Few things say fan loyalty like swiping a card with your team's logo on it. The NFL credit card lets you do exactly that, and it tosses in rewards on football purchases and everyday spending. But team pride aside, the real question is whether the card earns its place in your wallet.
The NFL credit card is the NFL Extra Points Visa Credit Card, issued by Comenity Bank. You can choose a design tied to your favorite team, earn rewards on NFL and team purchases, and redeem for statement credits, gift cards, and experiences. Let me walk you through the numbers and who it fits.
What Is the NFL Credit Card?
The NFL credit card is a co-branded rewards card built around football fandom. You earn higher rewards on NFL and team purchases and a base rate on everything else, and you can pick a card design featuring your team.
It is meant to be both a rewards card and a fan accessory. If you regularly buy tickets, gear, or watch games, the bonus categories can add up over a season.
Rewards and Perks
As of June 2026, the NFL Extra Points card earns 3% in rewards on qualifying NFL and NFL team purchases, 2% on grocery stores, restaurants, food delivery, gyms, and sporting goods, and 1% on everything else.
There is also typically a 0% promotional APR for six months when you use the card to buy game tickets from a participating NFL team ticket retailer. Promotional offers change, so check the NFL Extra Points website for current rewards and terms. Terms and conditions apply.
Redeeming your rewards
Rewards can usually be redeemed for statement credits, gift cards, and fan experiences. The 2% categories like groceries and restaurants are where many cardholders earn the most, since few people spend heavily on NFL purchases year-round.
Fees and APR
As of June 2026, the NFL credit card has no annual fee, which makes it easier to justify even if you are a casual fan. The ongoing variable APR ranges from about 17.49% to 31.49%, depending on your creditworthiness. APRs vary by creditworthiness.
That APR range is wide and can run high, so this card is best used as a pay-in-full rewards card rather than for carrying a balance. Check the NFL Extra Points website for current APR and fees before applying.
Who Should Consider It
The NFL credit card fits fans who want to show team colors and earn a little back on spending they already do. Since there is no annual fee, the bar to keep it in your wallet is low.
If you do not care about the team branding and just want rewards, a flat cashback credit card may earn more on your overall spending. The NFL card shines most when fandom and rewards overlap.
Approval Odds and Credit Requirements
Store and co-branded cards like this one are often more accessible than premium travel cards, but they still typically look for fair to good credit. If your score is low, a denial can ding your credit temporarily.
If you are not sure you will qualify, it is smarter to build your credit first. That way you protect your score and improve your odds on this card and others.
How to Build Credit Before You Apply
If your credit is thin or rebuilding, a secured or starter card is a solid first step. Firstcard helps you compare cards made for this stage. You can explore Firstcard for options aimed at lower or limited credit.
Here are a few well-known cards that report to the major bureaus.
Cards that build your history
The Self Visa® Credit Card pairs a credit-builder account with a secured card, so you save and build at once. If you are still working toward the fair-to-good range the NFL card wants, that combination is a strong fit, since it grows a deposit while your on-time payments build a track record.
The Current Build Card lets you build using your own money without a traditional credit check. That makes it a good match for fans who want everyday spending to count toward their credit history without a hard pull standing in the way, so you can start building toward the NFL card right away.
Current Build Card
Current Build Card
$0 annual fee. No minimum deposit required. No credit check required. 1 point per dollar on eligible categories. Reports to Experian, TransUnion, Equifax.
Fee
$0
APR
0%
Minimum Deposit Amount
$0
Credit Check
No
Cashback
1 point/dollar on eligible categories (with qualifying payroll deposit)
Benefit
No credit check, no deposit minimum
The Kikoff Secured Credit Card keeps things simple with steady reporting, which fits anyone who wants a low-cost way to add positive payment history each month before applying for a rewards card like the NFL credit card. The OpenSky secured card skips the credit check, which helps if you have been denied before.
Kikoff Secured Credit Card
Kikoff Secured Credit Card
Kikoff Secured Credit Card works like a debit card & checking account and performs like a credit builder. Build credit with your everyday purchases.
APR
0%
Minimum Deposit Amount
$0
Credit Check
No
Cashback
Yes
Benefit
0% interest. No credit check.
Why this helps
A few months of on-time payments can lift your score enough to qualify for a rewards card like the NFL credit card. Build the foundation first, then add the fan card.
Alternatives to the NFL Credit Card
If you want maximum rewards rather than team branding, a flat-rate cash-back card often earns more across all your spending. A general rewards card with a sign-up bonus can also outpace the NFL card in the first year.
For fans on a tight budget, a no-frills card that builds credit may be the better starting point. You can always add a fan card later once your credit is solid.
Frequently Asked Questions
Does the NFL credit card have an annual fee?
As of June 2026, the NFL Extra Points card has no annual fee. Check the NFL Extra Points website for current terms, since card details can change. No annual fee makes it easy to keep even if you use it occasionally.
What credit score do I need for the NFL credit card?
There is no single published cutoff, but co-branded rewards cards usually favor fair to good credit. If you are below that range, cards like the Self Visa® Credit Card or OpenSky can help you build toward it. Terms and conditions apply.
Can I pick my favorite team's design?
Yes. The NFL Extra Points card lets you choose a design tied to your favorite team, so you can show your colors when you pay. Confirm available designs on the issuer's website, since options can change season to season.
Can I build credit before applying for the NFL credit card?
Yes. Starter and secured cards like the Kikoff Secured Credit Card or Current Build Card report to the major bureaus and help you build a payment history. Once your credit improves, your odds on the NFL card go up.
