NHL® Discover it® Credit Card Review

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All information about the NHL® Discover it® card has been collected independently by MoneyGeek.com and has not been reviewed by the issuer.

NHL® Discover it®

Rates & Fees

REVIEW & APPLY

On Issuer's Site

Rewards Rate

Earn 5% cash back on everyday purchases at differe...

APR

18.74% – 27.74% Variable

Annual Fee

Recommended Credit

670-850 (Good to Excellent)

PROS
- No annual fees
- Up to 5% cash back on revolving categories
- 0% APR offer on purchases and balance transfers, then 18.74% to 27.74% 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: 18.74% – 27.74% Variable variable
- Cash Advance APR: 29.74% 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 February 10, 2025, and 5% thereafter
- 0% APR applies on balance transfers that post to your account by February 10, 2025
- 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

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.

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.

NHL® Discover it® Overview

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

Important Card Details

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®.

Regular APR

Depending on your creditworthiness, you may get a medium to high APR. The regular variable APR for the NHL® Discover it® is 18.74% – 27.74%. 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 29.74%, 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.

Additional Benefits

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

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 May 10,2024. The card has a standard purchase APR of 18.74% – 27.74% 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 29.74%.
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.

How the 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.

How the NHL® Discover it® Compares

NHL® Discover it® Credit Card

Annual fee: $0
Foreign transaction fee: $0
Rewards rate: 1%–5%
Regular APR: 18.74% – 27.74% 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: 19.99% - 28.74% variable
Best for: Shoppers looking for cash back credit card with no annual fee

Frequently Asked Questions

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.

About Doug Milnes, CFA

Doug Milnes is a CFA charter holder with over 10 years of experience in corporate finance and the Head of Credit Cards at MoneyGeek. Formerly, he performed valuations for Duff and Phelps and financial planning and analysis for various companies. His analysis has been cited by U.S. News and World Report, The Hill, the Los Angeles Times, The New York Times and many other outlets.

Milnes holds a master’s degree in data science from Northwestern University. He geeks out on helping people feel on top of their credit card use, from managing debt to optimizing rewards.

Read Full Bio »

sources

Consumer Finance Protection Bureau. "Credit card agreement database." Accessed November 30, 2024.
Discover. "NHL Discover It Credit Card." Accessed November 30, 2024.
Discover. "Top Perks of Discover’s Official NHL Credit Card." Accessed November 30, 2024.
J.D. Power. "2021 U.S. Credit Card Satisfaction Study." Accessed November 30, 2024.

*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.
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MoneyGeek’s Take

NHL® Discover it® Review