Wells Fargo Active Cash® Card VS Discover it® Student Chrome

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

Cash Rewards:

Earn an impressive $200 cash rewards bonus after making purchases totaling $500 within the first 3 months of acquiring the card.

2. Reward Rate

Unlimited Earnings:

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 EmpowerPlus™ Credit Card

This card is designed to empower you with unique benefits, providing a seamless blend of rewards and security.

1. Introductory Offer That Truly Stands Out

Unlimited Cashback Match:

Experience Discover’s exclusive Unlimited Cashback Match. At the end of your first year, Discover will automatically match every bit of cash back you’ve earned. Transform $50 cash back into $100 or double $100 to $200. No limits. No minimum spends. Just pure, dollar-for-dollar match, making your rewards twice as sweet.

2. Rewarding Every Spend

Specialized Cash Back:

Earn an impressive 2% cash back at Gas Stations and Restaurants, applicable on up to $1,000 in combined purchases each quarter. Whether it’s refueling or dining out, maximize your returns.

All Other Purchases:

Enjoy the simplicity of earning unlimited 1% cash back on all other purchases, automatically. No need to track or opt-in – it’s that easy.

3. Credit Building

No Credit Score Hurdles:

Applying for the EmpowerPlus™ card does not require a specific credit score, making it accessible to a wide range of applicants.

Credit Enhancement:

Build and enhance your credit score with responsible usage, setting the foundation for a stronger financial future.

4. Safety and Security

Online Information Protection:

Discover’s unique offering can help diminish the exposure of your personal information online. With the assistance of Discover, you can remove your data from certain people-search websites that might potentially sell your information. Ensure your online privacy without any costs. Activate this feature effortlessly with the Discover mobile app.

5. Transparent Fee Structure & Offerings

No Annual Fee:

Enjoy all the EmpowerPlus™ benefits without the burden of an annual fee.

Introductory APR Offer:

Benefit from a 0% introductory APR on purchases for the initial 6 months. Subsequently, a variable purchase APR ranging from 18.24% to 27.24% will apply.

With the Discover EmpowerPlus™ Credit Card, dive into a world where rewards meet convenience, and security meets simplicity. Empower your spending and enhance your credit journey today!

Wells Fargo Active Cash® Card Comparison