Updated September 28, 2026 · DebitCue Editorial Team
NHL® Discover it® vs Virgin Atlantic Reward Credit Card
NHL® Discover it®
Higher score in this comparison
Virgin Atlantic Reward Credit Card
What sets them apart
| Compare | NHL® Discover it®ReviewSee alternativesSee alternatives | Virgin Atlantic Reward Credit CardReviewSee alternativesSee alternatives |
|---|---|---|
| APR | 18.49% to 28.49%Lower | 27.9% |
| Balance transfer intro period | 15 months | 21 monthsHigher |
| Balance transfer fee | 3% | 2.95%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 | Up to 21 months 0% interest on balance transfers, Up to 21 months 0% interest on purchases, Money transfer option, Virgin Money Cashback offers in the credit card app, 24/7 in app chat support with Redi, Virgin Money Rewards and Virgin Red offers |
| Annual fee | $0 | Not confirmed |
| Currency conversion fee | Not confirmed | 0% |
| 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: Rewards type (Cashback), Card kind (Credit).
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Key differences
- APR is lower at NHL® Discover it®: 18.49% to 28.49% vs 27.9%.
- Balance transfer fee is lower at Virgin Atlantic Reward Credit Card: 2.95% vs 3%.
- Balance transfer intro period is higher at Virgin Atlantic Reward Credit Card: 21 months vs 15 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 Virgin Atlantic Reward Credit Card offers Up to 21 months 0% interest on balance transfers, Up to 21 months 0% interest on purchases, Money transfer option.
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.
Virgin Atlantic Reward Credit Card
The Virgin Atlantic Reward Credit Card is a credit card from Nationwide Building Society, trading as Virgin Money, and it suits anyone clearing an existing balance while earning cashback. The interest free transfer window runs 21 with a fee of 2.95%, and support runs through chat, help centre and phone.
Score breakdown
| Area | NHL® Discover it® | Virgin Atlantic Reward Credit 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%. | 9.1Purchases run at 27.9% against a typical 20.97% on the site, while £0 keeps the account fee at nothing. |
| Offer | 9.4Cashback on every purchase with a match on the first 15 of spending, plus good credit needed. | 9.4Rewards are cashback, with a money transfer option and an interest free period on purchases. |
| Trust | 9.4 | Not confirmed |
Pick NHL® Discover it® if, pick Virgin Atlantic Reward Credit Card if
Pick NHL® Discover it® if apr matter most.
Pick Virgin Atlantic Reward Credit Card if balance transfer intro period and balance transfer fee matter most.
Sources behind this comparison
NHL® Discover it®
- discover.com: 12 facts, checked September 26, 2026
- en.wikipedia.org: 2 facts, checked September 26, 2026
- capitalone.com: 1 fact, checked September 26, 2026
Virgin Atlantic Reward Credit Card
- uk.virginmoney.com: 11 facts, checked September 26, 2026
How they place
| Ranking | NHL® Discover it® | Virgin Atlantic Reward Credit Card |
|---|---|---|
| Debit cards | 100 of 1336 | 114 of 1336 |
| Credit cards | 96 of 1020 | 112 of 1020 |
| Balance transfer cards | 3 of 35 | 4 of 35 |
| Cashback cards | 27 of 203 | 40 of 203 |
Every fact side by side
| Fact | NHL® Discover it® | Virgin Atlantic Reward Credit Card |
|---|---|---|
| Pricing model | No annual fee | Not confirmed |
| Features | Rewards | Rewards |
| Legal entity | Discover by Capital One, N.A. | Nationwide Building Society (trading as Virgin Money) |
| Headquarters | United States | United Kingdom |
| Founded | 1985 | Not confirmed |
| Support channels | Phone, Chat, Help centre | Chat, Help centre, Phone |
Debit cards
| Fact | NHL® Discover it® | Virgin Atlantic Reward Credit Card |
|---|---|---|
| Monthly fee | Not confirmed | £0 |
| Card type | Not confirmed | Debit |
Where each stands against the rest
| Fact | NHL® Discover it® | Virgin Atlantic Reward Credit Card | Median |
|---|---|---|---|
| Annual fee | $0at the median | Not confirmed | $0 |
| APR | 18.49% to 28.49%below the median | 27.9%highest quarter | 19.39 |
| Currency conversion fee | Not confirmed | 0%below the median | 1% |
| Balance transfer intro period | 15 monthsat the median | 21 monthsabove the median | 15 months |
| Balance transfer fee | 3%at the median | 2.95%below the median | 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
Virgin Atlantic Reward Credit Card
Pros
- The listed Up to 21 months 0% interest on balance transfers, Up to 21 months 0% interest on purchases and Money transfer option put an interest free period on purchases alongside the balance transfer offer, so everyday spending can run interest free too while an old balance is being cleared.
- Help runs through chat, help centre and phone, with chat with Redi in the card app day and night for a quick answer on a charge or a transfer.
- The issuer is Nationwide Building Society (trading as Virgin Money), regulated in the UK by the Prudential Regulation Authority under reference 106078.
Cons
- Purchases run at 27.9%, above the typical 20.97% across the site, so a balance carried beyond the interest free window is costly to keep.
- It sits at position 105 of 133 brands on APR, which leaves less expensive rates sitting elsewhere in the comparison.
- Transfers cost 2.95% each, and 21 is the maximum interest free window offered rather than a fixed run for every applicant.
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
Virgin Atlantic Reward Credit Card
Who it suits
- Anyone clearing a balance on an existing card and willing to pay 2.95% for 21 of interest free running.
- Existing Virgin Money customers who already use the app, since the listed Up to 21 months 0% interest on balance transfers, Up to 21 months 0% interest on purchases and Money transfer option are built around in app chat and cashback offers.
- Cashback shoppers who want an interest free period on purchases as well as on transfers, with both covered in the Up to 21 months 0% interest on balance transfers, Up to 21 months 0% interest on purchases and Money transfer option.
Who should look elsewhere
- Not for anyone after the lowest possible rate: the Varo Believe Secured Credit Card is listed at 0%, though it works as a secured card.
- Not for pure everyday spending from an account balance, where the Starling Personal Account Debit Card at 15% is the simpler arrangement.
- Not for paying interest month to month, since the AXI Card Tarjeta y Credito lists 21.59% against 27.9% here.
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
Virgin Atlantic Reward Credit Card
Current offer
Bonus
0% interest for up to 21 months on balance transfers and purchases on the all round credit card: 0% for up to 21 months, 2.95% balance transfer fee
Promotional offer varies based on your circumstances and starts from account opening date; applies to transfers made in the first 60 days. Credit is available, subject to status, only to UK residents aged 18 or over.
Source, checked September 26, 2026
Bonus
Get 0% interest on balance transfers for up to 36 months on the balance transfer credit card: 0% for up to 36 months, fee per transfer
Promotional offer varies based on your circumstances and starts from account opening date. Applies to transfers made in the first 60 days. Fees and terms apply.
Source, checked September 26, 2026
Bonus
Virgin Money Cashback from selected top retailers on the Everyday Cashback Credit Card: up to 12% additional cashback
Register in the Virgin Money Credit Card app. Terms apply. Cashback credited monthly; does not count towards your monthly minimum payment.
Source, checked September 26, 2026
First period offer
Everyday Cashback introductory rate: 1% cashback for the first 90 days, then 0.25%, up to £15 a month
90 days starts from when the account opens; cashback deducted from your card balance monthly. Other fees may apply.
Source, checked September 26, 2026
Country by country
| Country | NHL® Discover it® | Virgin Atlantic Reward Credit 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.
Virgin Atlantic Reward Credit Card
What does it cost to hold and to borrow?+
The monthly fee is £0, so holding the account adds nothing in account fees. Borrowing is the expensive part: purchases run at 27.9%, and each balance transfer costs 2.95%. The transfer figure is the one to weigh against a card that charges nothing to move a balance.
How long is the interest free period on a balance transfer?+
The interest free window on balance transfers runs 21, and moving a balance costs 2.95%. Once that window ends the purchase rate of 27.9% is what applies, so the card works when the balance is cleared inside the period. Treat the window as the maximum rather than a fixed run.
Other options to compare
Other matchups
NHL® Discover it®
Virgin Atlantic Reward Credit Card