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     |  
NHL® Discover it®

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

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 & 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.


  • Benefits
  • 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.


  • Drawbacks
  • 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.
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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.


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
  • 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.
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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
  • Cash Back Rewards
  • Rewards Rate
    1%–5% Cash back
  • Airline Benefits
  • highInterestAPR icon

    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.

  • money icon

    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.

  • annualFee icon

    Annual Fee

    There is no annual fee for the NHL® Discover it®.

  • cashBack icon

    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.

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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.

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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®

creditCard icon

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
creditCard1 icon

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.

Learn more about credit cards in general

*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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