Cash back · Discover · No annual fee
Last verified 2026-10-26. Review issuer source
NHL Discover it is a no-annual-fee cash back card from Discover. Its best everyday rates are 5% on dining, 5% on entertainment, and 5% on utilities; everything else earns 1%. Dining is capped at $1,500 a quarter, then drops to the base rate.
On our reference budget of $24,600 a year it returns about $438, an effective 1.8% back.
Put the bonus categories on it and everything else on a flat 2% card. On its own the base rate drags the average down.
Cap: $1,500 per quarterly
Earn 5% Cashback Bonus at Reataurants
Cap: $1,500 per quarterly
Earn 5% Cashback Bonus on Entertainment
Cap: $1,500 per quarterly
Earn 5% Cashback Bonus on Utilities
No welcome bonus is stored for this catalog entry yet.
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn 1% cash back on all other purchases.
Discover gives cardmembers a FICO ® Credit score for free on monthly statements, mobile and online.
Get an unlimited dollar-for-dollar match of all the cash back you earn at the end of your first year, automatically. There is no limit to how much we’ll match.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| NHL® Discover itThis card · 5% on dining | None | $438 | +$438 | 445th of 1,284 |
| Discover it Cash BackDiscover's most-held other card · 5% on dining | None | $438 | +$438 | 442nd of 1,284 |
| Chase Freedom Flex® Credit CardThe strongest no-fee card on this budget · 7% on dining | None | $822 | +$822 | 1st of 1,284 |
| Robinhood Gold CardHighest net return on this budget · 3% on everything | $50 | $798 | +$748 | 2nd of 1,284 |
Reference budget: groceries $6,000, dining and restaurants $3,600, gas and ev charging $2,400, travel and transit $3,000, online shopping $2,400, entertainment and streaming $1,200, everything else $6,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
