NHL® Discover it® review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Our verdict
NHL Discover it is a US credit card that suits people who want cashback on everyday spending without paying an annual fee, and who are comfortable holding a balance at 18.49% to 28.49%. It is issued by Discover by Capital One, N.A., and rewards are cashback rather than points or miles.
Key facts
- Best for
- Everyday spenders who want cashback with no annual fee.
- Annual fee
- $0 (Source, checked September 26, 2026)
- APR
- 18.49% to 28.49% (Source, checked September 26, 2026)
- Rewards type
- Cashback (Source, checked September 26, 2026)
- Rewards rate
- 1% cash back on all other purchases; 5% cash back in rotating categories, plus dollar-for-dollar match in first year (Source, checked September 26, 2026)
- Balance transfer intro period
- 15 months (Source, checked September 26, 2026)
- Balance transfer fee
- 3% (Source, checked September 26, 2026)
- Credit needed
- Good (Source, checked September 26, 2026)
- Perks
- $0 fraud liability on unauthorized purchases, Unlimited Cashback Match: dollar-for-dollar match of cash back earned in the first 365 days, Free CreditWise credit monitoring and FICO Score 8 access, Pre-approval tool that does not impact your credit score, Card Lock in the mobile app, 99% nationwide acceptance (Nilson Report, Feb 2026), Virtual card available before the physical card arrives, if eligible (Source, checked September 26, 2026)
- Card kind
- Credit (Source, checked September 26, 2026)
- Legal entity
- Discover by Capital One, N.A. (Source, checked September 26, 2026)
- Headquarters
- United States (Source, checked September 26, 2026)
- Founded
- 1985 (Source, checked September 26, 2026)
- Support channels
- Phone, Chat, Help-centre (Source, checked September 26, 2026)
- Pricing model
- No annual fee
- Features
- Rewards
- Official website
- discover.com
Debit cards
Pros and cons
Pros
- No annual fee, so nothing to pay for keeping the card open: $0
- Cashback on all purchases, with a dollar-for-dollar match on the first 15 of spending
- Balance transfer offer of 15 at a fee of 3%
- Card Lock in the mobile app and a pre-approval tool that does not affect your credit score
Cons
- Purchases carry an APR of 18.49% to 28.49%, and cashback is smaller than the interest on a carried balance
- Rotating category bonuses mean the 15 match is the strongest part of the offer only early on
Who it suits
- US cardholders who want a simple cashback card with no annual fee
- People planning a balance transfer who can clear the balance inside the offer period
- Hockey fans who want a card with cashback and no annual fee
Who should look elsewhere
- Anyone wanting points or miles instead of cashback, where Wise has no rewards at all
- Anyone who needs a debit card for daily spending, where Starling is the better fit
- Anyone rebuilding credit from scratch, where Varo is the better fit
How NHL® Discover it® compares
9.3 vs 9.4
9.3 vs 9.0
9.3 vs 8.9
9.3 vs 9.2
9.3 vs 8.8
9.3 vs 8.5
9.3 vs 8.5
9.3 vs 9.0
9.3 vs 8.8
9.3 vs 8.8
9.3 vs 8.7
9.3 vs 9.2
9.3 vs 9.0
9.3 vs 8.9
9.3 vs 8.8
9.3 vs 9.6
9.3 vs 9.4
9.3 vs 9.4
9.3 vs 9.2
9.3 vs 9.1
9.3 vs 9.1
9.3 vs 9.1
9.3 vs 9.1
9.3 vs 8.8
9.3 vs 8.8- 9.3 vs 8.8
- 9.3 vs 8.8
9.3 vs 8.8- 9.3 vs 8.8
9.3 vs 8.5
9.3 vs 8.5
9.3 vs 8.5
9.3 vs 8.3
9.3 vs 8.2
9.3 vs 8.0
9.3 vs 8.0
Where NHL® Discover it® is available
- Available
- United States
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does NHL Discover it cost to keep?+
There is an annual fee of $0, so the card costs nothing while it sits in your wallet. A balance transfer costs 3% and runs for 15, which is the only separate charge on the card.
What APR will I pay on purchases?+
Purchases carry an APR of 18.49% to 28.49%, which is a range set by your credit profile. The site median across compared cards is 20.97%, so check where your own rate lands before carrying a balance.
How does the cashback work?+
You earn cash back on all purchases, with a higher rate in rotating categories. During the first 15 the card matches the cash back you earn, dollar for dollar, which is the biggest part of the reward.
What protection is included?+
Fraud liability is nil on unauthorised purchases, so a fraud claim costs you nothing. The card also brings free CreditWise credit monitoring and FICO Score 8 access through the app.
Does it have an app for locking the card?+
Yes. Card Lock in the mobile app freezes the card if it goes missing, and a virtual card is available before the physical card arrives if you are eligible. A pre-approval tool also lets you check eligibility without affecting your credit score.
What credit do I need to be accepted?+
Good credit is what this card asks for. It is a US credit card issued by Discover by Capital One, N.A., so it is not a UK product.
What is the balance transfer offer?+
You can move an existing balance for 15 at a fee of 3%. After that the balance returns to the standard rate of 18.49% to 28.49%, so it only pays off if you clear it inside the offer period.
How do I get help?+
Support runs through phone, chat and help centre, which covers phone, chat and a help centre. A pre-approval tool is also available if you want to see whether you qualify before applying.
Sources
- en.wikipedia.org/wiki/Discover_Financial checked September 26, 2026
Backs: Founded, Headquarters
“Founded 1985; 41 years ago (1985)”
- capitalone.com/credit-cards/lp/credit-card-agreements checked September 26, 2026
Backs: Legal entity
“Credit Card Agreement for Discover by Capital One, N.A. (241 KB, PDF)”
- discover.com/credit-cards checked September 26, 2026
Backs: Annual fee, APR, Balance transfer fee, Card kind, Credit needed, Pricing model
“Discover it Cash Back Card - Annual Fee: $0; No annual fee”
- discover.com/credit-cards/cash-back/it-card checked September 26, 2026
Backs: Balance transfer intro period, Features, Perks, Rewards rate, Rewards type
“Discover it Cash Back Credit Card: 0% intro APR for 15 months on purchases and balance transfers; 18.49% to 28.49% variable APR after that; Balance Transfer Fee applies”
- discover.com/credit-cards/contact-us checked September 26, 2026
Backs: Support channels
“Real human customer service 24/7... Live Chat... By Phone U.S. 1-800-DISCOVER 1-800-347-2683... Discover card help center”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee.