Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
Both cards cost $0/yr. The NHL® Discover It® leads on grocery stores; the Discover it® Student Chrome on gas stations.
Card data as of September 27, 2026.
Annual Fee
Welcome Bonus
| Category | NHL® Discover It® | Discover it® Student Chrome |
|---|---|---|
| Grocery Stores | 5X | 1X |
| Streaming | 5X | 1X |
| Wholesale Clubs | 5X | 1X |
| Dining | 1X | 2X |
| Gas Stations | 1X | 2X |
Network
Key Benefits
Pros
Cons
No unconditional category winner — 5 categories depend on how you earn.
Grocery Stores
Depends: up to $1,500/quarter
NHL® Discover It® earns 5X when conditions are met; Discover it® Student Chrome earns 1X (1X without restrictions)
Streaming
Depends: up to $1,500/quarter
NHL® Discover It® earns 5X when conditions are met; Discover it® Student Chrome earns 1X (1X without restrictions)
Wholesale Clubs
Depends: up to $1,500/quarter
NHL® Discover It® earns 5X when conditions are met; Discover it® Student Chrome earns 1X (1X without restrictions)
Gas Stations
Depends: up to $1,000/quarter
Discover it® Student Chrome earns 2X when conditions are met; NHL® Discover It® earns 1X (1X without restrictions)
Dining
Depends: up to $1,000/quarter
Discover it® Student Chrome earns 2X when conditions are met; NHL® Discover It® earns 1X (1X without restrictions)
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
Close — depends on how much of the credits you use
| Scenario | NHL® Discover It® | Discover it® Student Chrome | 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 |
Get the NHL® Discover It® if you:
Get the Discover it® Student Chrome if you:
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
