Updated October 13, 2026 · DebitCue Editorial Team
NHL® Discover it® vs SoFi Smart Card
NHL® Discover it®
Higher score in this comparison
SoFi Smart Card
Where NHL® Discover it® and SoFi Smart Card differ
| Compare | NHL® Discover it®ReviewSee alternativesSee alternatives | SoFi Smart CardReviewSee alternativesSee alternatives |
|---|---|---|
| Annual fee | $0 | Not confirmed |
| APR | 18.49% to 28.49% | Not confirmed |
| 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 |
| Balance transfer intro period | 15 months | Not confirmed |
| Balance transfer fee | 3% | Not confirmed |
| Credit needed | Good | Not confirmed |
| 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 | Not confirmed |
Same on both: Rewards type (Cashback), Card kind (Credit).
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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.
SoFi Smart Card
SoFi Smart Card pairs credit function with debit style access alongside cashback linked to card spending. It suits shoppers who value cashback on routine purchases and people who prefer everyday card based access for daily spending needs through one card product.
Score breakdown
| Area | NHL® Discover it® | SoFi Smart Card |
|---|---|---|
| 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%. | Not confirmed |
| Offer | 9.4Cashback on every purchase with a match on the first 15 of spending, plus good credit needed. | Not confirmed |
| Trust | 9.4 | Not confirmed |
How they place
| Ranking | NHL® Discover it® | SoFi Smart Card |
|---|---|---|
| Debit cards | 100 of 1336 | 1124 of 1336 |
| Credit cards | 96 of 1020 | 872 of 1020 |
| Cashback cards | 27 of 203 | 183 of 203 |
Every fact side by side
| Fact | NHL® Discover it® | SoFi Smart Card |
|---|---|---|
| Pricing model | No annual fee | Not confirmed |
| Features | Rewards | Rewards |
| Audience | Not confirmed | Business |
| Legal entity | Discover by Capital One, N.A. | SoFi Bank, National Association |
| Headquarters | United States | United States |
| Founded | 1985Lower | 2011 |
| Support channels | Phone, Chat, Help centre | Not confirmed |
Debit cards
| Fact | NHL® Discover it® | SoFi Smart Card |
|---|---|---|
| Monthly fee | Not confirmed | $0 |
| Card type | Not confirmed | Debit |
Where each stands against the rest
| Fact | NHL® Discover it® | SoFi Smart Card | Median |
|---|---|---|---|
| Annual fee | $0at the median | Not confirmed | $0 |
| APR | 18.49% to 28.49%below the median | Not confirmed | 19.39 |
| Balance transfer intro period | 15 monthsat the median | Not confirmed | 15 months |
| Balance transfer fee | 3%at the median | Not confirmed | 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
SoFi Smart Card
Pros
- Credit kind paired with debit type access through one everyday card
- Rewards in cashback form connected to routine card spending
- Unified card structure linking everyday spending with cashback rewards
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
SoFi Smart Card
Who it suits
- Shoppers who value cashback on routine spending
- People who prefer everyday card based access
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® | SoFi Smart Card |
|---|---|---|
| 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.
SoFi Smart Card
What type of card is SoFi Smart Card?+
SoFi Smart Card combines credit kind with debit type. It provides card based access for everyday spending through one product. Think about daily habits and whether that structure matches routine use patterns.
What rewards link to SoFi Smart Card?+
SoFi Smart Card includes rewards in cashback form. Rewards connect to spending made with the card during routine use. Consider the shops visited often and whether cashback matches personal daily routine.
Other options to compare
Other matchups
NHL® Discover it®
SoFi Smart Card