The NFL Extra Points Visa is marketed towards fans of the National Football League who want to earn cash back rewards on everyday purchases as well as double rewards on NFL and Team purchases. The NFL Extra Points Visa is a Visa Signature credit card and is issued by Barclays Bank Delaware. It is available with the colors and logo of any of the 32 NFL teams – pick your favorite team!
New account holders have the opportunity to earn 10,000 bonus points upon approval. To be eligible, you must make at least $500 in purchases on the card within the first 90 days of opening your account. Returns and credits do not count towards the spending threshold and all transactions must post to your account by the specified date. Balance transfer checks do not qualify as purchases. The 10,000 bonus points can be redeemed as a $100 statement credit.
New card members receive a 0% introductory APR on balance transfers for the first 15 billing cycles. Balance transfers must be completed and post to your account within 45 days from the date your account is opened. After this period, your APR will be 14.99%, 19.99%, or 24.99%, based on your creditworthiness at the time of approval. There is a balance transfer fee of either $5 or 3% of the total amount of each transfer (whichever is greater). These fees are not waived. The 0% introductory APR does not apply to purchases or cash advances.
Cardholders earn points on purchases in the following ways:
- One point per eligible dollar spent on all purchases
- Two points per eligible dollar spent on NFL and Team purchases
There are no caps on the number of points members can earn. Points do not expire as long as your account is open, active and in good standing.
Members can redeem points for 1% cash back statement credits. The minimum amount of points you can redeem is 2,500 (equal to a $25 statement credit). Statement credits can only be applied to purchases of $25 or more.
Card members are eligible for a 0% promotional APR for 6 billing cycles when you use your NFL Extra Points Visa to purchase game tickets from any participating NFL team ticket office. No minimum ticket purchase is required. After the 6th billing cycle, any balance remaining will be charged interest at your specific APR- 14.99%, 19.99%, or 24.99%, which is determined upon approval.
Cardholders receive a 20% discount when you use your card to purchase NFL team merchandise at NFLShop.com.
The NFL Extra Points Visa comes with Visa Signature benefits which include:
- Complimentary Concierge Services
- 24/7 Travel Assistance Services
- Extended Warranty
Card members are charged a 3% foreign transaction fee on the total amount of every purchase made on the card while traveling outside of the U.S.
There is no annual fee associated with this card.
The Facts
Below we have broken down the details of the NFL Extra Points Visa to help you determine if it’s worth signing up.
The Good:
Signup bonus:
Barclays is currently offering new account holders the opportunity to earn 10,000 bonus points upon approval. This equates to a $100 statement credit when you redeem your points. You must make at least $500 worth of purchases on the card within the first 90 days of activation. This qualifying period begins when your account is opened so the actual time you have to make purchases may be less depending on when you receive your card. All transactions must post to your account within the 90 days to be eligible. Credits and/or returns do not count towards the required $500 spending amount nor do balance transfers. Bonus points will post to your account at the close of your first billing statement after the $500 in qualifying purchases are made.
Introductory APR on balance transfers:
New members receive a 0% introductory APR for the first 15 months on balance transfers made within the first 45 days that your account is open. There is a balance transfer fee of $5 or 3% (whichever is greater) of the total amount of each transfer. These fees are not waived during the introductory period. After this time, your APR will be 14.99%, 19.99%, or 24.99%, based on your credit score and payment history at the time of approval.
Easy to earn points:
Cardholders earn points as outlined below:
- One point per eligible dollar spent on all purchases (anywhere that Visa is accepted as payment)
- Two points per eligible dollar spent on NFL and Team purchases made at NFLShop.com, team pro shops, and in-stadium retailers
There is no cap on the amount of points you can earn. As long as your account remains active (at least one purchase every six months) and in good standing, your points never expire.
Easy to redeem points:
Members can redeem points for rewards such as:
- NFL gift cards
- NFL collectibles
- NFL based experiences
- NFL tickets
- NFL merchandise (restrictions apply)
For example, 25,000 points can be redeemed for two regular season game tickets. 200,000 points will get you two Super Bowl tickets. And 12,000 points are all that are needed for a team jersey.
Points may also be redeemed as a statement credit at the rate of 1% (30,000 points would be equal to a $30 statement credit). Statement credits can only be applied to purchases of $25 or more. To redeem, you must have a minimum of 2,500 points.
Promotional APR on NFL ticket purchases:
Cardholders receive a 0% promotional APR for six months when you use the NFL Extra Points Visa to purchase game tickets from any participating NFL ticket office. There is no minimum amount of tickets you must purchase. After the six-month period ends, your APR will be 14.99%, 19.99%, or 24.99%, depending on your creditworthiness. This is determined at the time of approval.
20% off at NFLShop.com:
Members receive a 20% discount on purchases made at NFLShop.com.
Visa Signature benefits:
Card members receive additional Visa Signature benefits with this card. These include:
- Complimentary Concierge Services- 24/7 assistance is available whenever you need it to make restaurant reservations, book an event, or find the perfect gift.
- 24/7 Travel Assistance Services- If your card is ever lost or stolen, you can get an emergency replacement card and a cash advance.
- Extended Warranty- Get additional warranty protection at no cost to you on items purchased with the card. Specific limitations and restrictions apply.
No annual fee:
Cardholders are not charged an annual fee for this card.
The Bad:
No introductory APR on purchases:
Cardholders are charged a variable APR of 14.99%, 19.99% or 24.99% on purchases (depending on your credit and payment history). You can avoid interest charges by paying off your balance in full each month.
Weak rewards:
Everyday purchases only earn 1% for every dollar spent. Unless you are an NFL fan and spend a considerable amount of money each year on tickets, merchandise and other NFL promotions (all of which earn 2%), you will find it hard to maximize the benefits of this card.
Limited redemption:
Card members can redeem points for rewards strictly related to the NFL (tickets, jerseys, and other merchandise). The only other choice is to redeem points at the rate of 1% as a statement credit. You must have a minimum of 2,500 points to redeem. There is no actual cash back reward offered with this card.
The Ugly:
Not everyone will qualify:
Not everyone will qualify for the Visa Signature credit card and its benefits. If you are not approved for the NFL Extra Points Visa you may receive a Platinum card which has fewer benefits. Generally, a good to excellent credit score (720+ FICO) is needed to qualify for the NFL Extra Points Visa (Visa Signature).