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Last Updated: 08/25/2025

NHL® Discover It®

in Credit Cards from Discover® Bank

Last Updated: 08/25/2025

Created by:

SuperMoney

Fact Checked by:

Andrew Latham

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Highlights

Purchase APR (Variable APR)

14.99% - 25.99%(Verified 06/21/2024)

Balance Transfer APR (Variable APR)

14.99% - 25.99%(Verified 06/21/2024)

Credit Score Range

650 - 850

Annual Fee

NHL® Discover It® Review

This is a cashback credit card issued by Discover® Bank. 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% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 15 months.
0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 15 months.
APRs: NHL® Discover It® has a variable regular 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.
A 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.
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 you have a fair credit score or better.

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 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.
You don't earn rewards on every purchase.
Charges a balance transfer fee of 3%

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.

NHL® Discover It® Rewards Breakdown

Description

Does NHL® Discover It® have a signup bonus?

This card doesn't offer a cash signup bonus.

Does NHL® Discover It® offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the NHL® Discover It® benefits?

NHL® Discover 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 for accounts that carry a balance (as of November 2024) is 22.80%. 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% .

Does NHL® Discover It® have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 0% for a period of 15 months.

NHL® Discover It® Balance Transfers

Description

Balance Transfer APR

14.99% - 25.99%

Balance Transfer Introductory APR

Balance Transfer Intro APR Period

15 months

Balance Transfer Fee %

Starting at 3%

Balance Transfer Fee Minimum

Balance Transfer Fee % After Intro Period

Does NHL® Discover It® have an intro APR offer on new purchases?

NHL® Discover It® Purchase Intro Offer

Description

Introductory Rate

Purchase Intro APR Period

15 months

This card does offer an intro APR rate of 0% on qualified purchases for a period of 15 months.

What are the fees for NHL® Discover It®?

NHL® Discover It® Fees

Description

Returned Payment Fee

$41

Annual Fee

No Foreign Transaction Fee?

No Annual Fee?

Late Fee Amount

$41

Minimum Cash Advance Fee ($)

$10

Cash Advance Fee (%)

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

There is a late fee of up to $41 .

What is the customer service phone number for NHL® Discover It®?

The customer service number for NHL® Discover It® is (800) 347-2683.

What is the support contact email for NHL® Discover It®?

The support contact email for NHL® Discover It® is service@email.discover.com.

How do people rate the customer service and user experience of NHL® Discover It®?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

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

Yes, NHL® Discover It® reports to the following credit bureaus:

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 build your credit.

Does Discover® Bank perform a hard credit pull?

Yes, NHL® Discover It® performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.

Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.

How to apply for NHL® Discover It®

Visit the website of NHL® Discover It®.
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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Headquarters

2500 Lake Cook Rd

Riverwoods, IL 60015

(800) 347-2683

Visit Site

Email Support

Hours of Operation

Sunday

Closed

Monday

9:00AM - 6:00PM

Tuesday

9:00AM - 6:00PM

Wednesday

9:00AM - 6:00PM

Thursday

9:00AM - 6:00PM

Friday

9:00AM - 6:00PM

Saturday

8:30AM - 1:00PM

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SuperMoney Net Recommendation Score

This product has no reviews yet. Help others by sharing your thoughts.

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.