Credit Cards » Credit Card Reviews » NHL Discover It Credit Card Review 2023
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NHL Discover It Credit Card Review 2024

The NHL Discover It Credit Card has 0% intro APR as well as high rewards rate on rotatying categories. But, there are limitations.
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: June 3, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: June 3, 2024

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.

We earn a commission from our partner links on this page. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

NHL Discover It Credit Card

NHL® Discover It® Credit Card

Rewards Plan

1% – 5% 5% cash back on spending in the quarterly bonus categories and 1% on all other purchases

Welcome Bonus

First year cash back match Discover will match ALL the cash back you've earned at the end of your first year

Credit Rating

Good – Excellent

0% Intro

15 months on purchases and balance transfers

Annual Fee

$0

APR

17.24% to 28.24%
NHL Discover It Credit Card

NHL® Discover It® Credit Card

Rewards Plan

1% – 5% 5% cash back on spending in the quarterly bonus categories and 1% on all other purchases

Welcome Bonus

First year cash back match Discover will match ALL the cash back you've earned at the end of your first year

0% Intro

15 months on purchases and balance transfers

PROS

CONS

APR

17.24% to 28.24%

Annual Fee

$0

Balance Transfer Fee

5%

Credit Requirements

Good - Excellent

The NHL Discover It card offers the same purchase rewards as the standard Discover It card with the same cash back match after the first year. But, if you’re a hockey fan and want to show your support for your team, this card can allow you to carry your team logo on your card. You’ll show your team loyalty every time you open your wallet to make a purchase.

While it would be nice for the card to offer a welcome bonus, the 0% APR and the cash back match after the first year should more than make up for it.

So, if you want to pay down a card balance or are planning a large purchase and want to double up on your rewards, this card could be a good option for you. Just be prepared for remembering to activate the bonus categories each quarter or you could miss out on the extra cash back!

  • 0% Introductory APR
  • Anniversary Companion Certificate
  • Free First Checked Bags
  • Preferred Boarding
  • No Foreign Transaction Fees
  • Statement Credit for Inflight Purchases
  • Travel Insurance
  • High Annual Fee
  • No Bonus Categories
  • Low Rewards Rate
  • High APR

Can I get pre-approved?

Unfortunately, Discover does not offer pre approval on its website for the NHL Discover It card. However, Discover may periodically send out mailers or other promotional material offering select customers pre approval for this or other Discover cards.

How do I redeem rewards?

One of the attractive features of the Discover It card is its ease of redemption for rewards. The redemption options are straightforward with a choice of statement credit towards your credit card balance, purchases on Amazon.com or as a deposit into your linked checking or savings account. You can initiate the redemption of your rewards by logging into your account and selecting your preferred redemption method.

How hard is it to get a NHL Discover It card?

The main requirement for the NHL Discover It card is good to excellent credit and there are no other hoops you’ll need to jump through. So, if you have decent credit, you should not have any real difficulty qualifying for this card.

In this Review

Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Pros and Cons

Similar to all other credit cards, the NHL Discover It card comes with its own set of pros and cons

Pros
Cons
0% Introductory APR
Bonus Category Must Activation
Unlimited Cashback Match
Bonus Cash Back Maximums
NHL Team Logo
Rotating Categories
Freeze It

Although this card does not have a welcome bonus, you can enjoy a 0% introductory APR for 15 months on purchases and balance transfers . After that, the APR will be 17.24% to 28.24%.

This is a feature that is common to top Discover cards, but essentially, Discover will match all of the cash back you earn in your first year dollar for dollar. You’ll receive this as a cash back bonus automatically once you’ve completed your first year of card membership.

During the application process, you have the opportunity to select the logo of any of the 32 NHL teams to be featured on the front face of your card.

This feature essentially allows you to turn your card on and off as and when required. If you misplace your card, you can freeze it, which will prevent any new purchases, balance transfers and cash advances in a matter of seconds. This feature is available on the Discover website and mobile app.

While earning up to 5% cash back is possible, it is only available in predetermined categories each quarter.

To benefit from this cash-back bonus, you need to remember to activate the bonus category.

In addition to the bonus categories being predetermined, they also have a maximum quarterly spend. This is typically $1,500 and if you exceed this amount, any sum over and above the cap will only earn the regular 1% cash back.

So, if you are planning a large purchase, you may not be able to maximize your cash back.

Rotating categories may not suit everyone's preferences. Some individuals prefer certainty and have specific spending categories where they want to focus and maximize their returns.

Who is the NHL Discover It Credit Card Best For?

Since this is a co-branded credit card, it is obviously designed for NHL fans. Whether your team is in the Metropolitan, Atlantic, Central or Pacific Division, you can show your support with your Discover card. All 32 teams are featured and you can select which team you want to feature on your card with its team logo.

The card could also be a good choice if you are looking to pay down an existing credit card account or you are planning on making a large purchase. You’ll have quite long 0% intro APR, which could eliminate or minimize the interest charges you’ll pay.

If you would like to check more options for cards that offer 0% intro and rewards, here are some options:

Card
0% Intro
Rewards
Annual Fee

chase freedom unlimited card

15 months on purchases and balance transfers Go to APR after that will be 20.24%–28.99% variable
1.5% – 5% 5% on travel purchased through Chase Ultimate Rewards, 3% on dining at restaurants, including takeout and eligible delivery services, 3% on drugstore purchases and 1.5% cash back on all purchases
$0

15 months on purchases and balance transfers G o to APR after that will be 17.24% – 28.24% Variable
1-5% 5% cashback on up to $1,500 in rotating category purchases each quarter when you activate the bonus category (then 1%), as well 1% percent cash back on all other purchases
$0
citi-custom-cash_
15 months on purchases and balance transfers G o to APR after that will be 19.24% – 29.24% (Variable)
1-5% 5% cash back on your highest eligible spend category each billing cycle up to the first $500 spent and 1% cash back thereafter
$0

Wells Fargo active cash card

15 months on purchases and qualifying balance transfers G o to APR after that will be 20.24% to 29.99% variable APR
2% 2% cash rewards on purchases (unlimited)
$0
Chase Freedom Flex
15 months on purchases and balance transfers Go to APR after that will be 20.49%–29.24% variable
1-5%
$0
Amex-Blue-Cash-everyday
15 months on purchases and balance transfers from the date of account opening Go to APR after that will be 19.24% – 29.99% Variable
1-3% 3% Cash Back at U.S. supermarkets / U.S. online retail purchases/ U.S. gas stations on up to $6,000 per year in purchases, then 1%

Bank of America® Customized Cash Rewards

15 billing cycles on purchases Go to APR after that will be 18.24% – 28.24% Variable APR will apply. A 3% fee (min $0) applies to all balance transfers
1-3% 3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings, 2% cash back at grocery stores and wholesale clubs and 1% cash back on all other purchases. The 3% and 2% cash back available on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter (then 1%)
$0

Tips for the NHL Discover It Credit Card

This card is essentially a co-branded version of the standard Discover It card, but there are still a couple of tips that can help you to get the most value from it. These include:

Since you can only earn the 5% bonus cashback on specific categories in the various quarters of the year, it is a good idea to set an alert each quarter to remind you to activate the bonus.

Even if you’re not planning on making a major purchase, the bonus categories tend to relate to everyday spending, so there is the potential for a decent bonus.

Whether you’re using the app or the online platform, you can easily activate the privacy and security features. These are free services that increase your account and identity security.

Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

FAQs

There are no official income requirements for the NHL Discover It card, but you do need to have good to excellent credit. This means that while your income will be assessed, it is not the only factor considered when an approval decision is being made.

This card is not a good idea if you don’t like the idea of needing to remember to activate bonus categories each quarter. If you prefer a more straightforward rewards structure, you may prefer a card that has a flat rewards rate.

Although this may appear to offer lower rewards, you won’t need to worry about categories, as all your purchases will attract the same reward rate. 

Unfortunately, the NHL Discover It card does not offer travel insurance regardless of whether you’ve purchased your fare using your card.

Picture of Baruch Mann (Silvermann)

Baruch Mann (Silvermann)

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
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amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
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amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
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Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
85,000 miles 85,000 bonus miles after you spend $4,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
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Welcome Bonus:
60,000 miles 60,000 bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open.
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

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Editorial Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

Credit Card Reviews Methodology

In order to determine the best possible credit cards, we look at things like fees, interest rates and rewards. We do this with companies that are associated with us as partners as well as other offerings. From there, we make a decision about what the best card is related to different categories and needs. We focus on interest rate cost & fees, especially the cost of carrying a balance, rewards – cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely usability – cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting. We also consider customer reviews.

We look at cards related to good or excellent credit ratings that will then provide a range of different benefits and improvements for someone who has these scores. We also look at low fees when it comes to those who have lower credit scores.