About NFL Extra Points Credit Card
Find yourself on the couch every Sunday watching NFL games? Then you just might be a good fit for the Barclaycard NFL Extra Points Credit Card.
Barclays, the bank who issues this NFL credit card, markets the card as a way for you to earn points when you buy the NFL merchandise you love, with a special offer through which you can finance the purchase of NFL tickets. Not only that, but you get discounts on purchases at NFLShop.com.
If you’re an NFL fan, this sounds amazing, right? You’re getting discounts on stuff you love, plus you have the option of using the credit card to finance a season ticket purchase.
But here’s the catch to all this: Do you know how this card stacks up against other credit cards? The NFL branding on this card is great if you like football, but what if you’re an NFL fan who wants to get the best possible rewards out of your credit card?
If that’s you, then we’ll need to work through some really important aspects of this credit card. Here are the things we’re going to talk about in this review:
- Rates and fees
- Public opinion
Each one of the aspects of the NFL Extra Points credit card should play a role in your decision about whether or not this card is right for you.
Pro tip: You can choose which team’s logo you want on your card.
The NFL Extra Points Credit Card’s Rewards
As we mentioned earlier, this credit has several different ways that you can earn rewards for NFL-related purchases:
10,000 Bonus Points
The first main reward you get with the NFL Extra Points card is a 10,000-point bonus if you spend $500 in the first 90 days of owning the card. The 90-day countdown starts the day you’re approved for the card.
So, here’s how this reward works. You spend $500 on your card, not including credit card fees or any balances you transfer and Barclays will activate your rewards.
However, those 10,000 points won’t show up in your account automatically. According to the card’s fine print, those points will arrive in your account in 30 days or less.
The point value of one reward point is $0.01, which means your 10,000 points are worth $100. Okay, so this probably sounds great, right? A free $100 for spending $500, however, is slightly below average for many rewards cards.
For example, the best cash-back credit cards have $150 cash bonuses. Travel rewards cards usually have $400-$500 bonuses.
So, keep that in mind as you consider the value of the up-front rewards on the NFL Extra Points card.
Double Points on Purchases
You can earn double points when you make purchases on NFL gear, NFL team gear as well as Direct TV. There are some details you should know about each of these, though.
First, any NFL or team gear you buy has to be purchased in one of three places: NFLShop.com, NFL or team retail stores and purchases at NFL stadiums.
As for the DirectTV bonus, you’ll earn 2 points for any purchases that you make directly with DirectTV, which includes your monthly cable/internet bill.
To give you an idea of how much you might spend in these bonus categories in one season, we took a look at the Dallas Cowboys website’s online store.
At the time of publishing, here were the prices for various purchases through the Cowboys’ official NFL site:
- Ticket to Cowboys vs. Green Bay Packers: $170
- Ezekiel Elliott Nike Navy Limited Jersey: $149.99
- New Era Sideline 9Fifty Cap: $35.99
- Baby leggings: $12.99
- Wilson mini soft-touch football: $13.99
- Cheapest season ticket package (2016): $775
As you can see, building the right repertoire for the super fan can bet pretty expensive – nearly $1,000 for a jersey, hat, season tickets and some gifts for the kids.
All these purchases would give you around 2,000 rewards points that have a cash value of $20.
Pro tip: You have to have at least 2,500 points ($25) to redeem them.
1% on Everything Else
Nearly every other purchase you make that doesn’t fall into the 2% category will earn you 1%. A $1,000 purchase, for example, will get you $10 in cash back.
Pro tip: If you don’t use your card for six straight billing cycles, you’ll lose all your points.
0% Interest on Ticket Purchases
As we just mentioned, the NFL Extra Points card will give you 0% interest on any ticket purchases you make.
Once the six-month period is over, you’ll pay the normal interest rates, which we’ll list in a few minutes.
Know this, though. You’ll get 0% interest through the sixth month you have this card, which means if you buy your tickets in the third month you only have three remaining months of 0% interest.
Pro tip: Only tickets purchased through your team’s ticket office can be financed.
20% Off on NFLShop.com
Your card will also get you a 20% discount on items you buy from NFLShop.com. This includes jerseys, hats, clothes for the entire family and memorabilia like signed equipment.
To get the discount, the card’s fine print says you’ll have to enter the first six digits of your card in the Promo Code box at checkout.
The Benefits of the NFL Extra Points Credit Card
Nearly every credit card you come across has a set of benefits that cover things like fraudulent purchases, travel insurance of various kinds and purchase protection.
The NFL Extra Points Credit Card’s main benefit is the ability to redeem rewards for NFL-specific events. Our research showed some good and bad value in this area.
For example, the card’s website says that you can get tickets to the 2018 Pro Bowl in Orlando for 25,000 points ($250).
The price for 2016 tickets to the Pro Bowl was, according to TicketCity.com, $115 and the site says 2017 tickets will be around $160.
As you can see, it’s cheaper for you to redeem those 25,000 points for cash and then buy a ticket on your own than it is to book the tickets with your points through the NFL’s website.
Now, you can also redeem 50,000 points for a sideline pass to the Super Bowl, a price that we thought was a tremendous value. However, we weren’t able to find out if the sideline pass is something you only get if you have a ticket to the game or if the pass acts as a ticket.
If it’s the former, then the value is negligible. If it’s the latter, then this is an amazing deal.
In our opinion, the value of this benefit is relatively unknown since it’s hard to pin down how valuable some of the redemption options are.
The NFL Extra Points Credit Card’s Rates and Fees
This is perhaps the most important section of this review because it’s the one that will cost you the most if you aren’t careful:
- Purchase/Transfer APR: 15.99%, 20.99% or 25.99%
- Cash advance APR: 26.24%
- Balance transfer fee: 3%
- Cash advance fee: 5%
- Annual fee: None
- Foreign transaction fee: 3%
- Late/returned payment fee: $37
The fees and interest rates on this card are pretty standard, so there’s nothing out of the ordinary.
We want to mention that you’ll only pay the majority of these fees if you either pay late or you don’t pay your balance in full every month.
If you only stick with minimum payments on your card, then interest rates kick in and that could cost you hundreds of dollars a year. These fees will, in some cases, negate the value of all the rewards we talked about earlier.
Pro tip: You get 15 months of 0% APR on balance transfers made in the first 45 days you own your card.
Public Opinion About the NFL Extra Points Credit Card
Based on our quick research of several other credit card review sites, we found that most experts give this card a middle-of-the-road rating because the ongoing rewards rate of 1% is pedestrian compared to other cash-back cards like the Citi Double Cash (2%) and the Chase Freedom Unlimited (1.5%).
The few user comments we saw complained about bad customer service.
One reviewer on WalletHub said the benefit of booking game tickets or passes we mentioned earlier is useless, saying he checked the rewards site every day to book tickets and nothing ever showed up except Q&A’s with former players.
A Q&A with a former player is pretty cool as a standalone experience but not if you’re looking to book Super Bowl sideline passes.
Pros of the NFL Extra Points Credit Card
The clear upside here that sets this card apart from others is the 20% discount on purchases made at NFLShop.com and the ability to book fan experiences like sideline passes and Pro Bowl tickets (when available). Another great perk is the 10,000-point intro bonus.
Cons of the NFL Extra Points Credit Card
The downside to this card is that the rewards rate is below-average (1%) and the bonus rate (2%) is very limited in that it’s only good on NFL purchases.
Most brand-linked credit cards give you at least 5% for shopping at their stores – Walmart and Target’s credit cards are a good example.
Who Will Most Enjoy This Card?
Our research shows that the person who could enjoy this card the most is the one who makes frequent, high-dollar purchases on NFLShop.com because these types of purchases play into the card’s main strength.
If that’s not you and you just want a card that will give you great rewards, think about trying a card like the Chase Sapphire Preferred.
The reason we mention this card is that you get a 50,000-point bonus you could use to book a hotel and/or plane tickets for an away game, which would be a pretty memorable experience.
Aside from the Chase Sapphire Preferred, the Chase Freedom Unlimited and the Capital One Quicksilver are solid cash-back choices because they offer a $150 up-front bonus and 1.5% cash back on purchases.
If you spend $25,000 a year, then your first year of owning the card could get you $525 in cash back.