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NHL Discover it Credit Card Review

*Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any credit card issuer. This site may be compensated through a credit card issuer partnership.

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 and save on select NHL purchases. You save 10% on your NHL.TV™ subscription and at Shop.NHL.com (with code ITPAYS), providing value to those looking to save on NHL purchases. 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 match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched. . 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 match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched. 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™.

Also, make sure you use this card to pay for your NHL.TV™ subscription so you receive 10% off. This is a great way to save on your subscription. When you’re stocking up on NHL gear, go to Shop.NHL.com and enter code ITPAYS to save 10%.

Rewards breakdown

The NHL® Discover it® offers 5% cash back on everyday purchases at different places each quarter like grocery stores, restaurants, gas stations, select rideshares and online shopping, up to the quarterly maximum when you activate., 1% unlimited cash back on all other purchases - automatically 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 match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched. . 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.

This card offers additional perks NHL fans will benefit from: Save 10% at Shop.NHL.com with the code ITPAYS and save 10% on your NHL.TV™ subscription when you use your NHL® Discover it® .

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 match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched. . 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 NHL purchases 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 everyday purchases at different places each quarter like grocery stores, restaurants, gas stations, select rideshares and online shopping, up to the quarterly maximum when you activate., 1% unlimited cash back on all other purchases - automatically Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay.
Signup Bonus Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched. No bonus
Foreign Transaction Fee See terms 3%

Bottom line

The NHL® Discover it® is a great card for hockey fans to save money on qualifying NHL purchases and 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.


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