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NHL Discover it® Card review

Earn cash back in rotating categories and get a long intro APR period with this no-annual-fee card.

  • Get this card if you’re an avid hockey fan and want cash back with no annual fees.
  • Pick something else if you want a better cashback rate or a card with travel rewards.
  • Apply with a good to excellent credit score of 670 or higher.
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Up to 5%

Cash back


Annual fee


Intro purchase APR

for the first 15 months (then 12.74% to 23.74% variable)


Intro balance transfer

for the first 15 months (then 12.74% to 23.74% variable)


Annual fee$0
Welcome offerDiscover will match cash back at the end of your first card year
Rewards5% cash back on up to $1,500 in rotating quarterly activated categories then 1% after that and on all other purchases
Purchase APR0% intro for the first 15 months (then 12.74% to 23.74% variable)
Balance transfer APR0% intro for the first 15 months (then 12.74% to 23.74% variable)
Minimum Credit Score670

Review by

Kliment Dukovski is a cryptocurrency and investments writer who has written over 700 articles to help readers find and compare the best financial options. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange and stock market trading.

Expert review

Pick your favorite NHL team to display on your Discover card. You’ll get a long intro APR period on purchases and balance transfers, and you’ll earn accelerated cash back in rotating categories plus flat cash back on all other purchases. Discover also matches the cash back you earn in the first year.

How to apply for the NHL Discover it® Card

  1. On the Discover it® website find the NHL® Discover it® in the list of credit cards, then click Apply and pick your team.
  2. Fill out the form with your information and pick the card design with your team.
  3. Review your application and submit it.

How long will it take to get my NHL Discover it® Card?

Discover usually makes an instant decision on your application. If additional information is needed, it may take a few business days up to a few weeks. Once approved, expect your card to arrive within seven to 10 business days.

The perks

  • Earn cash back.

    Earn 5% cash back in rotating categories you activate each quarter — gas, restaurants, wholesale clubs, grocery stores or Amazon — up to a quarterly maximum of $1,500. After that and on all other purchases you get 1% cash back. Redeem cash back as a deposit into an eligible bank account or for shopping, make a charitable donation or get a gift card.

  • NHL discounts.

    Save 10% when you use this card at the official online NHL store or to pay for your NHL TV subscription.

  • Support your favorite NHL team.

    Show support for your favorite hockey team with pride, with a choice from all 31 teams.

  • Cashback Match™.

    Discover automatically matches your earned cash back at the end of the first year, and it applies it to your account within two billing cycles. This means you can turn your $300 cash back into $600.

  • Intro APR period.

    Get a 0% intro APR for the first 15 months from your account opening on purchases and balance transfers. After that, a variable APR of 12.74% to 23.74% will apply. The intro APR period on balance transfers is only available for transfers that post to your account by a moving deadline.

How much cashback rewards can I earn with the NHL Discover it® Card?

Where you spend:The amount you spend:Cash back earned:
Wholesale clubs$2,000$80
Everything else$6,000$60

If your annual spending resembles our example, you would earn $390 a year from the second year. For the first year, you would earn $780 with the Discover it Cashback Match. This is one of the highest signup bonuses you can get with a cashback card.

You’ll also like …

  • No annual fees.

    Enjoy all the benefits that this card offers without paying an annual fee.

  • No foreign transaction fees.

    Using this card outside of the US comes with no transaction fees. Other cards have up to a 3% fee for every transaction.

  • Free FICO® Score.

    Track your FICO® Score for free on your monthly statement, or view it online or on your phone with the Discover Mobile app.

  • Enhanced security.

    This chip-enabled card comes with a $0 fraud liability guarantee, and you can freeze and unfreeze your account at any time. If you’re in the US and lose your card, Discover will overnight a free replacement card.

What to watch out for

  • Balance transfer limitations.

    To use the intro APR period on balance transfers, your transfers must post by the deadline. Keep in mind that you can only transfer balances from non-Discover accounts up to your credit limit.

  • Credit line.

    Your credit line is determined by Discover based on multiple factors. But the lowest credit line you can receive is $500.

  • Penalty fees.

    For the first late payment you make, you won’t pay any fees. But starting from the second, you’ll pay up to $40. Returned payments also come with fees up to $40. However, the card has no penalty APR. Other cards have a penalty APR up to 30%, which can last indefinitely.

  • Limited international acceptance.

    Discover is not as widely accepted outside the US as other cards, which could limit your international spending.

How does a balance transfer work with this card?

Your balance transfers must post by the deadline to use the 0% intro APR period for balance transfers for 15 months from your account opening. After that, a 12.74% to 23.74% variable APR will apply.

For each balance transfer you make, you’ll pay a 5% fee. If your transfer amount is $1,000, you’ll pay $30 in fees. Keep in mind that you can only process balance transfers up to your credit limit. If your requested amount exceeds your limit, Discover may process a partial amount. Also know that Discover won’t process any transfer that comes from another Discover account.

Wait for at least 14 days for Discover to process your transfers. In case you change your mind, call 800-347-3085 to cancel your balance transfer within these 14 days.

What to know before you apply

To apply for the NHL Discover it® Card, you must be at least 18 years old and a citizen or legal resident of the US.

To complete the application, you’ll need to submit:

  • Full name and personal contact information.
  • Date of birth and Social Security number.
  • Employment information and income from all sources.
  • Your monthly mortgage or rent payment.

What credit score do I need?

Applying with a credit score of 670 or higher increases the possibility of your application’s approval. With a better credit score, you’ll get a lower APR and a higher credit line.

What do customers say about the NHL Discover it® Card?

Customers are generally happy with the size of the credit limit they received, and they love the high quarterly cash back.

The Better Business Bureau accredited Discover in 1989, and it rates the card issuer with an A+.

I got the card. Now what?

  • Download the Discover Mobile app. And monitor your account, make payments, redeem rewards, check your free FICO® score, freeze or unfreeze your account and more.
  • Activate your quarterly cash back. To use the 5% cash back on select purchases, you must activate the feature every quarter. Either log in to your account central or call 800-347-2683 to activate.
  • Avoid interest. Don’t forget that the intro APR offer will eventually expire. While you’ll get an interest-free grace period on purchases going forward, they won’t apply to outstanding balances from balance transfers.
  • Customer service. Call 877-587-1605 or use Discover’s online chat platform if you need any help. Connect on Facebook @Discover or on Twitter @Discover.

How do I redeem rewards from NHL Discover it® Card?

You can either call 800-347-2683 or log in to your online Discover Card account to redeem your rewards. Your options include:

  • Gift cards with a $5 bonus to each card
  • Pay at checkout
  • Donate to charity
  • Deposit into your bank account or use it toward your Discover card bill

Bottom line

If you’re a fan of the best collision sport on ice, the NHL Discover it® Card can help you show your support while enjoying no annual fee, an intro APR offer, cash back on your spending and discounts at the official online NHL shop and on your NHL TV subscription.

Apply for this card if it’s the one you’re looking for, or check out other cashback credit cards or balance transfer credit cards to get a better look at what’s available.

Frequently asked questions

Images: Discover

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