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NFL Extra Points Credit Card Review

overall rating
3.2

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by Kat Tretina
Verified by Elisabeth Christopherson
Updated November 03, 2021

The NFL Extra Points Credit Card is designed for football fans who want to earn rewards on NFL tickets and NFL-branded merchandise, along with access to special discounts and ticket financing. However, you’ll earn a relatively low rewards rate on all other purchases, and the card carries costly balance transfer fees.

NFL Extra Points Credit Card

Overall Rating
3.2
NFL Extra Points Credit Card
Next Steps
On Barclaycard's Secured Site.
Current Offer

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

Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 15.99% - 25.99% variable
Annual Fee $0
Rewards Earning Rate Earn 2 points per $1 of NFL and Team purchases, earn 1 point per $1 on all other purchases, 20% off purchases at NFLShop.com, redeem points for 1% cash back, starting at 2,000 points for $25 cash back.
INTRO PURCHASE APR 0% for 6 billing cycles from the transaction date on all "Qualifying NFL Team Ticket Purchases"
INTRO BALANCE TRANSFER APR 0% for 15 Billing Cycle
Balance Transfer Fee Either $5 or 3% of the amount of each transfer, whichever is greater.
Foreign transaction fee (%) 3%
how this card stacks up
When compared among all rewards cards in our database:
Rewards
Benefits
Low Fees
Security/Customer Experience
Low Interest
worst best
Read our full methodology.

The NFL Extra Points Credit Card is not one of our top-rated rewards credit cards. You can review our list of the best rewards credit cards for what we think are better options.

Full Review of NFL Extra Points Credit Card

table of contents
Pros

  • 10,000-point one-time offer

  • Extra rewards on NFL and team purchases

  • Special ticket financing

Cons

  • Low rewards on non-NFL purchases

  • Redemption points minimum

  • Balance transfer fees

Pros Explained

  • 10,000-point one-time offer: The NFL Extra Points Credit Card has a one-time offer for new cardholders. If you spend $500 or more on net purchases within the first 90 days of opening an account, you’ll receive 10,000 points. When redeemed for statement credits, bank deposits, or gift cards, 10,000 points is worth $100, so this offer represents a 20% return on your spending. For a credit card with no annual fee, that’s a generous bonus. 
  • Extra rewards on NFL and team purchases: If you spend a significant amount of money on your football fandom, this card can help you earn extra rewards. You’ll receive 2 points per $1 on NFL, NFL team, and DirecTV purchases. On all other transactions, you’ll earn 1 point per $1. 
  • Special ticket financing: NFL tickets can be expensive. Using the NFL Extra Points credit card, you can spread out the cost with special ticket financing. When you use the card to buy tickets from a participating NFL team ticket office, you’ll get 0% APR for six months. But after that, a variable APR of 15.99%, 20.99%, or 25.99% will apply, depending on your creditworthiness. Tickets bought through other vendors or third parties are not eligible for this financing offer.

Cons Explained

  • Low rewards on non-NFL purchases: While you can earn 2 points per $1 on NFL-related purchases, you’ll only earn 1 per $1 on all other purchases. If you’re not a diehard football fan, you can probably find another card that offers higher rewards for your other purchases. For example, the Quicksilver from Capital One has no annual fee, and cardholders earn unlimited 1.5% cash back on every purchase.
  • Redemption points minimum: To redeem your rewards, you must have accumulated at least 2,500 Extra Points at the time of redemption. Otherwise, you’re unable to use your rewards. If you’re looking for a card with more flexibility, consider the Discover it Cash Back. You can redeem your rewards for account credits, bank deposits, or to pay for purchases when you’ve accumulated as little as $0.01 in rewards. 
  • Balance transfer fees: If you plan to take advantage of the promotional balance transfer offer—0% APR for 15 months on transfers made within 45 days of account opening—or want to transfer a balance after the introductory APR expires, make sure you’re aware of the balance transfer fees on this card. You’ll pay either $5 or 3% of the amount of the transfer, whichever is greater. For example, if you transfer over $4,000, you’d pay $120 in balance transfer fees.

This Card is Best For

  • Avatar for Annual Fee Averse Persona
    Resists or refuses an annual fee on principle or due to cost
    Annual Fee Averse
  • Avatar for Rewards Strategist Persona
    Seeks to maximize points or miles earnings across spending categories
    Rewards Strategist

The NFL Extra Points Credit Card is best for diehard football fans who want to earn rewards on NFL and team purchases. If you regularly attend games or buy team merchandise, you can earn 2 points per $1 on those purchases. In addition, you’ll get a 20% discount when you use your card at NFLShop.com and select pro shops. Cardholders can also qualify for special ticket financing, allowing them to spread out the cost of tickets over several months. 

NFL Extra Points Credit Card One-Time Offer

With the NFL Extra Points Credit Card, you can earn a 10,000-point bonus if you spend $500 on purchases within the first 90 days of opening an account, a $100 value.

Rewards Earning Details

You’ll earn the following rewards on your purchases: 

  • 2 points per $1 on NFL, NFL team, and DirecTV net purchases
  • 1 point per $1 on all other purchases

Rewards Redemption Details

You can redeem your points for NFL and team gift cards, NFL and team experiences, NFL tickets, statement credits, and bank deposits. You must have accumulated at least 2,500 points before you can redeem your rewards. To redeem rewards, visit MyNFLCard.com.

How to Maximize Your Rewards

To get the most value from your card, use it for all your NFL and DirecTV-related purchases. For example, let’s say you’re a season ticket holder, paying $750 per year, and buy an adult sweatshirt for $42. If you used your card to pay for your $792 in total purchases, you’d earn 2 points per $1 of spending, or $15.84 in rewards.

NFL Extra Points Credit Card’s Outstanding Benefits

  • 20% off at NFLShop.com: Use your card when you make purchases at NFLShop.com and get 20% off.
  • Special ticket financing: 0% promotional APR for six months on eligible NFL ticket purchases. After that, a variable APR of 15.99%, 20.99%, or 25.99% will apply, depending on your creditworthiness.

Standard Benefits

  • Zero liability protection
  • Fraud alerts

Cardholder Experience

The NFL Extra Points Credit Card is issued by Barclays. In the 2021 J.D. Power Credit Card Satisfaction Study, Barclays scored 792 out of 1,000, below the average score of 809.

Customer support is available 24 hours a day, seven days a week through the Barclays app or by phone at 1-877-523-0478.

Security Features

This card offers standard security features you’d expect of most credit cards, such as account monitoring and fraud alerts.

Our Verdict

If you’re one of the millions of NFL fans in the United States, you might be thinking of signing up for the NFL Extra Points Credit Card. But while it has no annual fee, pays 2 points per $1 on NFL and NFL team purchases, and allows you to spread your payments for ticket purchases over time, its other rewards are low, and it has few additional benefits. 

Other credit cards offer a higher rewards rate on every purchase you make. Over time, you’ll earn more rewards than you would with this card. And, many other cards have longer balance transfer introductory offers and lower fees.

Next Steps
For NFL Extra Points Credit Card
on Barclaycard's Secured Site.
Compare This Card
See how this card compares to similar cards
CURRENT CARD
NFL Extra Points Credit Card
overall rating
3.2
NFL Extra Points Credit Card
Next Steps
Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 15.99% - 25.99% variable
Annual Fee $0
Rewards Earning Rate Earn 2 points per $1 of NFL and Team purchases, earn 1 point per $1 on all other purchases, 20% off purchases at NFLShop.com, redeem points for 1% cash back, starting at 2,000 points for $25 cash back.
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Overall Star Rating Explained
To rate credit cards we objectively assess, score and weight nearly 100 individual card features which roll up into five major feature sets: fees, interest, rewards, benefits and security/customer service. Here’s how we weighted those feature sets for the overall star rating of a card:
We have applied our proprietary rating methodology to every generally-accepted credit card in the U.S. domestic market to allow consumers to make fully informed choices. It’s important to note that for our overall score that we make a number of assumptions about how you would be using your credit card:
  1. While we make no assumption as to whether balances are carried on a given card we do assign varying weights to all credit cards’ introductory APR (if present) in addition to the regular, long term purchase and balance transfer interest rates.
  2. We utilize BLS (U.S. Bureau of Labor Statistics) income and average category spending data to calculate annual earnings rates for rewards cards that offer cash back, points or miles rewards at a set rate on all spending or in consideration of bonus rewards for certain spending categories, like gasoline, groceries, restaurants or travel.
  3. We determine the maximum points value of rewards cards by dividing the points, cash back or miles required to exchange for the retail price of the most valuable redemption option (for example, in the case of a card that offers a domestic roundtrip airline ticket as a redemption option vs. another redemption option of lesser value that requires the same amount of points or miles to acquire, we would base the rewards value on the airline ticket).
  • Cards that are selected best overall in their respective categories generally feature most if not all of the following attributes:
  • Low or Reasonable Fees Credit card fees come in many forms but the primary ones involve those for annual card membership and balance transfer. There are a myriad of reward and non-reward card options that charge no annual fee but for the many that do assess an annual fee the cost is often justified by their lucrative ongoing rewards and initial signup bonuses. Balance transfer fees are occasionally waived during introductory periods with certain cards, a factor which is heavily and positively weighted in our scoring model for cards offering this benefit. When charged, balance transfer fees range between 3% - 5%, which we grade accordingly. Other standard fees can generally be avoided, such as those for paying late or taking cash advances but we rate those relative to other cards in the market for reference, though with less weight assigned
  • Competitive Interest Many cards offer 0% introductory APR on purchases and balance transfers for varying lengths and then revert to a permanent or regular APR (based on a variable rate tied to the prime rate) that applies to any balances not paid in full. We rate both introductory APR percentage and length (in months) along with the midpoint of the variable regular APR interest rate range.
  • Valuable Rewards Credit card reward programs can be based on cash back, points or travel rewards (which can be generic or travel partner-specific, as with airline and hotel co-brand card programs). For cards that offer rewards we determine the value per dollar spent along with average redemption values and assign more favorable ratings to cards that offer superior consumer value. We also assign value to sign-up bonus offers and their initial spending requirements, when present.
  • Excellent Benefits Credit card benefits cover a range of offerings like concierge service, TSA Pre-check, auto rental coverage, travel accident insurance, lost luggage assistance and free credit scores. We rate cards on the number and level of over a dozen standard and upscale benefits and provide extra weighting emphasis for those travel-related perks that apply to premium travel cards when present.
  • Solid Security/Customer Service Security and customer service features like lost or stolen card replacement, being able to lock one’s card from an issuer app and 24 hour customer support are becoming more standard across the card market and we provide a significant amount of weighting to features in this area.
  • You can also read the full version of our methodology for a more in-depth look at how we assess cards and award them the best in various categories.