What the NFL Extra Points Visa Card is

The NFL Extra Points Visa Card is a co-branded credit card issued by Bank of America in partnership with the NFL. It is a standard rewards card that earns points on purchases, which you can redeem for NFL merchandise, experiences, or statement credits. The card carries an annual fee and comes with a welcome bonus offer that changes periodically.

This is not a debit card or a prepaid card — it is a revolving credit account. You receive a monthly statement, pay interest on any balance you carry, and build credit history through on-time payments. The card works at any merchant that accepts Visa, not just NFL-related vendors.

Key Takeaways

  • The card charges an annual fee (currently $95) and earns points on all purchases, with bonus rates on specific categories like dining and gas.
  • Points can be redeemed for NFL merchandise, stadium experiences, or converted to statement credits at a fixed rate.
  • A welcome bonus typically offers a large point grant after you spend a certain amount in the first few months, though the specific offer changes.
  • You pay interest on any unpaid balance at the card's variable APR, which depends on your creditworthiness and current market rates.
  • The card reports to all three credit bureaus, so responsible use builds your credit score, but missed payments damage it.

Annual fee and what it covers

The NFL Extra Points Visa Card charges a $95 annual fee, charged to your account once per year. Bank of America does not waive this fee after the first year — you pay it every year you hold the card. This fee is separate from any interest you owe on a balance.

The annual fee does not include travel protections, concierge services, or other premium perks that higher-tier cards offer. You are paying primarily for the rewards earning rate and the ability to redeem points for NFL-specific items. If you do not use the card enough to earn back the $95 in rewards value, the card costs you money.

How points are earned and redeemed

The card earns points on every purchase: typically 1 point per dollar on most transactions, with higher rates in bonus categories. The bonus categories usually include dining (3 points per dollar), gas stations (2 points per dollar), and sometimes groceries or travel. These rates vary, so check your cardholder agreement or Bank of America's website for the current structure.

Points can be redeemed in three main ways: for NFL merchandise through an online shop, for experiences like stadium tours or game tickets, or for statement credits that reduce your bill. The redemption rate varies by option — merchandise redemptions typically offer less value per point than statement credits. For example, a statement credit might be worth 1 cent per point, while merchandise might be worth 0.5 cents per point.

Points do not expire as long as your account remains open and in good standing. If you close the account, you lose any unused points.

Welcome bonus and spending requirements

New cardholders receive a welcome bonus, typically in the form of a large point grant after meeting a minimum spending requirement within a set timeframe — usually $500 to $1,000 spent in the first three months. The exact bonus amount and spending threshold change periodically, so the current offer may differ from past promotions.

To earn the bonus, you must make the required purchases on the card itself; balance transfers and cash advances do not count. If you do not meet the spending requirement within the timeframe, you do not receive the bonus. The bonus is credited to your account once the requirement is met, typically within one to two billing cycles.

Interest rates and how they affect your balance

The NFL Extra Points Visa Card carries a variable APR, meaning the interest rate changes based on the prime rate and your creditworthiness. Bank of America sets your specific rate when you open the account, based on your credit score and credit history. The rate you receive may be different from what another cardholder receives.

Interest accrues daily on any balance you carry from month to month. If you pay your full statement balance by the due date each month, you pay no interest. If you carry a balance, interest compounds and grows quickly — a high APR can erase the value of rewards you earn. For this reason, the card only makes financial sense if you pay off your balance in full each month.

Credit reporting and how it affects your credit score

Bank of America reports your account activity to Equifax, Experian, and TransUnion — all three major credit bureaus. This means your payment history, credit utilization (how much of your credit limit you use), and account age all factor into your credit score.

On-time payments build your credit history and improve your score over time. Missed payments are reported to the bureaus and damage your score significantly. High balances relative to your credit limit also hurt your score, even if you pay on time. If you use this card to build credit, keep your balance low and pay it in full each month.

Comparing this card to other rewards cards

The $95 annual fee is higher than many general-purpose rewards cards, which often charge $0 to $50 per year. Cards like the Chase Freedom Unlimited or Capital One SavorOne offer similar or better earning rates without an annual fee, though they do not offer NFL-specific redemptions.

The value of this card depends on whether you care about NFL merchandise and experiences. If you are an NFL fan who would buy this merchandise anyway, the card's rewards might offset the annual fee. If you are indifferent to NFL products, a no-annual-fee card with similar earning rates will save you money. Compare the redemption value of points you would actually use against the $95 annual cost before opening the account.

Frequently Asked Questions

Can I use this card at any store, or only NFL-related places?

You can use this card anywhere Visa is accepted — grocery stores, gas stations, restaurants, online retailers, and everywhere else. The card earns points on all purchases. You only interact with NFL-specific redemptions when you choose to redeem your points for NFL merchandise or experiences.

What happens to my points if I close the account?

Any unused points are forfeited when you close the account. If you have accumulated points you want to redeem, do so before closing. Once the account is closed, you cannot redeem them.

Does this card have a sign-up bonus every year?

No. The welcome bonus is a one-time offer for new cardholders. You receive it once when you open the account and meet the spending requirement. Existing cardholders do not receive another bonus if they close and reopen the account after a waiting period, though Bank of America's rules on this can change.

What is the credit limit, and how is it determined?

Bank of America sets your credit limit based on your credit score, income, and existing debts. There is no fixed limit for this card. You can request a higher limit after you have held the card for a few months and made on-time payments, but approval is not may provide.

If I carry a balance, do I still earn rewards?

Yes, you earn points on all purchases regardless of whether you carry a balance. However, the interest you pay on that balance typically exceeds the value of the rewards you earn, making it financially harmful to carry a balance on any rewards card.