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.
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 FeatureHas or Not
- Has Annual Fee
- Has Balance Transfer Offer
- Has APR Offer
- Cash Back Rewards
- Travel Rewards
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.
- No annual feeNHL Discover it Credit 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 feesYou can use this credit card for purchases you make while traveling outside the U.S., without worrying about foreign transaction fees.
- Cash back rewardsYou can earn 5% cash back on revolving categories up to a predetermined spending limit each quarter and 1% cash back on all other purchases.
- Limited perksThe 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 rewardsPurchase 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.
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.
New cardholders enjoy a 0% APR on purchases they make within the first 15 months of opening their account.
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 FeatureDescription
- Balance TransferYou 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 February 10, 2023. The card has a standard purchase APR of 14.99% – 25.99% that will apply after this period.
- Cash AdvanceYou can get a cash advance using this credit card. However, it comes with a high APR of 27.99%.
- Identity AlertsYou 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.
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 FeatureAmount or Rate
- APR14.99% – 25.99%
- Annual Fee$0
- Cash Back Rewards
- Rewards Rate1%-5% Cash back
- Airline Benefits
Depending on your creditworthiness, you may get a medium to high APR. The regular APR for the NHL® Discover it® is 14.99% – 25.99%. 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 27.99%, 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.
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.
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.
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: 14.99% – 25.99%
- 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: 17.99% – 26.74%
- 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.
Citi Custom Cash℠ Card
Capital One Spark Cash Select - $500 Cash Bonus
The Business Platinum Card® from American Express
U.S. Bank Altitude® Go Visa Signature® Card
Capital One Spark Cash Select - $500 Cash Bonus - Good Credit
Delta SkyMiles® Blue American Express Card
Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
Amazon Business Card
Delta SkyMiles® Gold Business American Express Card
U.S. Bank Altitude® Connect Visa Signature® Card
Bank of America® Premium Rewards® credit card
Capital One SavorOne Student Cash Rewards Credit Card
CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
Citi® Diamond Preferred® Card
Discover it® chrome Credit Card
Capital One Quicksilver Student Cash Rewards Credit Card
American Express® Gold Card
Citi® Double Cash Card
IHG® Rewards Premier Credit Card
Capital One Spark Miles for Business Select
The Blue Business® Plus Credit Card from American Express
The Hilton Honors American Express Business Card
American Express Cash Magnet® Card
West Elm Key Rewards Credit Card
Citi® Secured Mastercard®
Credit One Bank® Platinum Visa®
Navy Federal More Rewards American Express card
Delta SkyMiles® Reserve Business American Express Card
Mastercard® Black Card™
OpenSky® Secured Visa® Credit Card
Citi Simplicity® Card
Aer Lingus Visa Signature®
Ink Business Preferred® Credit Card
Iberia Visa Signature® Card
Simmons Rewards Visa Signature®
Discover it® Secured Credit Card
Hilton Honors American Express Surpass® Card
Credit One Bank® Platinum Visa® for Rebuilding Credit
Discover it® Student Cash Back Credit Card
Chime Credit Builder Secured Visa® Credit Card
Discover it® Student chrome
Capital One Spark Miles for Business
Wells Fargo Active Cash® Card
Chase Freedom Unlimited®
NHL® Discover it®
Platinum Rewards Visa Signature® Card
First Access Solid Black Visa® Credit Card
Capital One Spark Cash Plus
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
Capital One® Spark® Classic for Business
BankAmericard® credit card
Bank of America® Travel Rewards credit card
U.S. Bank Triple Cash Rewards Visa® Business Card
OakStone Gold Secured Mastercard®
Chase Sapphire Preferred Card
Southwest Rapid Rewards® Plus Credit Card
Capital One QuicksilverOne Cash Rewards Credit Card
Alliant Visa® Platinum Rewards Credit Card
Milestone® Unsecured Mastercard®
Merrick Bank Secured Credit Card
Ink Business Cash® Credit Card
Capital One VentureOne Rewards Credit Card
PenFed Pathfinder® Rewards Visa Signature® Card
Power Cash Rewards Visa Signature® Card
American Airlines AAdvantage MileUp℠ Card
Assent Platinum 0% Intro Rate Mastercard® Secured Credit Card
Bank of America® Customized Cash Rewards Secured Card
Wells Fargo Business Platinum Credit Card
Capital One Platinum Credit Card
Capital One Venture Rewards Credit Card
Merrick Bank Double Your Line® Secured Credit Card
Bank of America® Platinum Plus® Mastercard® Business card
Milestone® Gold Mastercard®
Deserve® EDU Mastercard for Students
Bank of America® Travel Rewards Credit Card for Students
Disney® Visa® Card from Chase
Upgrade Bitcoin Rewards
U.S. Bank Visa® Platinum Card
BankAmericard® Secured Credit Card
Navy Federal Visa cashRewards Card
Costco Anywhere Visa® Business Card by Citi
Costco Anywhere Visa® Card by Citi
USAA® Rewards™ American Express® Card
Mastercard® Gold Card™
Southwest Rapid Rewards® Premier Credit Card Business
Chase Slate Edge℠
Capital One SavorOne Cash Rewards Credit Card
Southwest® Rapid Rewards® Performance Business Credit Card
NASCAR® American Express® Card from Credit One Bank
Capital One Walmart Rewards® Mastercard®
World of Hyatt Credit Card
Capital One Venture X Rewards Credit Card
Southwest Rapid Rewards® Priority Credit Card
Marriott Bonvoy Brilliant™ American Express® Card
BankAmericard for Students
Wells Fargo Reflect® Card
IHG® Rewards Traveler Credit Card
Capital One Platinum Secured Credit Card
United℠ Business Card
United Club℠ Infinite Card
United Explorer Card
Ink Business Unlimited® Credit Card
Learn more about credit cards in general
- 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.
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.
Advertiser Disclosure: MoneyGeek has partnered with CardRatings.com and CreditCards.com for our coverage of credit card products. MoneyGeek, CardRatings and CreditCards.com may receive a commission from card issuers. To ensure thorough comparisons and reviews, MoneyGeek features products from both paid partners and unaffiliated card issuers that are not paid partners.