Wells Fargo Reflect® Card
vs. Discover it® Cash Back Card

The Wells Fargo Reflect card and the Discover it Cash Back card both offer compelling introductory APR periods, making them strong contenders for anyone looking to manage existing credit card debt or finance new purchases without immediate interest. However, if you're leaning towards maximizing savings on interest, the Wells Fargo Reflect edges out with its longer 21-month 0% intro APR offer on both purchases and balance transfers.

On the other hand, the Discover it Cash Back offers 5% cash back on rotating categories and a unique first-year cash back match. While the Wells Fargo Reflect may not offer rewards, its longer intro APR period and added benefits like cell phone protection make it helpful for those prioritizing debt management over rewards.

You might prefer the Wells Fargo Reflect if you're planning significant purchases or want to manage existing debt with a generous 0% intro APR period. Its 21-month interest-free window on purchases and balance transfers saves on interest charges, making it a strong choice for financial flexibility without the distraction of rewards. Additionally, the cell phone protection is a valuable perk.

You might prefer the Discover it Cash Back if you enjoy maximizing cash back rewards on everyday spending. With its 5% cash back on rotating categories and an unmatched first-year cash back match, this card is tailored for those who actively manage their credit card usage to optimize rewards. The introductory 0% APR for 15 months on purchases and balance transfers is also beneficial for those who may have some upcoming expenses or small balances to transfer.

Evaluating APRs, fees, credit requirements, rewards and other features will show which card aligns with your financial needs. For instance, if you plan to carry a balance, Well Fargo Reflect's longer 0% APR period may appeal to you, whereas Discover it Cash Back could be more attractive for maximizing rewards on everyday spending. Use this section to identify which card offers the benefits that matter most to you.

MoneyGeek evaluates credit cards like the Wells Fargo Reflect and Discover it Cash Back using a tailored scoring system. For these cards, the balance transfer score is the most relevant, reflecting their strongest use case.

The two largest factors in this score are the balance transfer offer's attractiveness and the cost of carrying a balance, as indicated by the regular APR. These elements, along with other considerations such as issuer satisfaction and penalties, form a comprehensive assessment. For a deeper understanding of our process, you can review our ranking methodology.