Compare · head to head

Discover it® Cash Back vs Wells Fargo Active Cash

Side by side on the numbers that decide it. The money8020 Score already weighs these — this is the receipts.

	money8020 pick D Discover it® Cash Back Discover 99/100	WF Wells Fargo Active Cash Wells Fargo 94/100
Tier	Essential	Essential
Rewards rate	1%–5%	2%
Annual fee	$0	$0
Regular APR	17.49%–26.49%	0% for 12 months
Bonus	$200	18.49%–28.49%
Annual fee	$0	$0
Best for	Cardholders who want cash back that fits their spending	People who want the highest flat cash-back rate with no categories
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Which should you choose: the Discover it® Cash Back or the Wells Fargo Active Cash?

The Discover it® Cash Back is the stronger pick of the two, with a money8020 score of 99/100 versus 94. Choose the Wells Fargo Active Cash instead if people who want the highest flat cash-back rate with no categories.

On rewards rate, the Discover it® Cash Back shows 1%–5% versus the Wells Fargo Active Cash's 2%. On regular APR, the Discover it® Cash Back shows 17.49%–26.49% versus the Wells Fargo Active Cash's 0% for 12 months. On bonus, the Discover it® Cash Back shows $200 versus the Wells Fargo Active Cash's 18.49%–28.49%. Both figures are reflected in the money8020 score above; confirm current terms with each provider before deciding. This is not financial advice.

FAQ

Discover it® Cash Back vs Wells Fargo Active Cash: FAQ

Is the Discover it® Cash Back or the Wells Fargo Active Cash better?

By our scoring, the Discover it® Cash Back edges ahead with a money8020 score of 99/100 versus 94. The Wells Fargo Active Cash can still be the better fit if people who want the highest flat cash-back rate with no categories.

What is the main difference between the Discover it® Cash Back and the Wells Fargo Active Cash?

On rewards rate, the Discover it® Cash Back offers 1%–5% while the Wells Fargo Active Cash offers 2%. Review the full table above and confirm current terms with each provider. This is not financial advice.