The NHL® Discover it® is a special version of the popular Discover it® card, offering the same 5% on purchases of products/services that rotate each quarter (up to $1,500 in purchases), with other stuff getting you 1% cash back. It also comes with an introductory period of 0% APR on both purchases and balance transfers for the first 12 months, after which a regular APR of 11.24% – 23.24% applies. In addition, the hockey fans get to choose their card design and benefit from 10% off at Shop.NHL.com and NHL.TV. Details are below…
- Cashback Match™ for new users.
- 5% cash back on rotating bonus categories that change each quarter.
- 0% introductory APR for 12 months on balance transfers and purchases.
- Choose card design based on your favorite team, and get 10% off at Shop.NHL.com and NHL.TV™.
- Regular APR of 11.24% – 23.24%.
- No foreign transaction fees.
- No annual fee.
How It Works
5% cash back on rotating categories: You earn 5% on purchases (up to $1,500) in categories that change each quarter. After $1500, you earn 1% cash back, and the same percentage applies to all other purchases.
Cashback Match™ sign-up offer: For new cardmembers, Discover will match all the cash back they’ve earned at the end of their first year – automatically.
0% Intro APR: Get first 12 months 0% APR on both purchases and balance transfers. After that, the APR comes to 11.24% – 23.24% based on your creditworthiness. Also, there is no penalty APR.
No foreign transaction fees: Makes Discover it® great for traveling abroad.
Easier on time payments: Discover will let you make your payments up until midnight on the due date. Even if you do end up paying late, you won’t be hit with a penalty APR.
And more: Additional Discover it® perks include a free FICO score (on your monthly statement and online), flight accident and rental car insurance, and access to the 100% U.S. based customer service call center.
Costs
- 0% Intro APR for 12 months on purchases and balance transfers, then 11.24% – 23.24%
- 3% Balance Transfer Fee
- $0 Foreign Transaction Fee
- $0 Annual Fee
Pros
- Cashback Match™ in your first year – new cardmembers, only.
- 0% introductory APR on both balance transfers and purchases – helps you get back on track..
- No foreign transaction fee, along with included flight accident and rental car insurance make Discover it® great for travelers.
- 10% off at Shop.NHL.com and NHL.TV™.
Cons
- Rotating categories can be hard to manage; but since you can get 5% cash back, some effort on your side is worth it.
- Limited card acceptance – Discover cards aren’t as widely accepted as Visa or MasterCard.
Is This the Card For You?
The NHL® Discover it® is great everyday card for hockey fans who also happen to be savvy shoppers that will find their way around rotating categories to get 5% cash back on their purchases. The card offers 12 months of interest-free purchases and balance carrying, so you could use it to potentially save hundreds on interest payments. Finally, some of the included perks make NHL® Discover it® (and the “regular” Discover it® for that matter) a solid choice for travelling abroad — there are no foreign transaction fees, and you’ll get flight accident and rental car insurance free of charge.