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 adds 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 Capital Bank. This review covers the exact rewards, welcome bonus, APR, and fees, verified against Comenity's Rate and Fee Summary.
Key Facts at a Glance
| Issuer | Comenity Capital Bank |
| Network | Visa (co-branded, open-loop, usable anywhere Visa is accepted) |
| Annual fee | $0 |
| Purchase APR | 17.49%-31.49% variable |
| Cash advance APR | 31.49% variable |
| Rewards | 3% on NFL purchases; 2% on groceries, dining, delivery, gyms, sporting goods; 1% all else |
| Welcome bonus | $100 cash back after $500 in non-NFL purchases in first 90 days |
| Foreign transaction fee | 3% |
| Other fees | $10 or 5% balance transfer/cash advance; $3 min interest; late/returned up to $41 |
| Rewards expiration | Points expire after 5 years |
| Credit limit | Reported roughly $1,800-$9,000+ |
| Credit score | Typically 670+ (fair to good) |
| Reports to | Experian, TransUnion, Equifax |
What Is the NFL Credit Card?
The NFL credit card is a co-branded Visa rewards card built around football fandom. You earn higher rewards on NFL and team purchases and a base rate on everything else, you can pick a card design featuring your team, and because it runs on Visa, you can use it anywhere Visa is accepted, not just at NFL retailers.
Rewards, Welcome Bonus, and Perks
As of June 2026, the NFL Extra Points card earns 3% back in rewards on NFLShop.com and NFL team purchases, 2% on grocery stores, restaurants and bars, food delivery, gyms and eligible fitness, and sporting goods, and 1% on everything else. The 2% everyday categories are where most cardholders actually earn the most, since few people spend heavily on NFL purchases year-round.
New cardholders can earn a $100 cash back welcome bonus after spending $500 on purchases outside the NFL within the first 90 days. Rewards points expire after five years and can be redeemed for statement credits, gift cards, and fan experiences. There is also a promotional plan offering no interest for 6 months on NFL ticket purchases of $250 or more made at NFL Team Ticket Offices, Ticketmaster, SeatGeek, or Sports Illustrated Tickets, after which the purchase APR applies to any remaining balance.
Fees and APR
Per Comenity's Rate and Fee Summary, as of June 2026 the NFL credit card has no annual fee and no monthly fee, which makes it easy to justify even for a casual fan. The variable purchase APR runs from 17.49% to 31.49% based on your creditworthiness and the Prime Rate, and the same range applies to balance transfers; cash advances are a flat 31.49%. There is a 3% foreign transaction fee, so it is not ideal for travel abroad. Balance transfers and cash advances each cost $10 or 5%, whichever is greater, the minimum interest charge is $3.00, and late or returned payments cost up to $41 each ($30 the first time). APRs vary by creditworthiness.
That upper APR is steep, so this card is best used as a pay-in-full rewards card rather than for carrying a balance.
Approval, Credit Limit, and Reporting
Co-branded cards like this are often more accessible than premium travel cards. Reported approvals typically want fair to good credit, around a 670+ score, and Comenity frequently uses a soft-pull-style application for these accounts, though it may move to a hard inquiry to complete approval. Reported credit limits vary widely, roughly $1,800 to $9,000 or more depending on your profile. Comenity reports to all three major bureaus (Experian, TransUnion, Equifax), so on-time payments build history. If your score is low, a denial can ding your credit temporarily, so if you are unsure you will qualify, it is smarter to build your credit first.
If approval is your concern, the Self Visa Credit Card is one of the simplest ways to build a clean on-time history, since it is backed by your own savings, reports to all three bureaus, and has high approval odds.
A few months of on-time payments on the Self Visa can lift your score enough to qualify for a rewards card like the NFL Extra Points card later. Build the foundation first, then add the fan card.
If you want a card you can use everywhere right now while you build toward it, the Aspire Mastercard is a common stepping-stone. It is unsecured with no security deposit, accepts fair credit, reports to all three bureaus, and pays cash back, so you keep earning while your score climbs.
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.
Approval is never guaranteed, and terms and conditions apply. Free monitoring through tools like Creditship.ai helps you track your progress before you apply.
Is the NFL Credit Card Worth It?
For a fan with fair to good credit who pays in full, the NFL Extra Points card is a low-cost way to show team pride and earn on everyday spending, sweetened by the $100 welcome bonus and the ticket-financing promo. The strongest value is the 2% on groceries and dining, so if groceries dominate your budget, it is worth comparing cash back cards built for groceries before you settle on the fan card. The main drawbacks are an APR that can run to 31.49%, a 3% foreign transaction fee, and points that lapse after five years. If you want maximum rewards rather than team branding, a flat-rate cash-back card often earns more across all your spending. If you are not approved yet, build your credit first and revisit it.
Frequently Asked Questions
Does the NFL credit card have an annual fee?
No. Per Comenity's Rate and Fee Summary, as of June 2026 the NFL Extra Points card has no annual fee and no monthly fee. It does charge a 3% foreign transaction fee, so it is not ideal for travel abroad.
What is the APR on the NFL credit card?
The variable purchase APR runs from 17.49% to 31.49% based on your creditworthiness and the Prime Rate, with cash advances at a flat 31.49%. Balance transfers and cash advances also cost $10 or 5%, whichever is greater. Pay in full to avoid interest, since carrying a balance at the high end is costly.
How much does the NFL credit card earn, and is there a welcome bonus?
It earns 3% on NFLShop.com and NFL team purchases, 2% on groceries, dining, food delivery, gyms, and sporting goods, and 1% on everything else. New cardholders can earn $100 cash back after $500 in non-NFL purchases within 90 days. Points expire after five years.
What credit score and limit can I expect for the NFL credit card?
Reported approvals typically want fair to good credit, around a 670+ score, and Comenity often uses a soft-pull-style application. Reported credit limits range widely, roughly $1,800 to $9,000 or more. The card reports to all three major bureaus, so on-time payments build history. You can also pick a team design and finance qualifying tickets on a 6-month no-interest plan.
