Discover it® NHL Card

Discover Discover Standard Pending

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12

Benefits

2

Reward Categories

5x

Max Reward

18.2%

APR From
Basic Information
PENDING

Program ID: nhl-discover-it-card

Issuer: Discover

Card Name: Discover it® NHL Card

Card Type: Credit

Network: Discover

Card Tier: Standard

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 17:25

Last Scraped: Jan 22, 2026 06:20

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
Rotating Categories
Rotating 		5x Cash Back Earn 5% Cash Back on everyday purchases at different places each quarter like gas stations, restaurants, Amazon.com and more, up to the quarterly maximum when you activate. No Cap
All Other Purchases 1x Cash Back Earn 1% unlimited Cash Back on all other purchases—automatically. No Cap
Rewards Summary
PENDING

Reward Type: Cash Back

Base Rate: 1x

Bonus Rate: 5x

Categories: Rotating quarterly categories (e.g., Gas Stations, Restaurants, Amazon.com, Grocery Stores, Digital Wallets, Target, Walmart, PayPal). Specific 2026 categories are not yet announced and will be revealed closer to the date.

Quarterly Rotating: Yes

Cap Amount: $1,500.00

Expiration Policy: Cash back rewards do not expire as long as your account is active.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Transfer Partners: None

Redemption Penalties: None

Benefits & Protections (Detailed) 12 Total
PENDING
Card Acceptance 1
Accepted Nationwide
99% acceptance

Accepted nationwide at 99% of places that take credit cards.

Cash Back 3
5% Cash Back on everyday purchases
5% cash back

Earn 5% Cash Back on everyday purchases at different places each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum, when you activate.

Unlimited 1% Cash Back on all other purchases
1% cash back

Earn unlimited 1% Cash Back on all other purchases—automatically.

Discover Cash Back Match
100% match of earned cash back

Discover will automatically match all the cash back you've earned at the end of your first year! This could be hundreds of dollars.

Customer Service 1
U.S.-based Customer Service
24/7 U.S.-based support

Talk to a real person any time with U.S.-based customer service.

Fees & Charges 4
No Annual Fee
$0

There is no annual fee for this credit card.

No Foreign Transaction Fees
$0

You will not be charged foreign transaction fees on purchases made outside the U.S.

No Late Fee on First Late Payment
$0 for first late payment

No late fee on your first late payment. After that, late fees can be up to $41.

No Penalty APR
No increase in APR for late payments

We don't raise your APR for late payment.

Financial Management 1
Free FICO® Score Access
Free access

See your FICO® Score for free on your monthly statements and online.

Security 2
Freeze it® On/Off Switch
Instant account freeze

Freeze it® on/off switch lets you prevent new purchases, cash advances & balance transfers on your account in seconds.

$0 Fraud Liability Guarantee
$0 liability

$0 Fraud Liability Guarantee means you're never responsible for unauthorized purchases on your Discover card.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Global Entry Credit: $0

TSA PreCheck Credit: $0

Sign-Up Bonus
PENDING

$0

Cash Back

Requirement: Spend $0 in 360 days

Timing: The welcome offer is Discover's 'Unlimited Cashback Match'. Discover will automatically match all the cash back you've earned at the end of your first year (after 12 consecutive billing cycles). There is no specific spending requirement to trigger the match, as it applies to all cash back earned. The matched cash back is typically credited to the account within 1-2 billing cycles after the end of the first year.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Penalty APR: 0.30%
Min Interest Charge: $0.50
Additional Fees
PENDING
Late Fee: $40.00
Returned Payment: $40.00
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 & APR
PENDING
Standard APR

Purchase APR: 18.24% - 29.24%

Balance Transfer APR: 29.24%

Cash Advance APR: 29.99%

Intro APR Offers

Intro Purchase APR: 0% for 15 months

Intro BT APR: 0% for 15 months

Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 850
Very Good
Supported
Application Process
Available
Not Available
Experian
Issuer Rules & Policies
PENDING

Rules: Applicants for the NHL Discover it Card must be 18 years or older, a U.S. resident, and possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). Approval typically requires a fair to excellent credit score (generally 670+ FICO) and verifiable income. A key application rule for 2026 is that applicants cannot hold another personal Discover credit card at the time of application for a new personal card. The card offers a dollar-for-dollar cashback match on all cashback earned during the first 12 months for new cardmembers.

Max Cards Per Issuer: 1

Min Spend Interval: N/A for traditional sign-up bonus; cashback match applies for the first 12 months.

Shutdown Risk Triggers: Manufactured spending, excessive credit limit increase requests, suspicious spending patterns (e.g., large gift card purchases, rapid cycling of funds), abuse of rewards programs, and failure to make timely payments.

Cliff Effect Rules: Based on the 'one personal card at a time' rule, individuals are generally ineligible to apply for a new personal Discover card if they currently hold an active personal Discover card. This effectively creates a hard limit on acquiring additional personal Discover cards.

Special Events: N/A

Holiday Promos: Discover's 5% rotating cashback categories frequently include merchants relevant to holiday shopping (e.g., Amazon, PayPal, Department Stores) during the fourth quarter (Q4) of the year.

International Friendly: Yes

User Analytics & Insights
PENDING
User Ratings

Average Rating: 4.2 / 5.0

Top Positive:
Excellent cash back rewards with rotating categories and cash back match. No annual fee, good customer service, and free FICO score access.

Top Negative:
Acceptance can be an issue in some international locations; rotating categories require activation and tracking.

Approval Experience: 80.0 / 100

Recommended Alternatives
  • Chase Freedom Flex
  • Citi Custom Cash Card
  • Capital One SavorOne Cash Rewards Credit Card

Card Value Score: 85.0 / 100

Est. Annual Rewards: $390.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v_January_2024