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NHL® Discover it®
NHL® Discover it®
- 17.24% to 28.24% variable based on creditworthiness and Prime Rate Regular Purchase APR
- 17.24% to 28.24% variable based on creditworthiness and Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
- 0% for 18 months from date of account opening date Intro Purchase APR
At a Glance
The NHL Discover It is a cash back credit card that offers enhanced earning potential in a selection of rotating categories, but with an NHL touch. Cardholders earn 5% back on purchases in categories that rotate each quarter, and 1% on all other purchases. The card also features 0% intro APR for the first 15 months on purchases and balance transfers, Discover’s 100% U.S.-based customer service, and no foreign transaction fees and no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Save 10% at Shop.NHL.com with the code ITPAYS. Save 10% on your NHL.TVTM subscription when you use your Discover card
- Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate. Plus unlimited 1% cash back on all other purchases
- Discover automatically matches all the cash back you've earned at the end of your first year—only for new cardmembers
- View your FICO® score for free on monthly statements, mobile, and online
- Choose your team, show your pride - all 31 team logos are available as card art
- No annual fee
- Intro Purchase APR: 0% for 18 months from date of account opening date
- Regular Purchase APR: 17.24% to 28.24% variable based on creditworthiness and Prime Rate
- Intro Balance Transfer APR: 0% for 18 months from date of first transfer
- Balance Transfer APR: 17.24% to 28.24% variable based on creditworthiness and Prime Rate
- Balance Transfer Transaction Fee: 3% of the amount of transfers that post at the promotional rate. After that, 5% of the amount of each transfer
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Late Payment Penalty Fee: None the first time you pay late. After that, up to $41
- Return Payment Penalty Fee: Up to $41
- You want to earn 5% back on select categories each quarter, including restaurants, gas stations, select rideshares, and online shopping.
- You don’t want to pay an annual fee or foreign transaction fees
- You want to support your favorite NHL team
- You want a card where Discover will match all the cash they earn for the first year
Discover it® Chrome Gas & Restaurants
Discover it® Chrome Gas & Restaurants
- 17.24% to 28.24% variable based on creditworthiness and Prime Rate Regular Purchase APR
- 17.24% to 28.24% variable based on creditworthiness and Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
- 0% for 15 months from date of account opening Intro Purchase APR
At a Glance
The Discover It Chrome Gas & Restaurants Card is a simple cash back credit card that offers improved savings on fill-ups and chow downs. The card earns 2% cash back on purchases at gas station and restaurant purchases and 1% back on everything else. Discover also matches the total amount of cash back earned after the first year, meaning cardholders get double their money back automatically. The card also features 0% intro APR on balance transfers and purchases for the first 15 months and no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 2% cash back at gas stations and restaurants on up to $1,000 per quarter
- 1% cash back on all other purchases
- Discover will match all cash back earned by the cardholder at the end of their first year of card use; there is no limit to the amount of cash back that will be matched
- Cash back rewards never expire
- Get a free Credit Scorecard with your FICO® Credit Score
- No annual fee
- Intro Purchase APR: 0% for 15 months from date of account opening
- Regular Purchase APR: 17.24% to 28.24% variable based on creditworthiness and Prime Rate
- Intro Balance Transfer APR: 0% for 15 months from date of first transfer
- Balance Transfer APR: 17.24% to 28.24% variable based on creditworthiness and Prime Rate
- Balance Transfer Transaction Fee: Intro fee of 3% of the amount of each transfer for transfers that post to your account by June 10, 2022 with the 0% intro APR balance transfer offer described above. After that, 5% of the amount of each transfer
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Late Payment Penalty Fee: None the first time you pay late. After that, up to $41
- Return Payment Penalty Fee: Up to $41
- You want to earn 2% back on gas and restaurant purchases all year
- You don’t want to pay an annual fee
- You want to take advantage of Cashback Match – only from Discover
- You prefer a card with no foreign transaction fees
- You want 0% intro APR on purchases and balance transfers for 15 months
Discover it® Chrome for Students
Discover it® Chrome for Students
- 18.24% to 27.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 18.24% to 27.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
- 0% for 6 months from date of account opening date Intro Purchase APR
At a Glance
The Discover it Chrome for Students is a student credit card and cash back rewards card that allows college students to earn 2% cash back on gas and restaurants, plus 1% cash back on everything else. In addition to not having to worry about an annual fee, students who maintain a GPA of 3.0 or higher will receive a $20 statement credit each school year.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Get $20 statement credit each school year your GPA is 3.0 or higher for up to next five years
- Earn 2% cash back at gas and restaurants on up to $1,000 in combined purchases each quarter. Plus 1% cash back on all other purchases
- Discover matches all the cash back you've earned at the end of your first year, automatically
- Cash back rewards do not expired and can be redeemed at any time
- 0% intro APR on purchases for 6 months
- No annual fee, no late fee on first late payment. No APR change for paying late
- Intro Purchase APR: 0% for 6 months from date of account opening date
- Regular Purchase APR: 18.24% to 27.24% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 10.99% for 6 months from date of first transfer
- Balance Transfer APR: 18.24% to 27.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: 3% of the amount of each transfer posted at the promotional rate. After that, 5% of the amount of each transfer
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Late Payment Penalty Fee: None the first time you pay late. After that, up to $41
- Return Payment Penalty Fee: Up to $41
- You're planning on commuting to college
- You plan to eat out rather than in the cafeteria
- You want a card that rewards a good school year, as your GPA can get you extra savings
- You want to take advantage of Cashback Match – only from Discover
- You don’t want to pay an annual fee
Discover it® Secured
Discover it® Secured
- 28.24% variable based on the Prime Rate Regular Purchase APR
- 28.24% variable based on the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The Discover it® Secured card is ideal for cardholders hoping to build or rebuild their credit. Responsible use will not only raise their credit score, but it will also earn them 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases each quarter.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 2% cash back at restaurants or gas stations on up to $1,000 in combined purchases each quarter. Plus 1% cash back on all other credit card purchases
- Discover automatically matches all the cash back you've earned at the end of your first year
- Easily view your FICO® Credit Score on monthly statements, mobile and online for free
- Automatic account reviews begin after 7 months of use to see if cardholders can transition to an unsecured line of credit and have their deposit returned
- No annual fee
- Regular Purchase APR: 28.24% variable based on the Prime Rate
- Intro Balance Transfer APR: 10.99% for 6 months from date of first transfer for transfers that post by November 10, 2023
- Balance Transfer APR: 28.24% variable based on the Prime Rate
- Balance Transfer Transaction Fee: 3% of the amount for each transfer that posts at the promotional rate. After that, 5% of the amount of each transfer
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Late Payment Penalty Fee: None the first time you pay late. After that, up to $41
- Return Payment Penalty Fee: Up to $41
- Minimum Deposit Required: $200
- You want to build or rebuild your credit with Discover
- You want 2% cash back at gas stations and restaurants
- You don’t think you should pay an annual fee to boost your credit score
Discover it® Miles
Discover it® Miles
- 17.24% to 28.24% variable based on creditworthiness and Prime Rate Regular Purchase APR
- 17.24% to 28.24% variable based on creditworthiness and Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
- 0% for 15 months from date of account opening Intro Purchase APR
At a Glance
The Discover It Miles Card is a straightforward travel card designed for those who want an easy way to earn miles. The card earns a flat-rate 1.5 miles per dollar spent on purchases, with Discover matching the total number of miles earned for the first year. The card also comes with 0% intro APR for 14 months on purchases, no annual fee, and no foreign transaction fees.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn unlimited 1.5x Miles for every dollar spent on all purchases
- Automatic cashback match your first year
- Redeem your Miles as a statement credit with no blackout dates
- Earnings never expire
- Intro Purchase APR: 0% for 15 months from date of account opening
- Regular Purchase APR: 17.24% to 28.24% variable based on creditworthiness and Prime Rate
- Intro Balance Transfer APR: 0% for 15 months from date of first transfer
- Balance Transfer APR: 17.24% to 28.24% variable based on creditworthiness and Prime Rate
- Balance Transfer Transaction Fee: 3% of the amount of each transfer posted at the promotional rate. After that, 5% of the amount of each transfer
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Late Payment Penalty Fee: None the first time you pay late. After that, up to $41
- Return Payment Penalty Fee: Up to $41
- You plan to use this card to book travel frequently
- You don’t expect to use the card outside of the United States
- You want to double your miles after the first year automatically
- You don’t want to pay an annual fee
You've viewed 5 of 8 credit cards
Discover Credit Cards
Discover is one of the most popular credit card issuers in the United States. The company, which also offers full banking services, currently has nearly 40 million credit cardholders, making it the number nine card issuer in the nation.
Benefits of Having a Discover Card
One of the key advantages of having a Discover credit card is the generous rewards program. Discover offers many rewards, including cash back, miles, and points. With the Discover it® Cash Back Card, you can earn up to 5% cashback on rotating categories each quarter. This means that you can earn cashback on everyday purchases such as groceries, gas, and dining out.
Another benefit of having a Discover credit card is the excellent customer service. Discover has consistently been ranked as one of the top credit card issuers regarding customer satisfaction. Their customer service representatives are available 24/7 to assist you with any questions or concerns. Whether you need help with a transaction dispute or want to inquire about your rewards balance, Discover’s customer service team is there to help.
In addition to rewards and customer service, Discover credit cards have various security features. Discover is known for its fraud protection measures, such as monitoring your account for suspicious activity and providing real-time alerts. Discover also offers $0 fraud liability, meaning you won’t be held responsible for unauthorized charges on your card.
Here is a full list of Discover security features and benefits:
| Fraud Protection | Freeze It credit lock | Cardmember Inquiry Services |
| No annual fee | No foreign transaction fees | No over-the-limit fees |
Info for Applying for a Discover Card
To apply for a Discover credit card, you must meet certain requirements. First and foremost, you must be at least 18 years old to apply for a Discover Card. Additionally, you must have a valid Social Security number and a U.S. mailing address. Discover also requires applicants to have a source of income, which can include employment, self-employment, or other regular sources of income.
What Credit Score Do You Need to Apply?
Most Discover cards are aimed at applicants with good or excellent credit scores, including its popular Discover It Cash Back, It Miles, and Discover It Chrome Card. Despite this, Discover does offer a subprime credit card – the Discover it® Secured Card. There are also two options for students, with student versions of the Chrome and Discover It Cash Back Cards.
Can You Pre-Qualify for a Discover Card?
Like many other issuers, Discover provides a helpful pre-qualification tool on its website. Online pre-qualification is a great feature of many credit cards that allows you to check your eligibility for the credit card product before applying. Even better, credit card pre-qualification has no noticeable impact on your credit score.
Credit card issuers use pre-qualified or pre-approved offers to target applicants based on credit score, borrowing history, and other easily obtainable personal information. Typically, your approval odds with pre-approved offers are good if you receive an offer and your credit profile has changed recently.
How to Apply for a Discover Credit Card
Applying for a Discover credit card is a simple and straightforward process. To get started, check out our Discover Credit Cards issuer page. From there, you can browse the different credit card options and choose the one that best fits your needs. Click the “Learn More” button to access the Discover website safely and securely.
After submitting your application, Discover will review your information and decide. In some cases, you may receive an instant approval or denial. If additional review is required, Discover may contact you for further information. Once your application is approved, you can expect to receive your credit card in the mail within a few business days.
Understanding the Discover Credit Card Application Process
The Discover credit card application process involves a series of steps, from completing the application to receiving a decision. Understanding each step is important to ensure a smooth and successful application.
To begin, gather all the necessary information before starting the application. This includes your personal details, employment information, and financial information such as your income and monthly expenses. This readily available information will make the application process faster and more accurate.
Once you’ve completed the application, double-check all the information for accuracy and submit it. Discover will then review your application, considering factors such as your credit history, income, and other relevant information. The review process typically takes a few minutes, but in some cases, it may take longer if additional information is required.
After the review, Discover will notify you of their decision. If your application is approved, you can expect to receive your credit card in the mail within a few business days. If your application is denied, Discover will provide you with the reasons for the denial. In some cases, you may be able to contact Discover to discuss the denial and provide additional information that may help you reconsider your application.
Tips for Applying for a Discover Card
To increase your chances of a successful Discover credit card application, consider the following tips:
- Check your credit before applying: Review your credit report to ensure its accuracy before applying for a Discover credit card. Dispute any errors or inaccuracies that may negatively impact your credit score.
- Reduce your credit usage: Paying off outstanding debts can improve your credit utilization ratio, an important factor in credit card applications. Lowering your debt-to-income ratio can increase your chances of approval.
- Improve your credit score: If you have a low credit score, improve it before applying for a Discover credit card. This can include making timely payments, reducing credit card balances, and avoiding new credit applications.
- Compare your options: Take the time to compare different Discover credit cards to find the one that best suits your needs. Consider factors such as rewards, APR, and fees to make an informed decision. The BestCards card comparison tool is a great way to instantly compare as many card offers as you like for free!
- Provide accurate information: Ensure that all the information you provide on your application is accurate and current. Any discrepancies or inconsistencies may result in a denial or delay in the application process.
Credit Card Application Status and Updates
After submitting your Discover credit card application, you may be curious about the status and updates. Discover provides various ways to check the status of your application and stay informed:
- Through the Discover website: One option is to visit the Discover website and log into your account. From there, you can navigate to the credit card section and check the status of your application. If you don’t already have an account, you can easily create one using the information provided during the application process.
- Call customer service: Alternatively, you can contact Discover’s customer service to inquire about the status of your application. Their customer service representatives are available 24/7 to assist you with questions or concerns.
It’s important to note that the review process may take some time, especially if additional information is required. Discover will notify you of their decision either by mail or email.
Things to Consider Before Applying for Discover Cards
Before applying for a credit card from Discover, consider these factors:
- Global Acceptance: Discover charges no foreign transaction fees, which is always welcome. Unfortunately, Discover’s payment network doesn’t have the same universal acceptance as Visa or Mastercard. While Discover is making gains in this area, it still lags, especially outside of North America and some parts of Western Europe. American Express also faces this issue.
- Total Number of Cards: Like other issuers, Discover has rules concerning the total number of credit cards an account can hold. The bank currently limits cardholders to two Discover credit card products.
- Reward Categories:Pay attention to the reward categories and make sure you plan to spend in those categories. This is especially true for the Discover It® chrome Card. Make sure you spend enough on gas station and restaurant purchases. Otherwise, the Miles or Cash Back cards might offer better value.
Types of Discover It® Credit Cards
Discover offers a unique range of credit cards that prize simplicity offer flashy rewards. That’s not to say, however, that their credit cards are short on value. Their cash back cards are on par with other offers from Capital One, Chase, and American Express.
Travel Cards
The bank offers a credit card specifically designed for those who travel. The Discover It® Miles Card earns 1.5X on all purchases. Rewards are applicable as statement credits towards travel purchases made with the card account, or for statement credits, cash back into associated accounts, gift cards, or purchases through Amazon.
The 1.5X points also equal 1.5% back, which places the card on par with several other excellent cash back credit cards, such as the Chase Freedom Unlimited or the American Express Cash Magnet Card.
Student Cards
Students who are new to credit have a lot to love when it comes to Discover credit cards. The bank offers two cards specifically for students: the Discover It® chrome for Students and the Discover It® Student Cash Back.
The chrome for Students Card earns 2% back on gas station and restaurant purchases, with all other purchases making an unlimited 1% back. The Student Cash Back Card is a student version of the regular It® Cash Back Card. That card earns 5% back on a rolling assortment of categories, and all other purchases earning unlimited 1% cash back.
Student credit cards are an excellent option for those new to credit, as they feature more relaxed credit requirements for applicants and more appropriate credit limits.
Cash Back Cards
Cash back is where Discover truly shines. The bank offers a vast assortment of cash back credit cards, including the student cards previously mentioned.
The assortment of the issuer’s cash back credit cards include:
- Discover It® chrome: The it® chrome earns 2% back on gas and dining and 1% back on all other purchases.
- Discover It® Cash Back: The Cash Back earns 5% back on the first $1,500 in purchases each quarter on a revolving set of categories. Every other purchase earns an unlimited 1% cash back.
- NHL Discover It®: This is the same card as the It® Cash Back, but with the National Hockey League’s (NHL) branding. Cardholders can choose a design from their favorite team and show their pride with every purchase.
Discover It® Cashback Match
All Discover credit cards come with the Cashback Match. This unique bonus means the bank matches all the earned cash back rewards a cardholder earns in their first year – dollar for dollar, with this being an offer that posts to your account automatically. That means that earning $500 in cash back is automatically doubled to $1,000. there is no set limit to the amount of cash back they’ll match, making this perk one of the best reasons to consider a Discover It® card.
This Cashback Match offer is only available to new cardmembers.
Discover It® Cash Back Calendar 2024
The Discover It® Cash Back, Student Cash Back, and NHL Discover It® all earn 5% on a revolving set of categories. The 5% earning rate applies for the first $1,500 in spending each quarter, for a maximum of $75 cash back. Those 5% categories vary year by year. The 5% cash back calendar are as follows:
| Date | 5% Cash Back Category | ||
|---|---|---|---|
| Q1 | January – March 2024 | Restaurants and drug stores | |
| Q2 | April – June 2024 | Gas stations & EV charging, home improvement stores, and public transit | |
| Q3 | July – September 2024 | TBD | |
| Q4 | October – December 2024 | TBD | |
Other Discover Cards
Discover also offers credit cards for businesses and for those rebuilding their credit. The Discover It® Secured Card is a secured credit card based on their chrome Card. The secured version requires a minimum deposit of at least $200. The card also earns the same 2% back on gas and dining and 1% back on all other purchases.
It also gets the Cashback Match after the first year, a benefit hard to find in the secured credit card space. Cardholders can also get their security deposit returned in as few as six months, with the bank upgrading them to the unsecured chrome card – just for displaying responsible credit use.
Discover also offers the Discover It® Business Card. That card rewards businesses with 0% intro APR for the first year, unlimited 1.5% cash back, and Discover’s Cashback Match. For consumers that want in on the 0% intro APR game, the Discover It® Balance Transfer is a version of the It® Cash Back that also comes with a lengthy introductory APR offer.
Asking Discover for Bonus Offers
Discover is known for its quality selection of credit cards – all of which feature no annual fee. The bank is also famous for its customer service. Featuring friendly, U.S.-based representatives, the customer-centric focus of the Discover brand continues to entice applicants. One of the lesser-known perks of Discover is asking for a bonus. Here is what you need to know about asking Discover for additional offers, like 0% APR on your card.
Additional Offers to Qualifying Cardholders
Discover does not advertise additional offers, but they are known to provide them occasionally for those cardholders who ask. Previous examples of Discover bonuses for existing customers include an extra 3% cashback bonus on purchases, 7% cash back on revolving categories with the Discover It Cash Back card, and 0% APR. Of course, these offers are only available to select cardholders. But you never know unless you ask.
The latest reports indicate the current additional offer is 0% APR for around 12 months. This offer seems to only apply for new transactions, however.
How to Ask Discover for Additional Offers
Current Discover customers can contact an account representative to see if they qualify. When speaking with a Discover representative, ask if there are any promotional offers available, including 0% APR. As with reconsideration lines for credit card companies, you might need to haggle or negotiate, but Discover tends to be generous with their customers.
Not everyone will qualify, however. Common reasons for Discover rejecting extra perks concern credit scores, credit limits, or account age. If you call and do not get the answer you expect, don’t be afraid to call back and speak with another representative. Who knows, you may have better luck.
FAQs
What credit score do I need to apply for a Discover credit card?
- Discover offers credit cards for a range of credit scores. While some cards may require excellent credit, Discover also has options for those with fair or average credit scores.
How long does the Discover credit card application process take?
- The Discover credit card application process typically takes a few minutes to complete. However, the review process may take longer if additional information is required.
Can I check the status of my Discover credit card application?
- Yes, you can check the status of your Discover credit card application by visiting the Discover website or contacting their customer service.
Can I apply for a Discover credit card if I have limited credit history?
- Yes, Discover considers applicants with limited credit history. However, having a higher credit score will increase your chances of approval
Can I apply for a Discover credit card if I have had a bankruptcy?
- While having a bankruptcy on your record may affect your chances of approval, Discover does consider applicants with a bankruptcy history. It’s best to contact Discover directly to discuss your specific situation.
Conclusion
By taking the time to understand the benefits, requirements, and application process, you can make an informed decision and increase your chances of approval. Whether you’re looking for cashback rewards, travel benefits, or excellent customer service, Discover has a credit card that suits your needs.
Editorial Disclosure – The opinions expressed on BestCards.com's reviews, articles, and all other content on or relating to the website are solely those of the content’s author(s). These opinions do not reflect those of any card issuer or financial institution, and editorial content on our site has not been reviewed or approved by these entities unless noted otherwise. Further, BestCards.com lists credit card offers that are frequently updated with information believed to be accurate to the best of our team's knowledge. However, please review the information provided directly by the credit card issuer or related financial institution for full details.