Wells Fargo Cash Rewards Card
Unlock the doors to extensive rewards and features with the Wells Fargo Cash Rewards Card. Here’s a comprehensive breakdown of what the card offers:
1. Sign-Up Bonus
Earn an impressive $200 cash rewards bonus after making purchases totaling $500 within the first 3 months of acquiring the card.
2. Reward Rate
Enjoy an unlimited 2% cash rewards on all your purchases, with no restrictions.
3. Introductory APR Offer
0% Intro APR:
Benefit from a 0% introductory APR for a span of 15 months from the account’s initiation on purchases and eligible balance transfers. Post this period, a variable APR of 20.24%, 25.24%, or 29.99% will be applicable.
Balance Transfer Benefits:
Any balance transfers made within 120 days of opening the account can avail of the introductory rate and a fee of 3%. After this window, a balance transfer fee of up to 5% is levied, with a minimum charge of $5.
4. Zero Annual Fee
Save more with the card’s $0 annual fee, ensuring more value for your money.
5. Effortless Rewards Tracking
No cumbersome categories to keep tabs on or memorize. Plus, your cash rewards will never expire as long as your account is in active status.
6. Visa Signature Concierge Benefits
Step into a world of luxury with a handpicked assortment of perks at some of the planet’s most distinguished and captivating hotel properties courtesy of Visa Signature Concierge.
7. Cell Phone Protection
Safeguard your mobile phone with up to $600 in protection against unforeseen damage or theft when you settle your monthly cell phone bills with your eligible Wells Fargo card. This benefit is subject to a modest deductible of $25.
Discover Cashback Match™ Credit Card
The Discover Cashback Match™ Credit Card is a blend of rewarding cash back opportunities, proactive security features, and benefits that support credit growth.
1. Matched Cash Back Rewards
Under the introductory offer, Discover generously matches every cash back dollar you earn at the end of your first year. That means doubling your rewards: $50 becomes $100, $100 turns into $200, and so on.
Benefit from 5% cash back on everyday purchases at various places each quarter. This includes popular spots like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum. Remember to activate to capture these rates. For all other purchases, enjoy an unlimited 1% cash back – it’s automatic!
2. Inclusive Application Process
Discover doesn’t set a credit score as a prerequisite for applying. It’s an inclusive card option designed to welcome a broad spectrum of applicants.
3. Protective Security Features
In today’s digital age, protecting your personal information is crucial. Discover stands by you in this by offering a free service that helps remove your personal data from specific online directories that might sell it. Activate this feature seamlessly using the mobile app.
4. Transparent Fee Structure
Zero Annual Fees:
Enjoy the convenience and cost savings of absolutely no annual fees.
Introductory APR Offer:
Avail a 0% introductory APR on your purchases for the first 6 months. After this period, a standard variable purchase APR ranging between 18.24% and 27.24% comes into effect.
5. Supportive Credit Building
Using the Discover Cashback Match™ Credit Card responsibly can assist in fostering a robust credit history, which is pivotal for future financial endeavors.
Take your credit card experience to new heights with the Discover Cashback Match™ Credit Card, where every dollar you spend finds its rewarding match.
Wells Fargo Active Cash® Card Comparison
|Card Name||Wells Fargo Active Cash® Card||Wells Fargo Reflect® Card|
|Card Annual Fee||$0||$0|
|Card Intro Offer||$200||No value|
|Card Rewards Rate||2% Cashback||No value|
|Card Recommended Credit Score||690-850(Good – Excellent)||700 – 749(Good – Excellent)|
|Card Summary||Best for: Cash back — high flat rate + incentives||Best for: Balance Transfer For Long Payment Window|