NFL Extra Points Card Review: Hard to Light Up the Scoreboard

Superfans may get some kicks out of its perks and rewards, but casual fans seeking an everyday card might want to punt.

Robin Saks FrankelSeptember 10, 2020
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The NFL Extra Points Credit Card, issued by Barclays, kicks off with certain benefits that die-hard fans might find valuable, including double rewards on merchandise, a 0% introductory APR offer on game tickets, and a sign-up bonus that could cover the cost of some tailgating.

Barclaycard NFL Extra Points Credit Card
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Even if you prefer to catch live NFL action from your couch, you could earn bonus rewards on the monthly bill you pay to have those games beamed to your television.

But when it comes to rewards, you're looking for touchdowns, not field goals. Unfortunately, even for ultimate fans, the potential to score big with the NFL Extra Points Credit Card is limited.

If you need breathing room to pay for NFL tickets, plenty of cards offer longer 0% intro APR periods. And if you want rich rewards, there's no shortage of cards that offer high rates on all spending, not just in narrow categories.

Key features of the NFL Extra Points Credit Card

Annual fee: $0.

Sign-up bonus: Earn 10,000 bonus points after $500 in purchases in the first 90 days, enough to redeem for $100 cash back.


  • 2 points per $1 spent on NFL and team purchases, including eligible NFL tickets, in-stadium purchases, at and at team pro shops.

  • 2 points per $1 spent on eligible DirecTV purchases.

  • 1 point per $1 on all other purchases.

There's no limit on the number of points you can earn, and they don't expire as long as your account is open and in good standing. You can redeem points for cash or a statement credit, or toward NFL gift cards, NFL and team experiences, and NFL tickets. Point values may vary depending on the redemption option.

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, and then the ongoing APR of 15.99% - 25.99% Variable APR.

There's a separate promotional purchase APR offer, but only for eligible NFL tickets. More on that below.

Balance transfer fee: Either $5 or 3% of the amount of each transfer, whichever is greater.

Foreign transaction fee: 3%

Highlights of the card

  • High rewards rate on NFL-related purchases: You'll get double points on eligible game tickets and merchandise. You might want to wait and buy your souvenirs online, though. With the NFL Extra Points Credit Card, you'll get an additional 20% discount at

  • Boosted rewards on eligible DirecTV purchases: Pay your monthly bill or splurge for that pay-per-view event. Both can net you double points for using the NFL Extra Points Credit Card.

  • Ticket financing: The card comes with a 0% promotional APR for 6 months on eligible NFL ticket purchases from a participating team ticket office. The offer starts from the date you buy the tickets, not from when you open the card account.

  • Exclusive experiences: You'll be able to redeem points for game tickets, but also for things like pre-game sideline passes or Super Bowl tickets, according the card's website.

  • Decent for a balance transfer: The card gives you nearly a year and a half at 0% APR for balances transferred within 45 days of opening the account. That's definitely something to cheer about. Just know that you'll owe a balance transfer fee, and make sure you have a good game plan to tackle that balance during the promo period.

Drawbacks to consider

  • Not ideal for everyday spending. You may be a big NFL fan, but if you don't actually do a lot of NFL-specific spending, the NFL Extra Points Credit Card isn't a good fit for you. (Also, if you're not a DirecTV customer, that double-rewards category is of little use.) Some of the best cash-back cards available offer as much as 2% back on every dollar spent, not just in specific categories. Likewise, cards with rotating bonus categories — or those with tiered rewards on things like groceries, gas, dining and travel — can offer you a far higher rate of return on purchases.

  • Other cards offer longer 0% intro APR terms. If you think you might need longer than six months to pay off NFL tickets, or if you want to buy a new grill for enhanced tailgating, try a card that offers a 0% intro APR on all purchases, not just tickets. It might help you save more overall.

  • Minimum redemption requirement: On the plus side, your redemption options are varied and include cash back. On the downside, you'll need to have accrued at least 2,500 points before you can redeem points for anything, cash back included.

  • Foreign transaction fee. NFL teams occasionally travel overseas to play. But if you take this card with you on a trip abroad, it will cost you an extra 3% per transaction. You can find cards that don't charge this fee.

Possible alternatives

Citi® Double Cash Card – 18 month BT offer

Citi® Double Cash Card
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Holders of the Citi® Double Cash Card – 18 month BT offer earn a total of 2% cash back on all purchases — 1% when they make a purchase, and another 1% when they pay the bill. That can net you more cash back overall than earning 2% back only on specific purchases. The Citi® Double Cash Card – 18 month BT offer also charges an annual fee of $0.

Capital One® SavorOne® Cash Rewards Credit Card

Earning double points on your NFL ticket purchases is pretty good, but you can do better with the Capital One® SavorOne® Cash Rewards Credit Card. It earns an unlimited 3% cash back on dining and entertainment, and its definition of "entertainment" happens to include sporting events. You'll also earn 2% cash back at grocery stores and 1% back on all other purchases, so it's a better card for everyday expenses. The Capital One® SavorOne® Cash Rewards Credit Card charges an annual fee of $0 and offers a sign-up bonus: Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening.

Wells Fargo Propel American Express® card

Maybe you want to take your fandom a step further and start traveling to out-of-town games. If so, a travel credit card can be a great choice. The Wells Fargo Propel American Express® card offers an unlimited 3 points per dollar spent on many of the things you're likely to spend money on when at an away game: dining out, ordering in, hotels, airfare, car rentals, gas stations, rideshares, and more. The card also offers a generous welcome offer: Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value. And, like the NFL Extra Points Credit Card, its annual fee is $0.

Or call an audible and scroll through the NerdWallet best credit card roundup for more options.

Should you get the NFL Extra Points Credit Card?

If you're the kind of superfan who lives for football season, the NFL Extra Points Credit Card can be a rewarding way to show your team pride — you can even get your team's logo on the card itself.

But overall, the NFL Extra Points Credit Card might be best as a second-stringer in your wallet, as there are other cards on the market that offer greater rewards and lengthier 0% intro APR periods.

Information related to the NFL Extra Points Credit Card has been collected by NerdWallet and has not been reviewed or provided by the issuer of this card.

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