Which card earns more rewards, the Discover it Cash Back or NHL® Discover It®?

Both cards earn 0X 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®?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Which card earns more rewards, the Discover it Cash Back or NHL® Discover It®?

Both cards earn 0X 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®?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Which card earns more rewards, the Discover it Cash Back or NHL® Discover It®?

Both cards earn 0X 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®?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Discover it Cash Back vs NHL® Discover It®

Both cards cost $0/yr. The Discover it Cash Back is better for rotating quarterly, while the NHL® Discover It® wins on grocery stores. Here's how they compare.

Fees & Welcome Offer

Annual Fee

Welcome Bonus

150 cash

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Earn Rates

Category	Discover it Cash Back	NHL® Discover It®
Grocery Stores	1X	5X
Rotating Quarterly	5X	1X
Streaming	1X	5X
Wholesale Clubs	1X	5X

Benefits & Features

Network

DISCOVER

Key Benefits

None

Pros & Cons

Pros

+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

—

Cons

−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

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Category-by-Category Winner

The NHL® Discover It® wins in 3 of 4 categories. The Discover it Cash Back leads in 1.

Rotating Quarterly

Discover it Cash Back earns 5X vs 1X

Grocery Stores

NHL® Discover It® earns 5X vs 1X

Streaming

NHL® Discover It® earns 5X vs 1X

Wholesale Clubs

NHL® Discover It® earns 5X vs 1X

Which Card Is Right for You?

Get the NHL® Discover It® if you:

+Do most of your spending at grocery stores

Frequently Asked Questions

Which card earns more rewards, the Discover it Cash Back or NHL® Discover It®?: Both cards earn 0X 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®?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

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Discover it Cash Back — Full Review All Discover Cards

NHL® Discover It® — Full Review All Discover Cards

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Official issuer pages: Discover cards

Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.

Discover it Cash Back vs NHL® Discover It®

Both cards cost $0/yr. The Discover it Cash Back is better for rotating quarterly, while the NHL® Discover It® wins on grocery stores. Here's how they compare.