NFL Extra Points Credit Card review: Does this cash back card score big for football fans?

NFL Extra Points Credit Card review: Does this cash back card score big for football fans? NFL Extra Points Credit Card review: Does this cash back card score big for football fans? Image:

In a Nutshell

The NFL Extra Points Credit Card offers 2x points on NFL and team purchases, but most casual fans should look elsewhere for an everyday cash back credit card.

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For many die-hard football fans, a handful of trips to the home team’s stadium is an annual fall tradition.

A 2016 survey conducted by The Harris Poll found that pro football is the most popular sport in America, and it’s not hard to imagine why. The NFL packs a lot of excitement into each year, and the fun doesn’t stop at the field, thanks to the NFL Extra Points Credit Card (This offer is no longer available on our site).

Let’s face it: NFL fans can easily find themselves spending a pretty penny each season on tickets, jerseys and other football-related adventures. That’s where the NFL Extra Points Credit Card comes into play.

With this card, you’ll earn two points per dollar spent on NFL and team purchases like eligible tickets, in-stadium purchases and official gear from NFLShop.com and team pro shops. You’ll also earn one point per dollar spent on all other purchases. (We’ll get into what those points mean a bit later.)

If you’re serious about football, you could score big with this rewards credit card and its $0 annual fee. But if you’re more of a casual fan, other cash back cards may offer more flexibility and, ultimately, better rewards.

Now let’s strap on our helmets and dig into the details of the NFL Extra Points Credit Card.


  1. The rundown: Everything we like about the NFL Extra Points Credit Card
  2. Heads up: What you should consider before applying
  3. Do the math: How to get the most out of the NFL Extra Points Credit Card
  4. The competition: How the NFL Extra Points Credit Card stacks up against similar cards
  5. Bottom line: Is the NFL Extra Points Credit Card right for you?

The rundown: Everything we like about the NFL Extra Points Credit Card

When you frequently attend NFL games or simply love to sport your favorite team’s gear, the NFL Extra Points Credit Card may be a great fit for you. Here’s what we like about it.

Earn 2x points on NFL and team purchases.

You’ll earn two points per dollar spent on NFL and team purchases, which includes everything from eligible NFL tickets to jerseys and (if you’re a Packers fan) cheeseheads. You’ll also get one point per dollar spent on all other purchases.

Kick off your earnings with a big-time bonus.

This card comes with an impressive sign-up bonus: You’ll earn 10,000 points after spending $500 in purchases within the first 90 days of account opening. That’s enough to redeem for a $100 cash back statement credit.

0 percent intro APR on balance transfers.

Enjoy a 0 percent intro annual percentage rate (APR) for 15 billing cycles on balance transfers made within 45 days of account opening. After that, a variable APR of 15.99, 20.99 or 25.99 percent will apply.

What does a 0 percent APR offer mean?

Redeem points for NFL rewards or cash back.

Dream of going to the Super Bowl or watching your team from the sidelines? You may be able to redeem points for these special opportunities — or simply take 1 percent cash back starting at 2,500 points for $25 cash back in the form of a statement credit.

Save 20 percent on purchases at NFLShop.com.

Official gear doesn’t come cheap. But with this card, you can take $20 off every $100 you spend when using your card. The discount will be automatically calculated at the time of checkout.

Special financing on NFL tickets.

Like gear, NFL tickets can be expensive. In 2016, the average NFL ticket price was approximately $93, according to a Statista report. If you use your card to buy tickets at a participating NFL team ticket office, you’ll get a 0 percent promotional APR for the first six billing cycles from the purchase date. (At the end of the promotional period, the variable APR outstanding purchase balance will be 15.99, 20.99 or 25.99 percent.) This benefit can really help if the whole family wants to catch a game, and it’ll give you a few months to pay off your purchase without worrying about interest.

Customize your credit card.

If you’re a die-hard football fan, you probably already have most things decked out in your favorite team’s colors. Show your pride by customizing your NFL Extra Points Credit Card with the logo of any of the 32 available NFL teams.

Heads up: What you should consider before applying

While it offers cash back on all purchases, this card is definitely geared toward NFL fans. If that doesn’t sound like you, you’ll probably want to look elsewhere. Here’s a quick rundown of what to look out for before applying:

Limited rewards.

If you aren’t already spending a lot on NFL-related purchases, you can likely find higher reward options elsewhere. Ariana Arghandewal, credit card expert and founder of PointChaser.com, says “there are better credit cards out there that offer cash back bonuses on more common spending categories than NFL gear.” We’ll explore some of those cards at the end of this article.

Not many perks for non-sports fans.

This card comes packed with perks, but nearly all of them revolve around the NFL. So if you aren’t big into sports, you may not see much value in the discounts and perks this card offers.

Be careful when using special financing on NFL tickets.

Sure, you’ll get a 0 percent promotional APR for six billing cycles from the purchase date, but the APR jumps to a variable 15.99, 20.99 or 25.99 percent after that. We recommend only using this special financing offer if you’re sure you can pay off your tickets within six months. Otherwise, it could make those tickets even more expensive.

Do the math: How to get the most out of the NFL Extra Points Credit Card

With this card, you’ll want to make sure you’re getting the most back on the purchases you already make. Yes, that includes NFL tickets.

Think about it: At an average cost of roughly $93 per ticket, a family of five can spend nearly $500 on NFL tickets for a single game. That’s about 1,000 points earned on your card, or the equivalent of $10 in cash back. Multiply that by five or six games, and you’re looking at some nice savings over the course of a season.

When it comes to redeeming your rewards, you might want to look beyond cash back. NFL Shop gift cards start at 3,550 points, jerseys start at 12,000 points and VIP NFL experiences start at 25,000 points.

The competition: How the NFL Extra Points Credit Card stacks up against similar cards

As with the NFL Extra Points Credit Card, the following cash back and rewards credit cards come with a $0 annual fee.

Bank of America® Cash Rewards Credit Card

This card offers all-around cash back on everyday purchase categories. You’ll earn 2 percent back at grocery stores and wholesale clubs and 3 percent on gas (for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter, then 1 percent back for those purchases). You’ll also earn 1 percent cash back on other purchases.

From our partner

Citi ThankYou® Preferred Card

If you’re spending a lot on entertainment or nights out after your team wins, this card will reward you for those purchases. You’ll earn two ThankYou® Points per dollar spent on dining out and entertainment, and one ThankYou® Point per dollar spent on all other purchases. Citi defines movie theaters, concerts, live sporting events, museums and more as part of its general entertainment category.

From our partner

Citi ThankYou® Preferred Card

From cardholders in the last year

See Details, Rates & Fees

Chase Freedom®

This card offers 5 percent cash back in rotating categories (on up to $1,500 in combined purchases in bonus categories each quarter you activate, and then 1 percent back on these purchases). You earn unlimited 1 percent cash back on all other purchases. If you’re looking for more cash back, this may be a good fit for you.

“These categories change quarterly and include popular department stores, gas stations, restaurants, grocery stores and more,” says Arghandewal. “It’s really the best option for people who want a $0 [annual] fee cash back card that enables them to really maximize rewards in popular spending categories.”

From our partner

Chase Freedom®

From cardholders in the last year

See Details, Rates & Fees

Bottom line: Is the NFL Extra Points Credit Card right for you?

The NFL Extra Points Credit Card is an excellent choice for football fans who want to earn more on their NFL purchases. For those who want more earning options or aren’t super into sports, there are better options.

If you’re looking to earn cash back but don’t spend a lot on sports-related purchases, take a closer look at Chase Freedom® or the Bank of America® Cash Rewards credit card. These might earn you more cash back on regular, everyday purchases — not as exciting, we know, but potentially more lucrative in the long run.


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