The NFL Credit Card offers football fans unique perks, including discounts on team merchandise, special ticket financing, and the option to redeem rewards for sideline passes and exclusive experiences. This card really caters to hardcore football fans, but that’s about it. If you rarely attend NFL games, you’re better off with a rewards credit card that offers bonuses on everyday categories, like gas and groceries. If you’re in the market for such a card, try out the CardCruncher tool to see what card best fits your spending habits. Otherwise, read our full review on the NFL Credit Card to find out if it can work for you.

NFL Extra Points Visa Signature Card Quick Review

Here are the highlights of the NFL Credit Card:

Annual Fee: $0

APR: See Terms

Sign-Up Bonus: 10,000 points


  • 2X points on NFL and team purchases, including purchases at team pro shops and
  • 1X points on all other purchases
  • 20% off purchases at
  • Redeem points for exclusive NFL rewards, like sideline passes or Super Bowl tickets, or redeem for cash back
  • Special financing on NFL tickets
  • Free FICO credit score
  • Concierge service

Other Fees:

  • Balance transfer fee of $5 or 3%, whichever is greater
  • Cash advance fee of $10 or 5%, whichever is greater
  • 3% foreign transaction fee
  • Up to $37 late payment fee
  • Up to $37 returned payment fee

Why Apply for the NFL Extra Points Visa Signature Card

There are a few reasons NFL fans should consider signing up for the NFL Credit Card:

Earn rewards for supporting your team

You’ll earn 2 points per dollar on all NFL and team purchases, including NFL tickets, team jerseys, clothing and collectibles. You’ll also get 20% off purchases every time you use your card, and earn 1 point per dollar on all other purchases. If that’s not enough, you’ll also receive a bonus of 10,000 points if you spend $500 or more within the first 90 days of account opening.

Pay for your tickets over time with 0% APR financing

New NFL Credit Cardholders receive special financing on NFL tickets. You can buy tickets today and take your time paying them off, thanks to the card’s APR of See Terms. This helps if you want Super Bowl or season tickets, but can’t afford to pay all at once. You should note that only purchases made from NFL team ticket offices qualify for this special financing.

Redeem your rewards for cash back or NFL experiences

You can redeem your NFL Credit Card rewards for game tickets, pre-game sideline passes and more exclusive NFL rewards. Or, if you aren’t planning to attend a game anytime soon, you can redeem your rewards for cash back. Each point is worth $0.01, so it takes 10,000 points to earn $100 in cash back.

NFL Extra Points Visa Signature Card Drawbacks and Downsides

The NFL Credit Card won’t appeal to you for one major reason:

It’s difficult to rack up rewards if you don’t attend NFL games

You only earn 2X points on NFL purchases, and the card’s main appeal is the special ticket financing and the ability to redeem points for exclusive NFL experiences. If you don’t attend NFL games often, you’ll earn only the standard 1 point per dollar on purchases, and you’ll have to redeem your rewards for cash back. Plenty of other rewards credit cards offer higher rewards rates on purchases like dining and gas. One of these cards will prove a lot more useful and lucrative.

NFL Extra Points Visa Signature Card Alternatives

Try one of these credit cards if the NFL Credit Card isn’t a good fit for you:

Capital One® SavorOne℠ Rewards Card

The Capital One® SavorOne℠ Rewards Card offers unlimited 3% cash back on all dining and entertainment purchases, including NFL tickets. You’ll also earn 2% back at grocery stores, and 1% back on all other purchases. The card even comes with a sign-up bonus of $150 if you hit the bonus’s minimum spend.

The Capital One® SavorOne℠ Rewards Card also has a great APR of 19.24% - 29.24% (Variable). It’d actually give you more time to pay off NFL tickets than the NFL Credit Card if you buy tickets when you open your account. Once the 0% APR period is up, though, any remaining balance will accrue interest at the standard rate. Even so, the Capital One® SavorOne℠ Rewards Card will earn way more points over time, and it does that with a $0 annual fee.

Citi Premier℠ Card

The Citi Premier℠ Card is worth considering if attending an NFL game requires a lot of travel for you. You’ll earn 3 points per dollar spent on travel, including gas, 2 points per dollar spent on restaurants and entertainment and 1 point per dollar spent on all other purchases. You can redeem your points for statement credits, gift cards or online purchases with Amazon or Best Buy. But you’ll get the best value when you redeem them for airfare. A flight to the Super Bowl maybe?

The card doesn’t have a 0% introductory APR like the NFL Credit Card, so it’s not a good option if you want to finance your ticket purchases. There’s also a $95 annual fee after the first year. Be sure that you’ll earn more than that in rewards each year before you sign up for the card, otherwise it may end up costing you money.

NFL Extra Points Visa Signature Card FAQs

Here are answers to commonly asked questions about the NFL Credit Card:

What are the odds of getting approved for the NFL Extra Points Visa Signature Card?

Barclays—the company that issues the NFL Credit Card—does not publish information about minimum credit score requirements for card approval. Assume you need good to excellent credit, which is usually considered to be a score of about 700 or above. If you have fair or poor credit, you may be better off opening a secured credit card, improving your credit score, and then applying for the NFL Credit Card.

Can I use the NFL Extra Points Visa Signature Card anywhere?

Yes, it is a Visa card so it should be accepted by any merchant that takes credit cards. However, you’ll only earn 1 point per dollar on non-NFL purchases, so you’re likely better off using a card that earns more rewards on everyday purchases.

Bottom Line: Should You Apply for the NFL Extra Points Visa Signature Card?

The NFL Credit Card can pay dividends if you attend NFL games regularly and purchase team memorabilia. The card’s discounts on merchandise and the option to redeem rewards for exclusive experiences, like sideline passes, are sure to pique any diehard fan’s interest. But if you don’t go to NFL games often, plenty of other rewards credit cards offer better earning potential.

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