Updated: August 8, 2024
Advertising & Editorial Disclosure
MoneyGeek partners with leading industry experts and advertisers to help you get to your financial happy place. Our content is accurate when posted but offers may change over time. We may receive compensation for partner advertisements, but our editorial team independently reviews and ranks products. Learn more about our editorial policies.
The Wells Fargo Reflect® Card and the Discover it® Chrome offer attractive introductory APRs and no annual fee. For balance transfers and purchases, the Wells Fargo Reflect provides a 21-month 0% intro APR, which is excellent for managing debt and large purchases.
The Discover it Chrome is better for earning rewards, with up to 2% cash back at gas stations and restaurants and a first-year cashback match.
You might prefer the Wells Fargo Reflect if you need a long introductory APR to manage debt or finance new purchases. Its 21-month 0% APR on balance transfers and purchases can save you a lot on interest. It also offers up to $600 in cellphone protection. However, it doesn't offer rewards, which may be a downside if you want to earn cash back or points.
You might prefer the Discover it Chrome if you want rewards on everyday spending. It offers 2% cash back at gas stations and restaurants, 1% on other purchases and no foreign transaction fees, making it great for dining out and traveling abroad. The Discover it Chrome also matches all cash back earned in the first year.
Evaluating APRs, fees, credit requirements, rewards and other features will help you choose the right card. For example, if you're planning a large purchase, Wells Fargo Reflect's longer 0% intro APR might appeal to you. The Discover it Chrome is better if you want cash back on dining and gas.
Regular APR: Discover it Chrome
The Discover it Chrome is slightly better for those who might carry a balance, with a maximum APR of 28.24% compared to Wells Fargo Reflect's 29.99%.
Annual Fee: Tie
The Wells Fargo Reflect and the Discover it Chrome cards have no annual fee, helping cardholders avoid extra costs.
Introductory 0% APRs: Wells Fargo Reflect
For those prioritizing long introductory 0% APR periods, the Wells Fargo Reflect offers 21 months for purchases and balance transfers compared to Discover it Chrome’s six months for purchases and 18 months for balance transfers.
Rewards: Discover it Chrome
The Discover it Chrome offers 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, plus 1% on all other purchases. Rewards never expire and can be redeemed as gift cards, donations, account credits, direct deposits or Amazon payments. The Wells Fargo Reflect Card doesn't offer any rewards.
Welcome Offers: Discover it Chrome
The Discover it Chrome features an unlimited cashback match for the first year, with no minimum spending or maximum rewards. The Wells Fargo Reflect doesn't offer a welcome bonus.
Recommended Credit Score: Tie
The Wells Fargo Reflect Card and the Discover it Chrome require good to excellent credit scores ranging from 670 to 850.
Penalties and Fees: Discover it Chrome
The Discover it Chrome has no foreign transaction fees, while the Wells Fargo Reflect charges 3% per international transaction. Both cards don't have a penalty APR and charge a 5% balance transfer fee.
Issuer Satisfaction: Discover it Chrome
Customers report higher satisfaction with Discover, the issuer of Discover it Chrome, with a rating of 4.5 compared to Wells Fargo's 4.0.
Other Features and Perks: Tie
The Discover it Chrome offers free overnight card replacement, while the Wells Fargo Reflect provides up to $600 in cellphone protection and personalized cash back offers through My Wells Fargo Deals.
MoneyGeek evaluates cards like the Wells Fargo Reflect and the Discover it Chrome using a tailored scoring system for various use cases, such as balance transfers and cash back. The highest-scoring use case for these cards is balance transfer.
We considered the balance transfer offer quality, introductory APR on purchases, recommended credit profiles and issuer satisfaction ratings. To understand our scoring process better, check out our ranking methodology.
The Discover it Chrome allows earning cash back on gas and dining, while the Wells Fargo Reflect doesn't earn rewards.
The Wells Fargo Reflect offers a longer 0% introductory APR period of 21 months.
The Discover it Chrome has no foreign transaction fees, while the Wells Fargo Reflect charges 3% per international transaction.
The Wells Fargo Reflect doesn't earn points or cash back.
The Discover it Chrome offers an unlimited cashback match offer, while the Wells Fargo Reflect doesn't have a welcome bonus.
About Doug Milnes, CFA
Doug Milnes is a CFA charter holder with over 10 years of experience in corporate finance and the Head of Credit Cards at MoneyGeek. Formerly, he performed valuations for Duff and Phelps and financial planning and analysis for various companies. His analysis has been cited by U.S. News and World Report, The Hill, the Los Angeles Times, The New York Times and many other outlets.
Milnes holds a master’s degree in data science from Northwestern University. He geeks out on helping people feel on top of their credit card use, from managing debt to optimizing rewards.
