Updated September 28, 2026 · DebitCue Editorial Team
NHL® Discover it® vs Kiwibank
NHL® Discover it®
Higher score in this comparison
Kiwibank
Where NHL® Discover it® and Kiwibank differ
| Compare | NHL® Discover it®ReviewSee alternativesSee alternatives | KiwibankReviewSee alternativesSee alternatives |
|---|---|---|
| Annual fee | $0 | NZ$0 |
| APR | 18.49% to 28.49% | 12.9%Lower |
| Rewards type | Cashback | None |
| Balance transfer intro period | 15 monthsHigher | 6 months |
| Balance transfer fee | 3% | 1%Lower |
| 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 | 55 days interest free on purchases |
| Currency conversion fee | Not confirmed | 2.5% |
| Rewards rate | 1% cash back on all other purchases; 5% cash back in rotating categories, plus dollar-for-dollar match in first year | Not confirmed |
| Credit needed | Good | Not confirmed |
Same on both: Card kind (Credit).
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Key differences
- NHL® Discover it® scores higher overall: 9.3 vs 9.2.
- Founded is lower at NHL® Discover it®: 1985 vs 2001.
- APR is lower at Kiwibank: 12.9% vs 18.49% to 28.49%.
- Balance transfer fee is lower at Kiwibank: 1% vs 3%.
- Balance transfer intro period is higher at NHL® Discover it®: 15 months vs 6 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 Kiwibank offers 55 days interest free on purchases.
- Support channels: only Kiwibank offers Email.
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.
Kiwibank
Kiwibank suits New Zealand customers who already bank with the brand and want everyday spending and borrowing on one relationship. The credit card carries an annual fee of NZD 0 and an APR of 12.9%, so it only suits you if you clear balances rather than carry them.
Score breakdown
| Area | NHL® Discover it® | Kiwibank |
|---|---|---|
| Cost | 9.2HigherAnnual 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%. | 8.8Annual fee NZD 0 and monthly fee NZD 0 sit against a currency conversion fee of 2.5%. |
| Offer | 9.4Cashback on every purchase with a match on the first 15 of spending, plus good credit needed. | 9.9Higher |
| Trust | 9.4Higher | 9.2 |
Moving a 3,000 balance
NHL® Discover it®
90
3% of 3,000
Kiwibank
30
1% of 3,000
Kiwibank 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.
Positions in our rankings
| Ranking | NHL® Discover it® | Kiwibank |
|---|---|---|
| Debit cards | 100 of 1336 | 137 of 1336 |
| Credit cards | 96 of 1020 | 130 of 1020 |
| Balance transfer cards | 3 of 35 | 5 of 35 |
Choosing between them
Pick NHL® Discover it® if cost and balance transfer intro period matter most.
Pick Kiwibank if offer, apr, and balance transfer fee matter most.
Every fact side by side
| Fact | NHL® Discover it® | Kiwibank |
|---|---|---|
| Pricing model | No annual fee | No annual fee |
| Features | Rewards | Not confirmed |
| Audience | Not confirmed | Business |
| Legal entity | Discover by Capital One, N.A. | Kiwibank Limited |
| Headquarters | United States | New Zealand |
| Founded | 1985Lower | 2001 |
| Support channels | Phone, Chat, Help centre | Phone, Email, Chat, Help centreCovers more |
Debit cards
| Fact | NHL® Discover it® | Kiwibank |
|---|---|---|
| Monthly fee | Not confirmed | NZ$0 |
| Card type | Not confirmed | Debit |
| Card network | Not confirmed | Visa |
Where each stands against the rest
| Fact | NHL® Discover it® | Kiwibank | Median |
|---|---|---|---|
| APR | 18.49% to 28.49%below the median | 12.9%lowest quarter | 19.39 |
| Currency conversion fee | Not confirmed | 2.5%above the median | 1% |
| Balance transfer intro period | 15 monthsat the median | 6 monthslowest quarter | 15 months |
| Balance transfer fee | 3%at the median | 1%lowest quarter | 3% |
Median across 312 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
Kiwibank
Pros
- The credit card has an annual fee of NZD 0 and the everyday Visa debit card has a monthly fee of NZD 0
- Purchases get an interest-free period of 55 days interest free on purchases, which suits clearing balances in full each cycle
- Help is offered on phone, email and chat, including phone, email, chat and a help centre
Cons
- The rewards type on the credit card is none, so everyday spending earns nothing back
- The currency conversion fee of 2.5% ranks 192 of 259 brands compared
- A balance transfer charges a fee of 1% and lasts 6, so the saving is short lived
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
Kiwibank
Who it suits
- Kiwibank account holders in New Zealand who want a Visa card for everyday spending with a monthly fee of NZD 0
- People planning a large purchase and paying it off inside the interest-free period of 55 days interest free on purchases
- Business users of a Visa debit card, since the card is aimed at a business audience
Who should look elsewhere
- Travellers who spend abroad often, since the currency conversion fee is 2.5%
- Shoppers who want cashback, since the rewards type is none
- Borrowers carrying a balance past the 6 intro period, who pay 12.9% and might prefer the Varo Believe Secured Credit Card
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
Country by country
| Country | NHL® Discover it® | Kiwibank |
|---|---|---|
| New Zealand | No | Yes |
| United States | Yes | No |
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.
Kiwibank
What does it cost to keep a Kiwibank card?+
The credit card has an annual fee of NZD 0 and the everyday Visa debit card has a monthly fee of NZD 0, so holding either costs nothing on its own. Borrowing on the credit card is what costs money, at an APR of 12.9% on any balance you carry.
What is the interest-free period on purchases?+
Purchases get an interest-free period of 55 days interest free on purchases, which is one of the longer runs on the market and suits people who clear the balance each cycle. Any unpaid amount after that period is charged at the standard rate of 12.9%.
Other options to compare
Other matchups
NHL® Discover it®
Kiwibank