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NFL Extra Points Rewards Credit Card Review

The NFL Kicks Off Its Season With A New Credit Card Program

About.com Rating 3 Star Rating

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American football players readying to kick ball.
David Madison/ Digital Vision/ Getty Images

Whether it's a good deal or not, many football fans will want to carry a credit card with their favorite team's logo on it.

Who the NFL Extra Points Rewards Credit Card Is For

  • Football fans.

Credit Rating Required

  • Fair to Excellent (660+)

About the NFL Extra Points Rewards Credit Card

Pros

  • Earn points on purchases redeemable for NFL merchandise, collectibles, VIP experiences and game tickets.
  • 20 percent discount on NFLShop.com purchases.

Cons

  • Point value is difficult to decipher from website.

Rewards

  • One point per dollar on purchases.
  • 2,000 bonus points on first purchase or balance transfer.

APRs

  • 13.74 percent or 17.74 percent on purchases, depending on your credit history.
  • Zero percent on balance transfers for the first six months, then the purchase APR.
  • Penalty interest rate: 30.24 percent.

Fees

  • No annual fee.
  • Balance transfer fee: Three percent of balance for first six months, then four percent.
  • Late payment fee: Up to $35.
  • Return payment fee: Up to $35.
  • Over-the-limit fee: Zero.

NFL Extra Points Rewards Credit Card Review

The NFL recently ended its long-time credit card relationship with Bank of America and MBNA. The NFL Extra Points Reward Card will now be issued by Barclays Bank.

The card pays one point per dollar on purchases charged on the card. You earn a 2,000 point bonus on your first purchase or balance transfer.

It's not clear, however, what the points are worth. The card's website says the points are redeemable for NFL merchandise, collectibles, VIP experiences and game tickets. But it doesn't say how many points you need for any of those. Points expire after four years. There's also a 20 percent discount if you use the card to make purchases on the NFL's website.

As a rewards card, it's hard to recommend this card without knowing what the points are worth. However, the main attraction of team-affiliated credit cards like this one is carrying around a credit card with your favorite team's logo on it. For some people that's good enough.

If you had an NFL card with Bank of America/MBNA, you will not automatically receive a card from Barclays - you'll have to reapply with that bank. Barclays will probably send you a solicitation in the mail. Also, if you had a BofA-issued card, you had to redeem your points by the end of August when that program expired.

Recommendation

It's impossible tell from the card's website what the points are worth. Without more information, I would avoid this card, no matter how much I loved my team.

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