Card database → Wells Fargo Active Cash vs Discover it Cash Back
Wells Fargo Active Cash vs Discover it Cash Back
Printed earn rates valued in cents per dollar, side by side — the same math the Credit Upside engine runs on every charge. Card data verified 2026-09-02.
| Category | Wells Fargo Active Cash | Discover it Cash Back |
|---|---|---|
| Dining | 2.0¢/$ (2%) | 1.0¢/$ (1x) |
| Groceries | 2.0¢/$ (2%) | 1.0¢/$ (1x) |
| Gas | 2.0¢/$ (2%) | 1.0¢/$ (1x) |
| Travel | 2.0¢/$ (2%) | 1.0¢/$ (1x) |
| Flights | 2.0¢/$ (2%) | 1.0¢/$ (1x) |
| Hotels | 2.0¢/$ (2%) | 1.0¢/$ (1x) |
| Streaming | 2.0¢/$ (2%) | 1.0¢/$ (1x) |
| Online retail | 2.0¢/$ (2%) | 1.0¢/$ (1x) |
| Everything else | 2.0¢/$ (2%) | 1.0¢/$ (1x) |
| Annual fee | None | None |
| Statement credits (max/yr) | — | — |
| Foreign transaction fee | 3% | None |
| Signup bonus | 10,000 after $500/3mo | — |
| Offer last confirmed | 2026-09-14 | — |
Wells Fargo Active Cash wins more of the everyday categories (9 of 9), but Discover it Cash Back still wins where you might spend most — which card earns more depends entirely on where YOUR money goes.
Point values are Credit Upside's maintained mid-range estimates (Discover cash back at 1.00¢). Caps, rotating categories and credit usage change the real answer — the app applies all of them to your actual statement.
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