NFL Extra Points Credit Card

Robin Saks Frankel  in  0% APR Advertising Disclosure
Annual Fee:
No Annual Fee.
Purchase Intro APR:
Balance Transfer Intro APR:
0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening. After that, (and for balance transfers that do not post within 45 days of account opening) your APR will be 16.74%, 21.74% or 26.74% based on your credit worthiness. This APR will vary with the market based on the Prime Rate.
Regular APR:
16.74%, 21.74% or 26.74% based on your credit worthiness. This APR will vary with the market based on the Prime Rate. 0% promotional APR for six billing cycles from the transaction date on all "Qualifying NFL Team Ticket Purchases" (see below). After that, your APR for your Qualifying NFL Team Ticket Purchases will be 16.74%, 21.74% or 26.74% based on your credit worthiness. This APR will vary with the market based on the Prime Rate.
Terms and Restrictions Apply | Rates and Fees
Bankrate Score: 78 out of 100

Commonly used for: 0% APR, Excellent Credit, No Annual Fee, Rewards.

This card offer is currently unavailable on Bankrate. To see more cards in this category, please visit our 0% apr category page.

With double rewards on all NFL purchases, which includes tickets and concessions at the game and swag from, owners of the NFL Extra Points Credit Card can revel in all things pigskin.


Diehard NFL fans who spend a fair amount at the games and on their favorite team merch will enjoy the no-fee NFL Extra Points Credit Card’s 20% savings at the online NFL shop and 2X the points on NFL and team purchases. This card is ideal if you’re using it with an eye toward NFL-related purchases — like saving up for a playoff game. If that’s in your playbook, then have at it.

There’s also a nice sign-up bonus of 10,000 bonus points, worth $100 when you spend $500 within the first 90 days of opening the account. Plus, you can customize your card with the logo from your favorite NFL team. Love the San Francisco 49ers? Are your the sort to paint your fqce green for a New York Jets game? If the sight of Washington Redskins merch makes your heart go pitter-patter, the NFL Extra Points Credit Card has a team card for you.

But there are other rewards cards that will earn you greater rewards across a broader range of categories. And you should use another rewards card with a better rate then the NFL card’s 1X points per $1 spent on all other spending.

Make sure you don’t fumble and use this card for balance transfers — the 15-month 0% APR offer comes with a $5 or 3% balance transfer fee, whichever is greater. You can score a better balance transfer card offer. You should also skip the introductory 6-month 0% APR financing offer for tickets. It’s a play that offers little benefit.

Who should get this card

Football fanatics who spend a fair chunk of their disposable income celebrating their favorite team can benefit from having this card.

  • It offers one of the only discounts available at the shop and on tickets.
  • The card has no annual fee so there's no cost of ownership.
  • The introductory 6-month 0% APR offer on purchases can give you a little extra breathing room to pay for NFL tickets.
  • The 15-month 0% APR balance transfer offer is decent.
  • Earnings from this card can only be spent on NFL tickets and merchandise.
  • This card has a 3% foreign transaction fee.
  • There’s a balance transfer fee, which can eat into the savings of making a balance transfer.
  • The six-month financing option for tickets isn’t a great deal. There are other cards that will let you pay 0% interest on a purchase for a longer period of time.

Fees and APR

  • There’s an introductory 0% APR offer for six months on NFL ticket purchases from any participating NFL team ticket office. After that, it’s a variable 16.24%, to 26.24% based on creditworthiness.
  • There’s a 15-month 0% balance transfer offer for the first 45 days after the account has been opened. After that, it’s a variable 16.24% to 26.24% APR based on creditworthiness.
  • There’s no annual fee.
  • There’s a balance transfer fee of $5 or 3% of the amount being transferred, whichever is greater.

Extras, perks and using points

This card comes with Visa Signature benefits, which include concierge services and some travel and auto protections.

Get a 20% discount off every purchase at

Points can be redeemed for game tickets or unique experiences like sideline passes or Super Bowl tickets. You can also redeem your points for cash-back as a statement credit to your card.

To redeem your points, log into your card account and click on the rewards tab. There is no fee for points redemption.

How this card compares

Citi® Double Cash Card
  • Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.74% - 25.74% based on your creditworthiness*
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases
  • No categories to track, no caps on cash back, no annual fee*
Apply Now On Citi's secure website
Credit Needed

Excellent, Good

Terms and Restrictions Apply
Regular APR

15.74% - 25.74%* (Variable)

Annual Fee


Purchase Intro APR


Balance Transfers Intro APR

0% 18 months on Balance Transfers* until 05/2019

When it comes to rewards value, the Citi Double Cash Card ranks among the very best cash-back credit cards that charge no annual fee.

So why, you might ask, does this card not receive a higher score from Bankrate? There are a couple reasons, but the main thing dragging this card down is this: Because Citi Double Cash offers no sign-up bonus, it struggles to compete with many cards in this category.

Longer-term, the Citi Double Cash Card may earn you more rewards. The card earns an unlimited 1% cash back when you make a purchase and another 1% back when you pay for those purchases. Big spenders may find this nets more cash-back overall as there’s no ceiling on what you can earn back.

Chase Freedom®
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24-25.99%. Balance transfer fee is 3% of the amount transferred, $5 minimum
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Enjoy new 5% categories each quarter
  • Unlimited 1% cash back on all other purchases - it's automatic
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • Free credit score, updated weekly with Credit Journey℠
  • No annual fee
Apply Now On Chase's secure website
Credit Needed


Terms and Restrictions Apply
Regular APR

17.24% - 25.99% Variable

Annual Fee


Purchase Intro APR

0% Intro APR on Purchases for 15 months

Balance Transfers Intro APR

0% Intro APR on Balance Transfers for 15 months

The Chase Freedom card is fee-free and offers rotating bonus categories that pay 5% back, with a cap of $1,500 in each category and an unlimited 1% back on everything else. You also have to sign-up each quarter to get the bonus. Still, this card offers cash-back to be used any way you like making it a far more flexible option than the NFL Extra Points Credit Card.