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

Superfans may get some kicks out of this card's perks and rewards, but casual fans seeking an option for everyday purchases will probably want to punt.

Robin Saks FrankelSeptember 23, 2020

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Our Take

3.1

NerdWallet rating 

The bottom line: This card is a second-stringer at best, as there are plenty of other options on the market that offer greater rewards and lengthier 0% intro APR periods.

Barclaycard NFL Extra Points Credit Card

NFL Extra Points Credit Card

Annual Fee

$0

Regular APR

15.99% - 25.99% Variable APR

Intro APR

0% on Balance Transfers for 15 billing cycles

Recommended Credit Score

Quick Facts

Pros & Cons

Pros

  • No annual fee

  • 0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening

Cons

  • Minimum redemption requirement

  • Foreign transaction fee

Alternate Pick: High rewards rate on all purchases

Citi® Double Cash Card – 18 month BT offer

1% back when you buy, 1% back when you pay

This card earns a total of 2% cash back on all purchases — 1% when you make a purchase, and another 1% when you pay the bill. The annual fee is $0.

Read our review

Compare to Other Cards

Annual Fee

$0 intro for the first year, then $95

Annual Fee

$0

Annual Fee

$0

Regular APR

13.99% - 23.99% Variable APR

Rates & Fees

Regular APR

14.99% - 23.74% Variable APR

Regular APR

14.99% - 23.74% Variable APR

Intro APR

0% intro APR on Purchases for 12 months

Intro APR

0% intro APR on Purchases for 15 months

Intro APR

0% intro APR on Purchases for 15 months

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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Full Review

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.

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 TV.

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.

NFL Extra Points Credit Card: Basics

Card type: Rewards.

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.

Rewards:

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

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

  • 1 point per $1 on all other purchases.

You need a minimum of 2,500 points to start redeeming. Points are worth a penny each when redeemed for cash back (as a statement credit or direct deposit) or for NFL gift cards. You can also redeem for NFL and team experiences, as well as NFL tickets.

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.

  • When you use this card to purchase game tickets from any participating NFL team ticket office, you will be eligible for a 0% promotional APR for 6 billing cycles from the purchase date. After the promotional APR expires, the standard variable rate applies.

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

Foreign transaction fee: 3%.

NFL Extra Points Credit Card: Benefits

Solid rewards rate on NFL-related purchases

You'll get double points on eligible game tickets and merchandise. You might want to wait to buy your souvenirs online, though. With the NFL Extra Points Credit Card, you'll get an additional 20% discount at NFLShop.com. Relatedly, if you're a DirecTV subscriber, you can pay your monthly bill or splurge for a pay-per-view event and also net double points back.

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

In addition to redeeming your points for game tickets, you can use them for unique experiences like pregame sideline passes or Super Bowl tickets, according to 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 of either $5 or 3% of the amount of each transfer, whichever is greater, and make sure you have a good game plan to tackle that balance during the promo period.

NFL Extra Points Credit Card: Drawbacks and alternatives

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. One to consider is the Citi® Double Cash Card – 18 month BT offer, which earns a total of 2% cash back on all purchases — 1% when you make a purchase, and another 1% when you pay the bill. The Citi® Double Cash Card – 18 month BT offer also charges an annual fee of $0.

And while earning double points on your NFL ticket purchases is pretty good, 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. The card charges no annual fee and offers a sign-up bonus.

Minimum redemption requirement

Although your redemption options are varied and include cash back, you'll need to have accrued at least 2,500 points before you can redeem points for anything, including cold hard cash.

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. A travel credit card is a great alternative. The Wells Fargo Propel American Express® card, for example, offers 3 points per dollar in many categories 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. Terms apply. The card also comes with a generous welcome offer.

Is the NFL Extra Points Credit Card right for you?

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.

But overall, the card should be on the bench for most, as there are other options on the market that offer greater rewards and more expansive 0% intro APR periods. Call an audible and scroll through the NerdWallet best credit card roundup for more options.

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