NHL® Discover It®

NHL® Discover It® Review

This is a cashback card issued by . If you're wondering whether NHL® Discover It® is the right card for you, read on.

Key Takeaways

• Generous reward rate. You can get a rewards rate of up to 5x.
• 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 15 months, which is longer than the average 0% APR period of 12 months.
• 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 15 months.
• Competitive APRs. NHL® Discover It® has a variable purchase APR that ranges from 14.99% up to 25.99%.
• No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
• 3% Balance transfer fee. NHL® Discover It® charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
• Gas rewards. on eligible fuel purchases.
• Multiple credit card benefits. Includes generous credit card perks, such as identity theft protection, price protection, and fraud protection.
• Fair or better credit required. You will have good approval odds if your credit score is above 650.

Pros & Cons of NHL® Discover It®

The Good

The Bad

Get an unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically Potentially lower than average purchase APRs. 0% APR balance transfer intro rate on balance transfers for up to 15 months. 0% APR on new purchases during the first 15 months. There is then a variable purchase APR that ranges from 14.99% up to 25.99%. No annual fee. Multiple credit card perks. Free access to your credit score. Identity Theft Protection. Cardholders can earn rewards on their purchases. NHL® Discover It® reports to multiple credit bureaus.

Does not offer a signup bonus. Charges a 3% balance transfer fee. After the introductory period, the fee is 5% of the balance transferred or $5, whichever is greater.

NHL® Discover It® FAQ

Does NHL® Discover It® have a cash back or rewards program?

This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. You will receive 1% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash. However, you can earn up to 5% for purchases in a bonus category.

NHL® Discover It® Rewards

Minimum rewards rate	1x
Max rewards rate	5x
Annual rewards limit	N/A
Signup Bonus ($)

What are the NHL® Discover It® benefits?

It provides the following benefits:

• Free Credit Score
• Zero fraud liability
• Price Protection
• Reports to major credit bureaus

What are the relevant APRs for NHL® Discover It®?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.

NHL® Discover It® has a variable purchase APR that ranges from 14.99% up to 25.99%. The card has a variable balance transfer APR that ranges from 14.99% up to 25.99%. It also has a variable cash advance APR of 27.99% .

What are the fees for NHL® Discover It®?

The following fees apply:

NHL® Discover It® Fees

Fees	Amount
Annual Fee	$0
Returned Payment Fee	$41
Late Payment Fee	$41

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.

Does NHL® Discover It® report your account activity to credit bureaus?

Yes, NHL® Discover It® reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for NHL® Discover It®

• Visit the NHL® Discover It® website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
• Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.