Cheering for the Packers and earning rewards on team gear at the same time sounds great. But before you sign up for a co-branded card just for the logo, it helps to know exactly what you get and what it costs.
The Green Bay Packers Extra Points Mastercard is a real open-loop credit card, not a store-only card. That means you can use it anywhere Mastercard is accepted, not just at Lambeau Field. Here is the honest breakdown for 2026.
Key facts at a glance
| Feature | Detail (as of June 2026) |
|---|---|
| Issuer | Comenity Capital Bank |
| Network | Mastercard (usable anywhere Mastercard is accepted) |
| Annual fee | $0 |
| Purchase APR | 17.49% to 31.49% variable |
| Rewards | 3% on NFL/Packers purchases, 2% on dining/groceries/fitness, 1% everything else |
| Welcome bonus | None advertised as of June 2026 |
| Score needed | Typically around 640 to 700 (good credit) |
| Reports to bureaus | Reported to consumer reporting agencies (Experian, Equifax, TransUnion) |
Who issues the Packers card
The Green Bay Packers Extra Points Mastercard is issued by Comenity Capital Bank, the same bank behind many NFL team cards through the Extra Points program. Comenity is a subsidiary of Bread Financial.
This is a co-branded card, so the Packers brand is on the front, but Comenity sets the terms, pulls your credit, and services the account. The card comes in a standard Mastercard and a World Mastercard version depending on your approval.
Rewards: what you actually earn
The rewards are tiered, and the top rate is reserved for team and league spending. Here is how it breaks down.
You earn 3% back on purchases at NFL.com, NFLShop.com, Green Bay Packers team retail stores, and qualifying NFL game ticket purchases. You earn 2% back on bars and restaurants, groceries, food delivery, and fitness purchases. Everything else earns 1% back.
For a typical fan, most spending lands in the 1% bucket, which is below what a flat-rate cash-back card pays. The 3% tier only shines if you buy a lot of jerseys, tickets, and team gear each year. If your score is not yet in the good-credit range, an unsecured starter card like the Arro Card charges no security deposit and runs no hard credit check, starting you with a limit up to $300 that grows toward $2,500 as you complete in-app tasks, while it reports to all three bureaus to help you reach the score this card wants.
Arro Card
Arro Card
No deposit. No hard credit check. Start with up to $300 and grow your credit line to $2,500 by completing in-app tasks. Earn 1% cash back on gas and groceries — including Walmart and Target.
Standout feature
Unsecured — no deposit required
Fees
up to $60/ year
Pros
1% cash back on gas & groceries
Cons
Starting credit limit: $50–$300
APR and interest charges
The purchase APR is 17.49% to 31.49% variable, based on your creditworthiness and the Prime Rate. A balance transfer carries the same 17.49% to 31.49% range, and cash advances are charged at 31.49%.
There is a grace period of at least 21 days after each billing period, so you avoid interest on purchases if you pay your full balance each month. The minimum interest charge is $3.00 if interest applies.
The card also offers a promotional plan on NFL ticket purchases of $250 or more, with 6 months of waived interest if you pay it off in time. After that window, the regular purchase APR applies to any remaining balance.
Fees you should know about
The good news is there is no annual fee. The fees that can sting are the everyday ones.
The foreign transaction fee is 3.0% of each transaction, so this is not a good travel card overseas. Balance transfers cost either $10 or 5% of the amount, whichever is greater, and cash advances cost either $10 or 5%, whichever is greater.
Late payments and returned payments can each cost up to $41.00. There is also an alternative payment method fee of up to $15 if you pay by phone with an agent.
Approval odds and credit pulls
As an open-loop Mastercard, this card generally calls for good credit. Based on issuer patterns and multiple consumer reports, applicants typically need a score in the range of about 640 to 700 or higher to be approved.
Applying triggers a hard inquiry, which can temporarily lower your score by a few points. Comenity reports account activity to the major consumer reporting agencies, so on-time payments can help build your history while late payments can hurt it.
Credit limits vary by applicant, and your starting credit limit depends on your profile. Comenity store and co-branded cards often start with modest limits and may grow over time with good payment behavior. If you want a no-deposit way to start building toward that approval, Perpay lets you shop and pay over time straight from your paycheck while it reports your payments to all three bureaus, with members seeing an average 32-point increase, so you can establish history and graduate to a card like this once your score qualifies.
Perpay Credit Card
Perpay Credit Card
Meet the only card powered by your paycheck. With automatic transfers from your paycheck, you can manage payments stress-free and build credit with ease.
Fee
$9/month plus $9 account opening fee
APR
Marketplace: 0% / Credit Card: 27.74% to 29.99% depending on your creditworthiness.
Minimum Deposit Amount
$0
Credit Check
No
Cashback
2% reward on purchases made in Perpay Marketplace
Benefit
2% rewards, no security deposit
Is the Packers card worth it?
If you spend heavily on Packers and NFL merchandise and tickets, the 3% tier plus the team branding can make this card fun and mildly rewarding. There is no annual fee, so holding it costs nothing if you pay in full.
But for everyday spending, the 1% base rate is unremarkable, the APR can run high, and the 3% foreign transaction fee rules it out for travel. A plain flat-rate cash-back card often returns more across all your purchases.
If approval is the real goal
Some fans want this card mainly to build or rebuild credit. If your score is below the good-credit range, a co-branded Mastercard may be a stretch, and a card built for credit building can be a steadier path.
If you would rather earn rewards while you build, the Aspire Cash Back Rewards Mastercard is an unsecured option designed for fair-credit applicants that earns cash back and reports to all three bureaus. It will not earn you Packers gear, but it can help you reach the score where a card like this becomes an easy approval. Terms and conditions apply, and APRs vary by creditworthiness.
Aspire® Cash Back Rewards Mastercard
Aspire® Cash Back Rewards Mastercard
Aspire® Cash Back Rewards Mastercard. Prequalify* For Up To $1000 Credit Limit. No security deposit. Packed with great benefits, it’s designed to give you more flexibility—and purchasing power—along with up to 3% cash back rewards!** Good anywhere Mastercard is accepted, it’s the go-to card for any lifestyle.
Standout feature
Up to 3% cashback rewards
Fees
$49 to $175; after that $0 to $49 annually; - $60 to $159 annually billed at $5 to $12.50 per month after the first year.
Pros
No Deposit Required. Prequalify for up to $1000 credit limit
Cons
High APR. 25.74% to 36%, based on your creditworthiness.
For ongoing credit monitoring and personalized guidance, Creditship.ai can help you track progress before you apply for a rewards card.
What Users Commonly Report
Fans generally like the team branding and the no-annual-fee structure, and many appreciate that it works as a regular Mastercard. People who buy a lot of team gear say the 3% tier adds up over a season.
On the other side, some cardholders feel the 1% base rate is low for non-team spending and wish the rewards were simpler. A common complaint is that the APR can be high for those approved at the upper end of the range. As always, results vary by person and spending habits.
Frequently Asked Questions
Who issues the Green Bay Packers credit card?
The Green Bay Packers Extra Points Mastercard is issued by Comenity Capital Bank, a subsidiary of Bread Financial. Comenity sets the terms, handles approvals, and services the account, while the Packers and NFL provide the branding.
Does the Packers card have an annual fee?
No. As of June 2026, the card has a $0 annual fee. You can hold it without a yearly cost, though interest applies if you carry a balance and other fees may apply.
What credit score do I need for the Packers Mastercard?
Because it is an open-loop Mastercard, approval typically calls for good credit, often in the range of about 640 to 700 or higher. Applying results in a hard inquiry, and exact requirements are set by Comenity.
Can I use the Packers card anywhere?
Yes. It is a Mastercard, so you can use it anywhere Mastercard is accepted, not only at Packers or NFL retail locations. You earn the top 3% rate on NFL and Packers purchases and lower rates elsewhere.
