Not credit advice. Facts and math from issuer pages and the CFPB, each with its date. Offers change; approval depends on your credit. Verify on the issuer's site.
Rubric: Discover it Cash Back leads by 18.2 pts. Scores: Discover it Cash Back 73.6%, Wells Fargo Reflect 55.4%.
At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): Discover it Cash Back nets $230/yr, Wells Fargo Reflect nets $0/yr after annual fees. Use your own numbers →
Late feeup to $41 up to; $0.00 for first occurrence; $30.00 if not charged a late fee within last six billing cycles; $41.00 otherwise files.consumerfinance.gov, 2025-12-31
⚠ Late fee up to $41 · Rotating 5% quarterly categories need activation and change each quarter; not modeled (we count the 1% base). First-year Cashback Match not counted.
Annual fee $0APR 17.74%–28.49% variableRewards No rewards program shownCredit 620–719, 720+ (CFPB TCCP targeted tiers)
⚠ 3% foreign transaction fee · APR up to 28.49% if you carry a balance
No paid placement. No issuer pays VaultRubric for inclusion or rank; links go to the issuer's own page. Ranks come only from the published rubric below.
FAQ
Which is better, Discover it Cash Back or Wells Fargo Reflect?
On VaultRubric's rubric: Discover it Cash Back scores higher. The better card for you depends on where you spend; the calculator shows net value for your spending.
Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.