49% - 26.49% | 17.49% - 28.24% |
| Signup Bonus | Unlimited Mile-for-Mile match for all miles earned in first year | None |
| Rewards Rate | 1.5X miles on every purchase | No rewards — this is a 0% intro APR card for balance transfers and purchases |
| Credit Score | good | good |
| Pros | First-year Miles Match doubles all rewards to effectively 3X $0 annual fee and no foreign transaction fees 0% intro APR for 15 months on purchases and balance transfers | 0% intro APR for 21 months on purchases and balance transfers — longest on the market $0 annual fee Cell phone protection up to $600 per claim |
| Cons | 1.5X base rate is average after first year Discover not accepted as widely internationally No transfer partners or premium travel perks | No rewards program at all Balance transfer fee applies No signup bonus |
| View Details → | View Details → |
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Verdict
Our Pick: Discover it Miles
With a 4.2/5 rating, the Discover it Miles edges out the Wells Fargo Reflect Card (4/5). No annual fee makes it easy to justify. The Discover it Miles is a simple, no-fee travel card that shines in year one thanks to the Miles Match. Earn effectively 3X on everything for 12 months, then a solid 1.5X ongoing. Great for new cardholders who want travel flexibility.