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This article was last updated Aug 11, 2018. Terms and conditions may have changed. For the most accurate information, please consult the issuer website.
Consumers NHL® Discover it® is best for
The NHL® Discover it® is great for NHL fanatics who want to earn cash back. The cashback program benefits those who want to maximize their cash back by providing quarterly rotating-bonus categories.
If you’re not an NHL fan, or don’t want to bother with rotating quarterly cashback categories, then you may benefit more from other cashback cards that provide flat-rate rewards or higher rewards in certain nonrotating categories.
Where this card stands out in its category
This card offers a great bonus with Cashback Match™ where Discover will automatically match all the cash back you earn at the end of your first year. This feature allows you to earn additional cash back in the first 12 months of new card membership, automatically. When compared with the signup bonuses of competing cards, the NHL® Discover it® is distinctive because there is no minimum spend or three-month time period, unlike typical credit cards.
Where this card falls short in its category
The NHL® Discover it® has limited acceptance worldwide since it is backed by the Discover network and not by Mastercard or Visa. When you travel outside the U.S., you may face difficulty using your card, making it less than ideal for foreign travel (which is unfortunate since there is no foreign transaction fee). Check with the Diners Club Network to see where you can use your card abroad.
Additional card benefits
The NHL® Discover it® offers multiple benefits in addition to its rewards program:
- Cashback Match™: Discover will automatically match all the cash back you earn at the end of your first year for new cardmembers.
- Simple cashback redemption: Cash back can be redeemed at any time and at any amount. It also never expires.
- Freeze it®: This feature is great for misplaced cards. You can quickly and securely put your account on hold with the touch of a button online or in the app. Discover will not authorize new purchases, cash advances or balance transfers until you unfreeze your account.
- Free FICO® credit score: Receive access to your FICO® Score for free with Discover Credit Scorecard. Your score is updated every 30 days and this is a great way to monitor your credit.
- 100 percent U.S.-based customer service: Representatives are available 24/7 to answer your questions.
- No penalty APR: Making a late payment won’t raise your APR.
- $0 fraud liability: Any fraudulent purchases made on your credit card aren’t your responsibility.
How to use it most effectively
To earn the most cash back, use the NHL® Discover it® in the bonus categories so you earn the 5 percent rate. Set a reminder to activate the bonus categories so you don’t miss out on the higher rate. If you plan on making any large purchases, it’s a good idea to do them within the first 12 months of account opening, so they qualify for the Cashback Match™.
The NHL® Discover it® offers 5% cash back on every purchases at different places each quarter up to the quarterly maximum when you activate; unlimited 1% cash back on all other purchases This allows you to maximize your cash back in bonus categories — just remember to activate them. Cash back can be redeemed as a statement credit, electronic deposit into any account, gift card, instant eCertificate from select partners, charitable donation, and amazon.com shopping points. Terms and conditions apply.
There is a bonus where Discover will automatically match all the cash back you earn at the end of your first year. This is a great way to increase your cash back, and there is no minimum spending requirement. The bonus will be applied to your account in the following one or two billing periods.
Compare it with the Citi® Double Cash Card – 18 month BT offer
The NHL® Discover it® and the Citi® Double Cash Card – 18 month BT offer are both cashback cards, but they predominately differ in rewards and signup bonus. The NHL® Discover it® offers rotating bonus categories, while the Citi® Double Cash Card – 18 month BT offer offers a flat-rate cashback program. The card that suits you better depends on if you want to deal with bonus categories or favor a simple cashback program.
As for signup bonuses, the NHL® Discover it® offers new cardmembers Cashback Match™ where Discover will automatically match all the cash back you earn at the end of your first year. If you want to increase your rewards in Year 1, the NHL® Discover it® provides you with more opportunities. Also, if you’re a NHL fan, the NHL® Discover it® has more perks.
Overall, both cards are good choices, and when paired can lead to increased rewards — use the NHL® Discover it® for the bonus categories and the Citi® Double Cash Card – 18 month BT offer for everyday spending. Here’s a breakdown of the key features of each card.
|NHL® Discover it®||Citi® Double Cash Card – 18 month BT offer|
|Annual Fee||See terms||$0|
|Purchase Intro Rate||See terms||N/A|
|Balance Transfer Intro Rate||See terms||0% for 18 months on Balance Transfers|
|Balance Transfer Fee||See terms||3% of each balance transfer; $5 minimum.|
|Ongoing APR||See terms||13.99% – 23.99% (Variable)|
|Rewards||5% cash back on every purchases at different places each quarter up to the quarterly maximum when you activate; unlimited 1% cash back on all other purchases||Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.|
|Signup Bonus||Discover will automatically match all the cash back you earn at the end of your first year||No bonus|
|Foreign Transaction Fee||See terms||3%|
The NHL® Discover it® is a great card for hockey fans to maximize cash back in bonus categories. If you don’t mind keeping track of rotating cashback categories, this card can be a good fit for you. You even have the ability to support your favorite NHL team by selecting its logo as the card’s design.