NHL Discover it

The NHL Discover it offers 5% cash back in rotating quarterly categories, which for Q4 2026 are dining, entertainment, and utilities, on up to $1,500 in spending per quarter after you activate. It also comes with a 0% intro APR on both purchases and balance transfers for 15 months and no annual fee, so it works as a financing card and a rewards card at once. The catch is the effort: you have to activate the 5% categories every quarter, the bonus stops at $1,500 in quarterly spending, and everything else earns just 1%. No foreign transaction fees are a plus for travel. It's a good fit for hockey fans willing to track the calendar, but anyone who wants set-and-forget rewards will find a flat-rate card easier to live with.