Discover it® NHL Card
Basic Information
Program ID: nhl-discover-it-card
Issuer: Discover
Card Type: Credit
Network: Discover
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 17:25
Last Scraped: 01/15/2026 17:27
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Balance Transfer: | 3% of the amount of each transfer |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 1,824.00% - 2,824.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 15 months
Balance Transfer APR: 1,824.00%
Intro BT APR: 0.00%
Intro BT Duration: 15 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $0.00
Spending Requirement: $0.00
Time Period: 365 days
Bonus Timing: Discover automatically matches all the cash back earned at the end of your first year. The matched cash back will be added to your account after the 12th billing cycle closes.
Rewards Program
Reward Type: Cash Back
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: Rotating quarterly categories (e.g., Gas Stations, Restaurants, Digital Wallets, Grocery Stores, Amazon.com, Target, PayPal, etc.). Specific 2026 categories are not yet announced and cannot be predicted.
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as account is active.
Transfer Partners: None
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: The NHL Discover it Card offers a unique bonus for new cardmembers: Discover will automatically match all the cashback earned at the end of the first year. This means if you earn $300 cashback, Discover will match it with an additional $300, totaling $600. Eligibility requirements include being 18 years or older, a U.S. resident, and possessing a valid Social Security Number (SSN). A critical application rule for Discover is the 'one personal card at a time' policy, meaning applicants cannot hold another personal Discover credit card simultaneously. The card has no annual fee and is often recommended for individuals looking to build or rebuild their credit.
Maximum Cards Per Issuer: 1
Minimum Spend Interval: First 12 months of card membership for cashback match calculation
Shutdown Risk Triggers: Manufactured spending (MS), abuse of rewards programs (e.g., excessive returns after earning rewards), frequent balance transfers without new spending, sudden uncharacteristic spending patterns, failure to make timely payments, providing inaccurate information on application.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.0 / 5.0
Top Positive Feedback:
Excellent customer service, great cash back rewards, especially with the first-year match, and good for building credit.
Top Negative Feedback:
Rotating categories require activation and can be restrictive; lower acceptance internationally compared to Visa/Mastercard.
Approval Experience Score: 85.0 / 100
Recommended Alternatives
- Chase Freedom Flex
- Capital One Quicksilver
- Citi Custom Cash
Card Value Score: 75.0 / 100
Est. Annual Rewards: $375.00
User Portfolio Metrics
Avg Portfolio Size: 2 cards
Avg Portfolio Age: 36 months
Store vs Co-brand: 100% General / 0% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0
Last Updated: 10/01/2023 00:00