Discover it Cash Back vs NHL® Discover it® Credit Card
Both cards cost $0/yr. The Discover it Cash Back leads on rotating quarterly; the NHL® Discover it® Credit Card on rotating quarterly.
Card data as of October 12, 2026.
- Discover it Cash Back
Discover · No annual fee
NHL® Discover it® Credit CardDiscover · No annual fee
Overview
- Annual fee
- Discover it Cash Back$0NHL® Discover it® Credit Card$0
- Welcome offerCurrent public offer
- Discover it Cash Back—NHL® Discover it® Credit Card—
- Rewards
- Discover it Cash BackCash backNHL® Discover it® Credit CardCash back
- Foreign transaction fee
- Discover it Cash BackNoneNHL® Discover it® Credit CardNone
- Network
- Discover it Cash BackDiscoverNHL® Discover it® Credit CardDiscover
Earn ratesPer $1 spent
- Rotating Quarterly
- Discover it Cash Back5%NHL® Discover it® Credit Card5%
- Everything else
- Discover it Cash Back1%NHL® Discover it® Credit Card1%
Perks & access— means none on record
- Other perks
- Discover it Cash Back
- Talk to a real person anytime, 24/7
- Save 3% on international purchases with no foreign fees
NHL® Discover it® Credit Card—
Protections & insuranceLimits where published · — means none on record
- Other protections
- Discover it Cash Back
- Freeze your account instantly from your phone
- FICO score monitoring
- First late payment fee is waived automatically
- Free daily monitoring for your credit and Social Security nu
- Start using your card instantly after approval
- Zero liability for any unauthorized charges
NHL® Discover it® Credit Card- Free FICO Credit Score + factors
Pros & cons
- Pros
- Discover it Cash Back
- Cashback Match doubles ALL rewards earned in first year - unlimited
- 5% cash back on rotating quarterly categories (up to $1,500 spend/quarter)
- No annual fee ever
- No foreign transaction fees (rare for no-AF cards)
- 0% intro APR for 15 months on purchases and balance transfers
NHL® Discover it® Credit Card— - Cons
- Discover it Cash Back
- Discover network has lower acceptance than Visa/Mastercard, especially internationally
- Must activate 5% categories each quarter or earn only 1%
- $1,500 quarterly cap on 5% categories limits high spenders
- After year one, effective earn rate drops significantly
- Base rate of 1% on non-bonus spending is below flat-rate alternatives
NHL® Discover it® Credit Card—
Year One vs Ongoing Value
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
Close — depends on how much of the credits you use
| Scenario | Discover it Cash Back | NHL® Discover it® Credit Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $120 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $120 Year one: $120 | Rewards: $120 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $120 Year one: $120 | Close — depends on how much of the credits you use | Close — depends on how much of the credits you use |
| Heavy spender: $4,000/month | Rewards: $480 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $480 Year one: $480 | Rewards: $480 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $480 Year one: $480 | Close — depends on how much of the credits you use | Close — depends on how much of the credits you use |
The Bottom Line
Close — depends on how much of the credits you use
Frequently Asked Questions
- Which card earns more rewards, the Discover it Cash Back or NHL® Discover it® Credit Card?
- Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
- Should I get the Discover it Cash Back or the NHL® Discover it® Credit Card?
- Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published October 12, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.