Is the NHL Discover it Card worth it? - October 2018 |
nhl discover it credit card

Review: NHL Discover it® Card – October 2018

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

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 690 or higher.

The nuts and bolts

Product name NHL Discover it®
Issuing bank Discover
Recommended credit score range 690–850
Annual fee $0
Signup bonus N/A
Purchase APR 13.99%–24.99% variable
Intro purchase APR 0% for 14 months, 13.99%–24.99% variable thereafter
Intro balance transfer APR 0% for 14 months, 13.99%–24.99% variable thereafter
Balance transfer fee 3% of each transaction
Foreign transaction fee None
Cash advance rate 26.99%
Cash advance fee $10 or 5% of each transaction, whichever is greater
Penalty APR N/A
Late payment fee $0 for first late payment, up to $37 thereafter
Returned payment fee Up to $37
Overlimit fee N/A
Maximum credit limit None
Minimum interest charge $0.50

The basics

Pick from all 31 NHL teams to brand this Discover card with your favorite. You’ll get a long intro APR period on purchases and balance transfers, and you’ll earn 5% cash back in rotating quarterly categories and 1% cash back on all other purchases. Discover also matches the cash back you earn in the first year.

If you use this card at the official online NHL shop or to pay for your NHL TV subscription, you’ll save another 10%. All this for a card that comes with no annual or foreign transaction fees.

The perks

  • Earn cash back.

    Earn 5% cash back in rotating categories — gas, restaurants, wholesale clubs, grocery stores or Amazon — up to a quarterly maximum of $1,500. All other purchases come with 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, choosing 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 0% APR for the first 14 billing cycles from your account opening on purchases and balance transfers. After that, a variable APR of 13.99% to 24.99% will apply. The intro APR period on balance transfers is only available for transfers that post to your account by January 10, 2019.

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

Where you spend: The amount you spend: Cash back earned:
Dining $2,000 $80
Gas $2,000 $80
Groceries $3,000 $80
Wholesale clubs $2,000 $95
Everything else $6,000 $60
Total $18,000 $395

If your annual spending resembles our example, you would earn $395 per year from the second year. For the first year, you would earn $790 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 January 10, 2019. 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 $37. Returned payments also come with fees up to $37. 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.

Consider other cards if …

  • You’re looking to support another sport.

    Check out NFL Extra Points Credit Card where you get a 20% discount on purchases from the official online NFL shop. And you earn points on NFL purchases, such as tickets, in-stadium purchases, team pro shops and the NFL online shop. Alternatively, consider the MLB® Credit Card from Bank of America if you’re more into baseball.

  • You want to earn unlimited cash back.

    The Citi® Double Cash Card lets you earn 1% when you make the purchase and additional 1% when you pay your balance for a total of 2% cash back. A similar card is the PenFed Power Cash Rewards Visa Signature® Card where you get unlimited 1.5% back on all purchases, and 2% if you’re a PenFed Honors Advantage member.

  • You want to earn higher cash back on select categories.

    If you mostly spend on groceries and gas, the Blue Cash Preferred® Card from American Express from American Express could be a better choice.

How does a balance transfer work with this card?

Your balance transfers must post by October 10, 2018 to use the 0% intro APR period for balance transfers for 14 months from your account opening. After that, a 13.99% to 24.99% variable APR will apply.

For each balance transfer you make, you’ll pay a 3% 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 1-800-347-3085 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 690 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+.

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 7 to 10 business days.

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 1-800-DISCOVER (1-800-347-2683) 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 1-877-587-1605 or use Discover’s online chat platform if you need any help. Connect on Facebook @Discover or on Twitter @Discover.

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

Adrienne Fuller

Adrienne Fuller leads the publishing team at She has one goal: to deliver the accurate and transparent information she wishes she had when she made some of life's important financial decisions. When she's not helping folks save money, she's hiking with her two Catahoulas around her home in San Diego.

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Privacy and Cookies Policy and Terms of Use.

US Credit Card Offers

Important Information*
Deserve® Classic Card
Deserve® Classic Card



Annual fee

0 For the first year
More info
Luxury Card Mastercard® Gold Card™
Luxury Card Mastercard® Gold Card™



Annual fee

995 For the first year
More info
First Access Visa Card®
First Access Visa Card®



Annual fee

75 For the first year
More info
Indigo® Platinum Mastercard® Credit Card
Indigo® Platinum Mastercard® Credit Card



Annual fee

75 For the first year
More info
Go to site