Updated September 28, 2026 · DebitCue Editorial Team
NHL® Discover it® vs Ocean Finance Card
NHL® Discover it®
Higher score in this comparison
Ocean Finance Card
Where NHL® Discover it® and Ocean Finance Card differ
| Compare | NHL® Discover it®ReviewSee alternativesSee alternatives | Ocean Finance CardReviewSee alternativesSee alternatives |
|---|---|---|
| Annual fee | $0 | £0 |
| APR | 18.49% to 28.49%Lower | 39.9% |
| Rewards type | Cashback | None |
| Balance transfer intro period | 15 monthsHigher | 6 months |
| Balance transfer fee | 3% | 2.9%Lower |
| Credit needed | Good | Poor |
| 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 | Credit limit of GBP 200 to GBP 8,000, Section 75 protection on purchases between GBP 100 and GBP 30,000, Mobile app to make payments and check balance, Free email and text alerts, Card usable online before the physical card arrives, Eligibility check does not affect credit score, No Apple Pay |
| 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 |
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 1991.
- APR is lower at NHL® Discover it®: 18.49% to 28.49% vs 39.9%.
- Balance transfer fee is lower at Ocean Finance Card: 2.9% 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 Ocean Finance Card offers Credit limit of GBP 200 to GBP 8,000, Section 75 protection on purchases between GBP 100 and GBP 30,000, Mobile app to make payments and check balance.
- Support channels: only Ocean Finance Card 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.
Ocean Finance Card
Ocean Finance Card suits applicants with poor credit who want a UK credit card with no annual fee, £0, and a balance transfer option. Borrowing is the expensive part, with 39.9% charged on revolving balances, so the card only pays off if you clear balances or keep them off the card.
Score breakdown
| Area | NHL® Discover it® | Ocean Finance Card |
|---|---|---|
| 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%. | 9.0There is no annual fee, £0, and a balance transfer fee of 2.9%, so cost sits in the interest on revolving balances. |
| Offer | 9.4HigherCashback on every purchase with a match on the first 15 of spending, plus good credit needed. | 9.3A transfer window of 6 with a 2.9% fee is the only offer, and rewards on spending are none. |
| Trust | 9.4Higher | 9.3 |
Licences and countries
| Country | NHL® Discover it® | Ocean Finance Card |
|---|---|---|
| United Kingdom | Not confirmed | Financial Conduct Authority 310069 |
Additional countries for NHL® Discover it®: 1. Additional countries for Ocean Finance Card: 1.
Pick NHL® Discover it® if, pick Ocean Finance Card if
Pick NHL® Discover it® if apr and balance transfer intro period matter most.
Pick Ocean Finance Card if balance transfer fee matter most.
Also worth a look
HSBC UK has balance transfer intro period at 17 to 36 months, against 15 months for NHL® Discover it® and 6 months for Ocean Finance Card.
HSBC UK reviewHow they place
| Ranking | NHL® Discover it® | Ocean Finance Card |
|---|---|---|
| Credit cards | 96 of 1020 | 132 of 1020 |
| Balance transfer cards | 3 of 35 | 6 of 35 |
Every fact side by side
| Fact | NHL® Discover it® | Ocean Finance Card |
|---|---|---|
| Pricing model | No annual fee | No annual fee |
| Features | Rewards | Not confirmed |
| Legal entity | Discover by Capital One, N.A. | Intelligent Lending Limited |
| Headquarters | United States | United Kingdom |
| Founded | 1985Lower | 1991 |
| Support channels | Phone, Chat, Help centre | Chat, Phone, Email, Help centreCovers more |
Where each stands against the rest
| Fact | NHL® Discover it® | Ocean Finance Card | Median |
|---|---|---|---|
| APR | 18.49% to 28.49%below the median | 39.9%highest quarter | 19.39 |
| Balance transfer intro period | 15 monthsat the median | 6 monthslowest quarter | 15 months |
| Balance transfer fee | 3%at the median | 2.9%below the median | 3% |
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
Ocean Finance Card
Pros
- The card is built for applicants with poor credit, and the eligibility check does not affect your credit score.
- Purchase protection covers spending inside a range set out in Credit limit of GBP 200 to GBP 8,000, Section 75 protection on purchases between GBP 100 and GBP 30,000 and Mobile app to make payments and check balance, so a supplier that fails to deliver has a claim route.
- Support runs on chat, phone and email, and the mobile app covers payments and balance checks.
Cons
- 39.9% sits above the 34.9% upper end of bad credit cards, so carrying a balance is expensive.
- Rewards on spending are none, so nothing comes back on everyday purchases.
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
Ocean Finance Card
Who it suits
- Applicants with poor credit who want a limit without paying an annual fee.
- Borrowers moving a balance who can cover the 2.9% transfer fee and clear it inside the intro period.
- People who put an eligibility check that leaves their credit score alone, and the purchase protection in Credit limit of GBP 200 to GBP 8,000, Section 75 protection on purchases between GBP 100 and GBP 30,000 and Mobile app to make payments and check balance, above cash back.
Who should look elsewhere
- Starling Personal Account Debit Card fits day to day spending from money already in an account, with a borrowing rate of 15% instead of revolving card interest.
- Chime Card (Secured Visa Credit Card) suits customers shopping in the US who want a secured line, with an annual fee of $0.
- Varo Believe Secured Credit Card suits savers who prefer a secured card, with an annual fee of $0.
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
Ocean Finance Card
Current offer
First period offer
0% for 6 months on balance transfers and purchases on the Ocean Credit Card: 0% for 6 months, 2.9% balance transfer fee
Representative 39.9% APR (variable) after the offer, purchase rate 39.94% APR (variable), credit subject to status
Source, checked September 26, 2026
Country by country
| Country | NHL® Discover it® | Ocean Finance Card |
|---|---|---|
| United Kingdom | 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.
Ocean Finance Card
What does it cost to hold the Ocean Finance Card?+
The annual fee is £0, so holding the card costs nothing to run. A balance transfer carries a fee of 2.9%, and anything left on the credit card balance is charged at 39.9% until it is paid.
What rate does the Ocean Finance Card charge?+
The rate is 39.9%, high against the bad credit card group, where the upper quartile sits at 34.9%. Interest only applies to balances you do not clear, so the card costs nothing extra if you pay in full each month.
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NHL® Discover it®
Ocean Finance Card