What is the average credit score needed to get approved for the NHL® Discover it®?

To get approved for the NHL® Discover it®, you’ll need a good to excellent credit score. The issuer considers your creditworthiness when evaluating your application and determining your APR.

Does NHL® Discover it® report to all three credit bureaus?

Yes, NHL® Discover it® payment transactions are reported to all three credit bureaus.

Is the NHL® Discover it® application process lengthy? Can you prequalify?

You can easily check if you are pre-approved by completing the issuer’s pre-approval form online. Doing this will not affect your credit score. You can also easily apply for an NHL® Discover it® in minutes by filling out the form online.

What information is needed to apply for an NHL® Discover it®?

You will need to submit personal information, including your name, address, date of birth, employment status, monthly housing or rent payment, total gross income and email address.

Does NHL® Discover it® have good customer service or satisfaction?

Overall, Discover ranked second among national issuers in the 2021 U.S. Credit Card Customer Satisfaction Study by J.D. Power. It received a score higher than the industry average, indicating that it offers better customer service than most credit card companies. Cardholders can contact the issuer anytime by sending a message to an agent or calling the 24/7 hotline.

Does NHL® Discover it® have a mobile app or the option to pay or manage your account online?

Yes, you can manage your account through the Discover mobile app. You can also log in to your online account.

Does NHL® Discover it® raise credit limits automatically or charge for limit increases?

The issuer can increase credit limits automatically. You can also request for an increase.

Does NHL® Discover it® offer the options to freeze your credit/account or have other security features?

Yes, cardholders can freeze their credit accounts if they have their credit cards stolen or lost. They can also freeze their accounts if they suspect fraudulent activities.

Does Discover Bank offer other credit cards besides, NHL® Discover it®?

Yes, there are different credit card products available like the Student Cash Back, Chrome for Students, Discover it Gas and Restaurants, and Travel Credit Card.

MoneyGeek’s Take

NHL® Discover it® Review

Hockey fans looking for a credit card that earns unlimited cash back on purchases may find the NHL® Discover it® Credit card a great option. The card has a high rewards rate and does not have annual and foreign transaction fees.

Advertising & Editorial DisclosureLast Updated: 1/18/2023

Reviewed By

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

The NHL® Discover it® credit card is best for hockey fans who want to earn points on purchases. You can customize your card to show your loyalty to your favorite NHL team. The card is also a good option for people who travel outside the United States, as it doesn’t charge foreign transaction fees. Depending on your creditworthiness, you can have a medium to high APR.

Card Details to Know Up Front

Bonus, Fee or Feature
Has or Not
Has Annual Fee
Has Balance Transfer Offer
Has APR Offer
Cash Back Rewards
Travel Rewards
Hotel Benefits
Airline Benefits
Has Rewarding Welcome Offer
Has Foreign Transaction Fee
Recommended Credit
Good–Excellent

Click to see this card’s rates, fees and how they compare to other cards in our dataset.

OUR REVIEW AT A GLANCE

Credit Card Details at a Glance
Pros & Cons Explained
Bonuses & Rewards Explained
Our Verdict: Is This Card for You?

NHL® Discover it® at a Glance

The NHL® Discover it® allows cardholders to save money by earning cash back on purchases and paying no annual fees.

Cardholders can earn 5% cash back on revolving categories up to a predetermined spending limit each quarter and 1% cash back on all other purchases. Discover will also match all points accrued through your first year or first 12 consecutive billing periods, meaning that if you earn 1000 points in cash back rewards, Discover will give you another 1000 points.

NHL® Discover it®
A good no-annual-fee cash back credit card for NHL fans
- Good–ExcellentRecommended Credit
- $0Annual Fee
- 1%–5% Cash backRewards Rate
Pros
No annual fees
Up to 5% cash back on revolving categories
0% APR offer on purchases and balance transfers, then 16.24% – 27.24% variable APR will apply
Cash back match by Discover for the first year
No foreign transaction fees

Cons
Need to activate bonus cash back category each quarter
Bonus cash back up to a preset spending limit
Balance transfer fees
Need good to excellent credit to qualify
Regular APR: 16.24% – 27.24% variable
Cash Advance APR: 29.24% variable
No annual or foreign transaction fees
Choose from any of 32 NHL team logos as your card’s face
0% APR offer on balance transfers and purchases for the first 15 months
3% balance transfer fee until April 10, 2023, and 5% thereafter
0% APR applies on balance transfers that post to your account by April 10, 2023
Earn 5% cash back on bonus categories that you need to activate each quarter
Bonus cash back up to a predetermined spending limit
1% cash back on all other purchases
Examples of bonus categories include grocery stores, gas stations, fitness clubs and digital wallets
No penalty APR
Free access to your credit score
$0 fraud liability guarantee
Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.
Terms, rates and fees apply
Compare this credit card with other top-rated credit cards.

Pros & Cons Explained

While the NHL® Discover it® benefits make it a good credit card choice, it is important to know its shortcomings to determine if it is the right card for you.

Pros

Benefits
Description
No annual fee
NHL® Discover it® cardholders do not pay annual fees for the life of the card. However, other cash back credit cards also offer this feature.
No foreign transaction fees
You can use this credit card for purchases you make while traveling outside the U.S., without worrying about foreign transaction fees.
Cash back rewards
You can earn 5% cash back on revolving categories up to a predetermined spending limit each quarter and 1% cash back on all other purchases.

Cons

Drawbacks
Description
Limited perks
The only perk for hockey fans is the design of the card, where cardholders can showcase their favorite team. No discounts for hockey events or other benefits are offered.
Rotating categories for rewards
Purchase categories for earning cash back rewards rotate on a quarterly basis, meaning you’ll have to manually activate and select your 5% cash back categories each quarter.

LOOKING FOR THE BEST CREDIT CARDS OF 2022?

This credit card offers excellent cash back potential. However, MoneyGeek’s NHL® Discover it® Credit card review shows it may not be the best choice for everyone. Check out MoneyGeek’s selections for the best cash back credit cards of 2022 to find more options.

Bonuses & Rewards Explained

NHL® Discover it® Credit card benefits include cash back opportunities. Depending on your purchase, you can earn 1% to 5% cash back. The rewards do not expire. There are also different ways to redeem your cashback in any amount anytime.

>>MORE: ALL YOU NEED TO KNOW ABOUT BALANCE TRANSFERS WITH DISCOVER

5% Cash Back

You can earn 5% cash back on purchases from revolving categories like grocery stores, restaurants, and gas stations. However, these categories change quarterly and you’ll have to manually activate this feature each quarter to start receiving rewards.

1% Cash Back

For all other purchases that you make, you can receive 1% cash back Redemption: You can redeem your rewards anytime through electronic deposit to a bank account or donation to a selected charity. You can also use it to pay at select merchants.

Intro APR

New cardholders enjoy a 0% APR on purchases they make within the first 15 months of opening their account, then a 16.24% – 27.24% variable APR will apply.

Other Features Explained

Below are some of the various NHL® Discover it® credit card benefits and features you should consider before applying for the card.

Card Feature
Description
Balance Transfer
You can use this credit card for balance transfers. The issuer currently offers a 0% intro APR for the first 15 months, however, this offer is only valid until April 10, 2023. The card has a standard purchase APR of 16.24% – 27.24% which will apply after this period.
Cash Advance
You can get a cash advance using this credit card. However, it comes with a high APR of 29.24%.
Identity Alerts
You can monitor your Experian credit report and get notifications in your account if an inquiry is recorded. You’ll also be notified if your personal information, including your Social Security number, is found on dark websites.
$0 Fraud Liability
Cardholders are protected with a $0 fraud liability guarantee which covers unauthorized purchases if your card information is improperly used.

MONEYGEEK QUICK TIP

To maximize the earning potential of your NHL® Discover it® credit card, make sure you check the categories that are eligible for the 5% cash back offer and activate your categories on a quarterly basis. You can also take advantage of Discover’s matching points program during the first year you own the card.

Understanding the Fine Print

The features, rates and fees vary depending on the credit card you choose. Make sure you understand all details before applying for an NHL® Discover it®.

Card Feature
Amount or Rate
APR
16.24% – 27.24% variable
Annual Fee
$0
Cash Back Rewards
Rewards Rate
1%–5% Cash back
Airline Benefits
Rewards Rate on Groceries
1x
Rewards Rate on Gas
1x
Rewards Rate on Dining
1x
Rewards Rate on Entertainment
1x
Rewards Rate on Online Shopping
1x
Rewards Rate on TV, Phone, Internet Services
1x
Rewards Rate on Air Travel
1x
Rewards Rate at Hotels
1x
Balance Transfer Fee
3% Intro Balance Transfer Fee until April 10, 2023, then 5% thereafter
Balance Transfer APR
16.24% – 27.24% variable
Late Fees
up to $41
Cash Advance Fee
$10 or 5%, whichever is greater
Cash Advance APR
29.24% Variable
Foreign Transaction Fee
None

Regular APR
Depending on your creditworthiness, you may get a medium to high APR. The regular variable APR for the NHL® Discover it® is 16.24% – 27.24%. However, the issuer offers a 0% introductory APR for the first 15 months after opening the account.
Cash Advance APR
The card has a cash advance APR of 29.24%, slightly higher than the card’s regular APR. Every cash advance is also subject to a fee of $10 or 5% of the amount of each cash advance, whichever is greater.
Annual Fee
There is no annual fee for the NHL® Discover it®.
Cash Back Reward Rate
Generally, you can earn unlimited 1% cash back on purchases. But if you buy from select places that fall under the chosen category, you can earn 5% cash back. Note that the categories change quarterly and this only applies to purchases up to a quarterly maximum.

WHERE TO FIND THIS INFORMATION?

To better understand these details, you can check the issuer’s website or the credit card agreement database maintained by the Consumer Financial Protection Bureau. To find information on an existing card, you can check your latest billing statement. This information may also be available on your mobile application or online account.

Who Should & Shouldn’t Consider NHL® Discover it®?

Other Considerations for NHL® Discover it®

Besides considering the benefits and rates of the card, your current credit situation will determine if it’s an ideal fit for you. Whether this will be your first card or just one of many cards in your wallet will affect how much you benefit from the card.

Things to Consider if This Will Be Your First or Only Credit Card

If you plan on using this card as your first or only card, you may want to consider a card with lower APR. Depending on your creditworthiness, it can range from a medium to a high APR. That means you may end up paying a huge amount in interest if you fail to pay in full every month. Additionally, you should also make sure you are spending in eligible categories to get the 5% cash back.

Things to Consider if This Will Be an Additional Card in Your Wallet

If you already have credit cards and are thinking of having an NHL® Discover it® credit card as an addition to your wallet, make sure you compare the different features, rates, rewards and fees of all your cards. Check if you can shift some spending to maximize the benefits you receive.

For instance, if your other cards have foreign transaction fees, it is better to use the NHL® Discover it® for international purchases. Using this card for purchases that are eligible for the 5% cash back, may also save you money.

WHY TRUST OUR REVIEWS:

MoneyGeek reviews credit cards using a well-defined methodology and review process. We collect information from the database of the Consumer Finance Protection Bureau, standardize data points for comparison, estimate average spend profiles and determine long-term value. Additionally, a re-ranking is done regularly.

How NHL® Discover it® Compares to Other Cards

In comparison to other cash back cards, the NHL® Discover it® is a decent option. Like other cash back cards, the NHL® Discover it® requires cardholders to have a good to excellent credit score. The card offers APRs and cash back rewards that are similar to other cash back cards. Unlike other cards, however, the NHL® Discover it® has no international transaction fees.

Quick Comparison of NHL® Discover it®

NHL® Discover it® Credit Card

Annual fee: $0
Foreign transaction fee: $0
Rewards rate: 1%–5%
Regular APR: **16.24% – 27.24% variable
Best for: Hockey fans who want to show their loyalty to their favorite team and earn cash back

Chase Freedom Unlimited®

Annual fee: $0
Foreign transaction fee: 3%
Rewards rate: 1.5%–5%
Regular APR: 19.24% –27.99% variable
Best for: Shoppers looking for cash back credit card with no annual fee

Other Helpful Decision-Making Q&As

MoneyGeek provided answers to some of the most frequently asked questions about the NHL® Discover it® Credit Card to help you make an information decision.

Still not sure about this card? Consider these options.

The NHL® Discover it® may not work for everyone. Consider checking other credit cards to find the best cash back card for you. You may also be interested in a rewards credit card or business credit card.

View All Credit Cards

Learn more about credit cards in general

sources

Consumer Finance Protection Bureau. "Credit card agreement database." Accessed April 14, 2022.
Discover. "NHL Discover It Credit Card." Accessed April 14, 2022.
Discover. "Top Perks of Discover’s Official NHL Credit Card." Accessed April 14, 2022.
J.D. Power. "2021 U.S. Credit Card Satisfaction Study." Accessed April 14, 2022.

*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
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