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Discover it Secured Credit Card vs Wells Fargo Reflect Card
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Discover it Secured Credit CardDiscover | Wells Fargo Reflect CardWells Fargo |
|---|---|---|
| Rating | 4.1/5 | 4/5 |
| Annual Fee | $0 | $0 |
| APR | 26.49% | 17.49% - 28.24% |
| Signup Bonus | Cashback Match — unlimited dollar-for-dollar match of all cash back earned in first year | None |
| Rewards Rate | 2% at gas stations and restaurants (up to $1,000/quarter), 1% on everything else | No rewards — this is a 0% intro APR card for balance transfers and purchases |
| Credit Score | poor | good |
| Pros | Earn cash back rewards even while building credit — rare for a secured card Cashback Match doubles all rewards in year one No annual fee and automatic review for upgrade to unsecured card | 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 | Requires refundable security deposit ($200 minimum) High 26.49% APR Discover not accepted as widely as Visa/Mastercard | 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 Secured Credit Card
With a 4.1/5 rating, the Discover it Secured Credit Card edges out the Wells Fargo Reflect Card (4/5). No annual fee makes it easy to justify. The Discover it Secured is the best card for building or rebuilding credit. Unlike most secured cards, it earns real cash back rewards with a first-year Cashback Match, plus no annual fee and automatic upgrade reviews.