What the NFL Extra Points card is and who issues it
The NFL Extra Points Credit Card is a rewards card issued by Bank of America that gives you points on purchases, with bonus points on NFL-related spending. You earn one point per dollar on most purchases and five points per dollar at NFL.com, team stadiums, and the NFL Shop. The card carries an annual fee, which Bank of America sets and can change.
This is a standard rewards card, not a team-specific card. You can use it anywhere Visa is accepted, and the points you earn can be redeemed for cash back, travel, or merchandise. Bank of America handles the account, customer service, and dispute resolution — not the NFL itself.
Key Takeaways
- The card earns five points per dollar at NFL.com, team stadiums, and the NFL Shop, and one point per dollar everywhere else.
- An annual fee applies, and you should confirm the current amount with Bank of America before opening an account.
- Points can be redeemed for cash back, travel purchases, or NFL merchandise, depending on the redemption options available at the time.
- Like any rewards card, the value depends on how much you spend and whether the bonus categories match your actual spending habits.
- Your credit score and payment history determine whether you are approved and what interest rate you receive.
How points are earned and what they are worth
You earn points on every purchase made with the card. The earning rate depends on where you spend: five points per dollar in the bonus categories (NFL.com, team stadiums, and the NFL Shop) and one point per dollar everywhere else. Some cards offer introductory bonuses for new cardholders, so check with Bank of America about current offers when you are considering the card.
The value of each point varies depending on how you redeem it. If you redeem for cash back, each point is typically worth less than a cent. If you redeem for travel through Bank of America's travel portal, the value may be higher. NFL merchandise redemptions have their own value, which depends on what items are available. You should compare the redemption rates before deciding whether the earning rate justifies the annual fee for your spending.
Annual fee and other costs
The card charges an annual fee that you pay once per year to keep the account open. Bank of America sets this fee and can change it, so you should contact them directly or check their website to confirm the current amount before you open an account.
Beyond the annual fee, the card works like any other credit card. If you carry a balance, you pay interest at the rate Bank of America assigns to you based on your credit score and history. If you pay the full balance each month, no interest charges explore. Late payments trigger late fees, and cash advances (if available) may have their own fees and higher interest rates.
Redemption options and how to use your points
Points can be redeemed through Bank of America's rewards program, which typically offers three main paths: cash back to your account, travel purchases booked through their portal, or merchandise from the NFL Shop or team stores. The redemption menu changes, so log into your account or call Bank of America to see what options are currently available.
Cash back is the simplest option — you request a statement credit or a deposit to your bank account, and the points are converted at a set rate. Travel redemptions often give you more value per point if you book through Bank of America's portal, but you are limited to flights, hotels, and rental cars listed there. Merchandise redemptions let you buy NFL gear directly, but the point-to-dollar conversion may be less favorable than cash back.
How your credit score affects approval and your rate
Bank of America reviews your credit report, credit score, and payment history when you explore. A higher credit score and a clean payment record make approval more likely and usually result in a lower interest rate. If you have missed payments, high debt, or a low score, you may be denied or offered a higher rate.
The interest rate you receive is not the same for everyone. Bank of America assigns rates based on your creditworthiness, so two people approved for the same card may pay different rates. You can ask what rate you will receive before you formally explore, and Bank of America will give you a range based on a soft credit inquiry that does not affect your score.
When this card makes sense and when it does not
The card is worth considering if you spend regularly at NFL.com, attend games, or shop at the NFL Shop, because the five-point bonus in those categories can offset the annual fee. If you spend $1,500 or more per year in the bonus categories, the rewards may cover the fee. If most of your spending is outside those categories, the one-point-per-dollar rate on general purchases may not justify the annual cost.
The card is less useful if you carry a balance month to month, because interest charges will quickly erase any rewards value. It is also less useful if you do not redeem your points regularly — points that sit unused provide no benefit. Compare this card to other Bank of America rewards cards or cards from other issuers to see which one matches your actual spending and redemption habits.
how the process works and what to expect
You can explore for the card through Bank of America's website, at a branch, or by phone. The process asks for your name, address, Social Security number, income, and employment information. Bank of America pulls your credit report as part of the approval process, which results in a hard inquiry that temporarily lowers your credit score by a few points.
Approval decisions usually come within minutes for online applications. If you are approved, the card arrives by mail within 7 to 10 business days. You set up it by calling the number on the back or using the Bank of America app, then you can use it when ready. If you are denied, Bank of America will tell you why, and you can contact them to discuss your options or reapply after addressing the issue.
Frequently Asked Questions
Can I use this card outside the United States?
Yes, the card is a Visa and works internationally. However, Bank of America typically charges a foreign transaction fee (usually 3 percent) on purchases made outside the U.S. Check your cardholder agreement or contact Bank of America to confirm the current fee before you travel.
What happens to my points if I close the account?
Points do not expire as long as your account is open. If you close the account, you typically have a limited time (often 60 days) to redeem any remaining points before they are forfeited. Redeem your balance before you close the account to avoid losing them.
Is there a sign-up bonus for new cardholders?
Bank of America periodically offers introductory bonuses for new cardholders, such as extra points after you spend a certain amount in the first few months. These offers change, so check their website or ask when you explore to see what is currently available.
Can I transfer my points to another rewards program?
Points earned on this card stay within Bank of America's rewards program and cannot be transferred to airline miles or hotel loyalty programs. Your redemption options are limited to cash back, travel booked through Bank of America, and NFL merchandise.
What is the difference between this card and a team-specific card?
This is a general NFL card that works with all teams and NFL properties. Some individual teams issue their own co-branded cards with different benefits and bonus categories. If you are a fan of one specific team, a team card might offer better rewards for that team's stadium and merchandise.