The terms reference list and bibliography are often used interchangeably. However, a reference list contains only sources you have cited in-text in your paper. On the other hand, a bibliography pertains to the list of all the sources you used to generate your ideas about the topic including those cited in your academic paper as well as those you did not cite. Take note though that if you follow the APA format, the term bibliography is not used. Instead, use 'Reference List'. I hope this helps. 🙂