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NHL® Discover it® Card: Is It a Good Card For Hockey Fans?

Opinions, analyses, reviews, or recommendations expressed here are the author’s alone, and have not been reviewed or endorsed by the issuer. We may be compensated through the issuer’s Affiliate Program. For a full list of our advertisers, including American Express, see our disclosure page.

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"If you are an avid NHL fan who supports his or her team by buying merchandise, this card gives unparalleled savings."

Contents

The NHL® Discover it® Card is a very good rotating category cash back credit card. It is only slightly different from the regular Discover it® ­- Cashback Match™, which is one of our favorite cash back cards. This card is made for NHL fans who like to buy official gear from the online NHL store. When using the card, along with the promo code ITPAYS, you can get 10% off at shop.NHL.com. We believe this card to be a great deal for hockey fans who always find themselves ordering official team gear and merchandise. Your card can even have a custom design, featuring any one of the 30 NHL teams.

The NHL® Discover it® Card Pros:

  • No annual fee
  • 10% discount on NHL gear
  • Up to 5% back on certain purchases, up to $1,500

The NHL® Discover it® Card Cons:

  • Not very good for individuals who spend over $2,000 per month
  • Discover network not as widely accepted as Visa, Mastercard, or American Express

Review: Is the NHL® Discover it® Card Worth It?

The NHL® Discover it® Card is a must-have credit card for hockey fans who like to buy gear from the online NHL store. This card provides a 10% discount on those purchases, provided that you enter the code ITPAYS when checking out. You can’t get a deal this good with any other credit card – most rewards cards can produce a rewards rate of 5% at best.

This credit card is also a decent everyday rewards card, provided your spending aligns with the NHL® Discover it® Card bonus calendar to maximize rewards. On top of great rewards on spending, what makes this a decent everyday card are some of the Discover-wide benefits. All Discover cardmembers can check their FICO score free of charge online and on their monthly statements. Users can also "turn off" their card whenever it becomes misplaced, then turn it back "on", should it be found - all with the use of a simple mobile app. This benefit, called Freeze it®, helps users prevent their card from being used by other individuals should it become lost or stolen. This level of management, which few other cards have, gives users unparalleled control over their card and credit score.

Individuals who are looking for the best short-term rewards and savings might want to opt for a card with a welcome bonus – something the NHL® Discover it® Card lacks. For example, the Chase Freedom® earns its users a $150 bonus when they spend $500 in purchases within the first 3 months of card membership. That means, if you only want a one-time specific purchase from the NHL’s website, you are better off using the Chase Freedom®.

Overall, there are no carrying costs in applying for the NHL® Discover it®, since it has no annual fee. You can use the card to get the most out of it for their seasonal bonuses and your NHL shop purchases, and rely on other cards whenever they are better suited for an individual purchase.

NHL® Discover it® Card Benefits & Features

Annual Fee $0
Purchase APR 11.99% - 23.99% Variable
Card Details
  • Choose your favorite team & show your pride - all 31 teams available. Save 10% at Shop.NHL.com and NHL.TV™.
  • You could turn $150 into $300 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • Earn 5% cash back at Amazon.com and Target now through December 2017, on up to $1,500 in purchases when you activate. Plus, 1% cash back on all other purchases.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • New! Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information. ©NHL

The NHL® Discover it® Card is a cash back card with rotating categories, which earns you 5% back on categories that change each quarter up to a quarterly maximum when you sign up, or 1% cash back depending on where and when you are doing your shopping. You can earn 5% back on categories that change every quarter, up to a maximum of $1,500 in combined purchases. All other purchases earn an unlimited 1% cash back. For example, if you were to use the NHL® Discover it® Card to buy $1,600 worth of movie tickets during this current quarter, you like movies a whole lot more than the average human being. For that, you'll get a total of $76 in savings - the first $1,500 will receive 5% back resulting in $75 bonus category rewards. Then, the remaining $100 receives just 1% cash back, or $1.

5% Bonus Cash Back Calendar

The following table outlines the 2016 calendar year 5% bonus categories for the NHL® Discover it® Card. 

Months Categories
Jan - Mar Gas & Ground Transportation
Apr - Jun Restaurants & Movies
Jul - Sep Home Improvement & Amazon.com
Oct - Dec Amazon.com & More

NHL Benefits & Savings

Outside of the credit card’s regular cash back rewards, you can get a 10% discount on purchases at shop.NHL.com by using the NHL® Discover it® Card. In order to take advantage of this offer you must enter the promo code ITPAYS when checking out. The regular 1% cash back bonus still applies to your purchases, and stacks on top of the 10% NHL gear discount. That means, you can think of the total discount on NHL purchases as being 10.9% - the 10% is immediate, while the .9% can be redeemed like all other regular Discover it rewards.

Every once in a while, one of Discover’s bonus quarters will include an “Online Shopping” category. To NHL fans who don’t mind waiting to pick up a jersey, or other merchandise, we recommend waiting for this category to come through. In that way, you can stack the 5% cash back bonus category, on top of the instant 10% discount, for a total savings of 14.5%.

NHL® Discover it® Card Comparisons

Some cash back credit cards will not have rotating bonus categories, and instead reward users with a flat cash back rate on all spending. The two best examples of this are the Citi Double Cash and the Capital One® Quicksilver® Cash Rewards Credit Card. The advantage these cards provide is more spending freedom, and unlimited rewards potential. Only a small portion of your total spending has to fall into the 5% bonus categories of rotating cash back cards in order for their savings to be better than a flat rate credit card. You can see the overall rewards rate below.

% Of Spending in Bonus Categories Overall Rewards Rate
10% 1.4%
25% 2.0%
50% 3.0%
100% 5.0%

Spending just 15% inside the bonus categories will net you an effective rewards rate greater than 1.5%, while 25% is needed to overtake a 2% cash back card. It is important to keep in mind all of this applies exclusively to spending within the bonus cap. If you spend over $1,500 you will go back to earning a measly 1% on all spending. If you spend over $6,000 every quarter on your credit card, you will be better off with a 2% flat rate card.

NHL® Discover it® Card vs Citi® Double Cash Card - 18 month BT offer

We recommend the Citi® Double Cash Card - 18 month BT offer to consumers who fit one of two molds. Firstly, if 25% of your total spending doesn't fall into the NHL® Discover it® Card bonus categories, you should get the Citi® Double Cash Card - 18 month BT offer. If you think you can meet the NHL® Discover it® Card bonus categories at least 25% of the way, you should next consider your total quarterly spending. If you, on average, spend more than $2,000 a month on your credit card then, once again, we recommend going with the Citi® Double Cash Card - 18 month BT offer instead. Since both cards have no annual fee, there are also no maintenance fees with getting both of them! Use the NHL® Discover it® Card for its 5% discounts, and then the Citi® Double Cash Card - 18 month BT offer on all other purchases.

NHL® Discover it® Card vs Capital One® Quicksilver® Cash Rewards Credit Card

The Capital One® Quicksilver® Cash Rewards Credit Card earns users 1.5% cash back across purchases. This means that you have to spend just 15% in the NHL® Discover it® Card bonus categories, in order to outperform the Quicksilver® card. The only way in which the distribution of your spending won’t matter is if you spend over $12,000 each quarter. If that’s the case, then the Capital One® Quicksilver® Cash Rewards Credit Card’s unlimited 1.5% rewards overtake all the rewards from the NHL® Discover it® Card. One additional consideration to make is bonuses. The Capital One® Quicksilver® Cash Rewards Credit Card, unlike the NHL® Discover it® Card, comes with a $150 bonus if users spend at least $500 in purchases within the first 3 months of card membership. This reward boosts the short-term value of the card.

NHL® Discover it® Card vs Chase Freedom®

In the realm of rotating category cash back credit cards, Discover and Chase reign supreme. These cards offer the best incentives rewards for consumers for this card type. When comparing the NHL® Discover it® Card against cards like the Chase Freedom®, one should consider the rewards calendars. The card whose 5% bonus categories best line up with your spending is the superior choice. The Chase Freedom®, like the NHL® Discover it® Card, can earn users 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter. The table below shows the differences between the two calendars for each credit card for 2016.

CardQtr. 1Qtr. 2Qtr. 3Qtr. 4
Chase Freedom® Gas Stations, Local Commuter Transportation Grocery Stores & Wholesale Clubs Restaurants Holiday Shopping
NHL® Discover it® Card Gas & Ground Transportation Restaurants & Movies Home Improvement & Amazon.com Amazon.com & More

The Chase Freedom® has one very valuable benefit going for it: its bonus. Users can earn a $150 Bonus after spending $500 on purchases in your first 3 months from account opening. The NHL® Discover it® Card falls short in this regard, as it has no welcome offers for new cardmembers.

Comparison Tool

You can use our credit card tool below in order to see which cards are best suited for you, based on your individualized spending.

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Card Annual Fee 2-yr Net Rewards Rate

The Net Rewards Rate is equal to the Rewards Value over two years divided by the total spending. The total spending is equal to the values entered into the tool and multiplied by 24 months. See the Rewards Value note to see details on how it is calculated.

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Bonus Value

The bonus field shows our estimate for the value of the card’s sign-up bonus. If the bonus is point or mile based, we multiply the total bonus points/miles by our estimate for their value to arrive at a dollar equivalent. We display $0 if there is no bonus or if the user doesn’t qualify for the bonus based on the current spending entered into the tool.

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

2-yr Rewards Value

The Rewards Value is calculated by adding together the rewards earned from charging purchases to the card over two years and any sign-up bonuses (if applicable). They are then multiplied by our estimated point/mile value, with any annual fees (if applicable) subtracted. All values are based on our own estimates for the dollar value of any points, miles or bonuses earned using a card.

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Capital One® Quicksilver® Cash Rewards Credit Card
$0 1.85%
$150
Get $150 bonus after spending $500 within the first 3 months
$665
Graph Card Read Review More Details
Annual Fee $0
APR 13.99% - 23.99% (Variable)

Card Details

  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Use your Quicksilver card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 9 months; 13.99%-23.99% variable APR after that
  • Balance transfers also have a 0% intro APR for 9 months; 13.99%-23.99% variable APR after that; a 3% fee applies to each balance transferred
  • Pay no annual fee or foreign transaction fees

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 515 x $1 = $515
Bonuses
0 x $1 = $150
Total Net Estimated Rewards Through 24 Months 665
Discover it® ­- Cashback Match™
$0 1.43%
$171
Discover gives a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically. (New cardmembers only)
$514
Graph Card Read Review More Details
Annual Fee $0
APR 11.99% - 23.99% Variable

Card Details

  • New! Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • You could turn $150 into $300 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • Earn 5% cash back at Amazon.com and Target now through December 2017, on up to $1,500 in purchases when you activate. Plus, 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 343 x $1 = $343
Bonuses
171 x $1 = $171
Total Net Estimated Rewards Through 24 Months 514
NHL® Discover it® Card
$0 1.43%
$171
Discover gives a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically. (New cardmembers only)
$514
Graph Card Read Review More Details
Annual Fee $0
APR 11.99% - 23.99% Variable

Card Details

  • Choose your favorite team & show your pride - all 31 teams available. Save 10% at Shop.NHL.com and NHL.TV™.
  • You could turn $150 into $300 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • Earn 5% cash back at Amazon.com and Target now through December 2017, on up to $1,500 in purchases when you activate. Plus, 1% cash back on all other purchases.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • New! Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information. ©NHL

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 343 x $1 = $343
Bonuses
171 x $1 = $171
Total Net Estimated Rewards Through 24 Months 514
Chase Freedom®
$0 1.37%
$150
Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
$493
Graph Card Read Review More Details
Annual Fee $0
APR 15.99% - 24.74% Variable

Card Details

  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Enjoy new 5% categories each quarter like gas stations, restaurants and drugstores
  • Unlimited 1% cash back on all other purchases - it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.99-24.74%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • No annual fee

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 343 x $1 = $343
Bonuses
0 x $1 = $150
Total Net Estimated Rewards Through 24 Months 493

Comments and Questions

* See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the issuer's website.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program. 

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Advertiser Disclosure: Some of the offers that appear on this website are from companies which ValuePenguin receives compensation. This compensation may impact how and where offers appear on this site (including, for example, the order in which they appear). The site does not review or include all companies or all available products. For more information please see our Advertiser Disclosure.