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Wells Fargo Active Cash vs Discover it Cash Back

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 13.5 pts. Scores: Wells Fargo Active Cash 61.9%, Discover it Cash Back 75.4%.

At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): Wells Fargo Active Cash nets $461/yr, Discover it Cash Back nets $230/yr after annual fees. Use your own numbers →

Criterion scores (0–10)

• Annual feeCash: 10.0 · Back: 10.0
• Rewards rateCash: 8.0 · Back: 6.0
• Sign-up bonusCash: 1.3 · Back: n/a
• Intro 0% APRCash: 5.7 · Back: 7.1
• Regular APRCash: 7.3 · Back: 8.4
• Foreign transaction feeCash: 3.0 · Back: 10.0
• Regulatory record (CFPB)Cash: 8.0 · Back: 10.0

Downsides

• Wells Fargo Active Cash61.9%
  Wells Fargo · cash back
  Annual fee $0APR 18.74%–28.74% variableRewards Unlimited 2% cash rewards on purchasesCredit 620–719, 720+ (CFPB TCCP targeted tiers)

  ⚠ 3% foreign transaction fee · APR up to 28.74% if you carry a balance

• Discover it Cash Back75.4%
  Discover (Capital One) · cash back
  Annual fee $0APR 17.74%–26.74% variableRewards 5% rotating quarterly categories (activation, quarterly max); 1% other; first-year Cashback MatchCredit 620–719, 720+ (CFPB TCCP targeted tiers)

  ⚠ 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.

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, Wells Fargo Active Cash or Discover it Cash Back?

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.