Updated September 28, 2026 · DebitCue Editorial Team
NHL® Discover it® vs U.S. Bank
NHL® Discover it®
Higher score in this comparison
U.S. Bank
Where NHL® Discover it® and U.S. Bank differ
| Compare | NHL® Discover it®ReviewSee alternativesSee alternatives | U.S. BankReviewSee alternativesSee alternatives |
|---|---|---|
| APR | 18.49% to 28.49% | 0%Lower |
| Rewards rate | 1% cash back on all other purchases; 5% cash back in rotating categories, plus dollar-for-dollar match in first year | Unlimited 2% cash back on every purchase, plus up to an additional 2% on the first $10,000 in eligible Net Purchases each billing cycle when paired with a U.S. Bank Smartly Savings account and qualifying checking balances (total 2.5% / 3% / 4% by qualifying balance) |
| Balance transfer intro period | 15 monthsHigher | 12 months |
| Balance transfer fee | 3%Lower | 5% |
| 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 | Cash back deals from brands via the U.S. Bank Mobile App or online banking, Flexible cash back redemption: direct deposit, statement credit, rewards card, merchant gift cards, U.S. Bank ExtendPay Plan with a $0 fee offer for new cardmembers on plans opened in the first 60 days, Contactless chip payment on all U.S. Bank credit cards |
| Cashback rate | Not confirmed | 2% |
Same on both: Annual fee ($0), Rewards type (Cashback), Credit needed (Good), Card kind (Credit).
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Key differences
- NHL® Discover it® scores higher overall: 9.3 vs 9.1.
- APR is lower at U.S. Bank: 0% vs 18.49% to 28.49%.
- Balance transfer fee is lower at NHL® Discover it®: 3% vs 5%.
- Balance transfer intro period is higher at NHL® Discover it®: 15 months vs 12 months.
- Perks: only NHL® Discover it® offers $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.
- Perks: only U.S. Bank offers Cash back deals from brands via the U.S. Bank Mobile App or online banking, Flexible cash back redemption: direct deposit, statement credit, rewards card, merchant gift cards, U.S. Bank ExtendPay Plan with a $0 fee offer for new cardmembers on plans opened in the first 60 days.
- Support channels: only NHL® Discover it® offers Chat.
- Features: only NHL® Discover it® offers Rewards.
- Features: only U.S. Bank offers Virtual card.
Our verdict on each
NHL® Discover it®
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.
U.S. Bank
U.S. Bank suits people already banking with the bank who want a no cost debit card and a cash back credit card in the same place. The checking account carries a monthly fee of $0 and the Bank Smartly Visa Signature has an annual fee of $0 and rewards of 2%.
Score breakdown
| Area | NHL® Discover it® | U.S. Bank |
|---|---|---|
| Cost | 9.2Annual fee of $0 and a balance transfer fee of 3%, with APRs of 18.49% to 28.49% against a site median of 20.97%. | 9.2Monthly fee of $0 on the checking account and $0 on the credit card, with cash back rewards |
| Offer | 9.4HigherCashback on every purchase with a match on the first 15 of spending, plus good credit needed. | 8.9 |
| Trust | 9.4 | Not confirmed |
Licences and countries
| Country | NHL® Discover it® | U.S. Bank |
|---|---|---|
| United States | Not confirmed | FDIC FDIC cert 6548 |
Available in 1 country for both.
Which one suits you
Pick NHL® Discover it® if offer, balance transfer intro period, and balance transfer fee matter most.
Pick U.S. Bank if apr matter most.
What it costs in practice
A year with 1,000 spent abroad
NHL® Discover it®
$0
1 × $0
U.S. Bank
$0
1 × $0
Both come to the same total.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
How they place
| Ranking | NHL® Discover it® | U.S. Bank |
|---|---|---|
| Debit cards | 100 of 1336 | 171 of 1336 |
| Credit cards | 96 of 1020 | 164 of 1020 |
| Balance transfer cards | 3 of 35 | 12 of 35 |
| Cashback cards | 27 of 203 | 61 of 203 |
Moving a 3,000 balance
NHL® Discover it®
90
3% of 3,000
U.S. Bank
150
5% of 3,000
NHL® Discover it® comes out 60 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Every fact side by side
| Fact | NHL® Discover it® | U.S. Bank |
|---|---|---|
| Pricing model | No annual fee | No annual fee |
| Features | Rewards | Virtual card |
| Audience | Not confirmed | Business, Student, Kids |
| Legal entity | Discover by Capital One, N.A. | U.S. Bank National Association |
| Headquarters | United States | United States |
| Founded | 1985 | Not confirmed |
| Support channels | Phone, Chat, Help centreCovers more | Phone, Help centre |
Debit cards
| Fact | NHL® Discover it® | U.S. Bank |
|---|---|---|
| Monthly fee | Not confirmed | $0 |
| Card type | Not confirmed | Debit |
| Card network | Not confirmed | Visa |
Where each stands against the rest
| Fact | NHL® Discover it® | U.S. Bank | Median |
|---|---|---|---|
| Annual fee | $0at the median | $0at the median | $0 |
| APR | 18.49% to 28.49%below the median | 0%lowest quarter | 19.39 |
| Balance transfer intro period | 15 monthsat the median | 12 monthsbelow the median | 15 months |
| Balance transfer fee | 3%at the median | 5%highest quarter | 3% |
| Cashback rate | Not confirmed | 2%above the median | 1.5% |
Median across 196 listed cards.
Pros and cons
NHL® Discover it®
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%
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
U.S. Bank
Pros
- Monthly fee of $0 on the Smartly checking account keeps the everyday account cost at nil
- Cash back credit card with an annual fee of $0 and a rewards rate of 2% on every purchase
- Debit card on the visa network with a virtual card option for online spending
Cons
- Support runs on phone and help centre only, so there is no email or live chat option
- A balance transfer offer of 12 months comes with a fee of 5%
- The highest cash back rate on the credit card depends on holding a Smartly Savings account and qualifying checking balances
Who each suits
NHL® Discover it®
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
U.S. Bank
Who it suits
- Existing U.S. Bank customers who want the checking account and credit card together
- Business owners looking for a debit card with a virtual card for online purchases
- Students and parents setting up a kids account on the same bank
Who should look elsewhere
- People who want a card with no foreign exchange costs, where Wise is a closer match
- Anyone who needs live chat or email help, as support runs on phone and help centre only
- Customers unwilling to hold a savings balance, since the highest cash back rate depends on qualifying checking balances
Current offers
NHL® Discover it®
Current offer
Bonus
Discover it Cash Back $200 welcome bonus: $200 statement credit after spending $500 on purchases within 3 months of account opening
One-time, new cardholders only, available by clicking Apply Now on the page; may not be available if you navigate away or close the page
Source, checked September 26, 2026
Bonus
Unlimited Cashback Match on Discover it Cash Back: Dollar-for-dollar match of all cash back earned in the first 365 days, no limit
For new cardholders; no purchase minimums; offered from account approval through first 365 days; promotional offer may not be available in the future
Source, checked September 26, 2026
First period offer
0% intro APR on Discover it Cash Back: 0% intro APR for 15 months on purchases and balance transfers
Eligible customers only; 18.49% to 28.49% variable APR after that; balance transfer fee applies
Source, checked September 26, 2026
U.S. Bank
Current offer
Bonus
Score up to $450 with U.S. Bank Smartly Checking: up to $450
Open a new U.S. Bank Smartly Checking account and complete required activities. Offer valid through November 10. Terms and limitations apply.
Source, checked September 26, 2026
Country by country
| Country | NHL® Discover it® | U.S. Bank |
|---|---|---|
| United States | Yes | Yes |
Questions about each
NHL® Discover it®
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.
U.S. Bank
What does the U.S. Bank debit card cost to hold?+
The Smartly checking account that the debit card sits on has a monthly fee of $0, so the account itself adds nothing to your costs. The card runs on the visa network, so it works in the same ATMs and shops as other Visa cards. Support is available on phone and help centre.
Is my money protected at U.S. Bank?+
U.S. Bank National Association is the legal entity behind the account, and the bank is headquartered in the US. It is supervised by the FDIC and listed under FDIC cert 6548. The balance sits in a bank current account rather than a prepaid balance, and support runs on phone and help centre.
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NHL® Discover it®
U.S. Bank