NFL Extra Points Visa®: Ultimate Credit Card for Football Fanatics

Maximize Your NFL Rewards and Cash Back on Game Tickets, Merchandise, and Everyday Purchases

Por estoa Em 8 ago, 2024

Unlock the ultimate NFL experience with the NFL Extra Points Visa®! As football season rolls around, NFL fans can elevate their game with exclusive perks, cashback, and rewards designed just for them. Curious how this card stacks up against other options? Read on to find out why the NFL Extra Points Visa® might just be the play you've been waiting for.

NFL Extra Points Visa® Credit Card Overview

Die-hard NFL enthusiasts will appreciate the benefits of the NFL Extra Points Visa®, a card issued by Comenity Bank that offers unique advantages related to your favorite sport. However, occasional fans or those looking for comprehensive everyday rewards may find other options more appealing.

Benefits and Features of the NFL Extra Points Visa®

This card steps up to the line of scrimmage with no annual fee and a range of rewards, making it attractive for genuine NFL fans.

Key Highlights

Annual Fee: $0
Rewards Rate: 1%-3%
Introductory Offer: Earn $100 Cash Back when you spend $500 on non-NFL purchases in the first 90 days.
Variable APR: 17.49%-27.49%
Balance Transfer Fee: Either $10 or 5% of each transfer, whichever is greater.
Foreign Transaction Fee: 3%
Special Financing: 0% intro APR for six months on NFL ticket purchases.

Exclusive NFL Perks

The NFL Extra Points Visa® comes equipped with exclusive perks that cater to true football fans. Cardholders can enjoy:

3% Rewards on NFL and team purchases, including merchandise and tickets.
2% Rewards on grocery stores, food delivery, dining, gyms, and sporting goods.
1% Rewards on all other purchases.
20% Off NFLShop.com when paying with the card and using the code EXTRAPOINTS.
Access to NFL Events: Opportunities to attend games and events like the Super Bowl and NFL draft.
Ticket Financing: Special 0% APR financing for six months on NFL tickets over $250.

Pros and Cons

NFL Extra Points Visa® vs. Other Credit Cards

When comparing the NFL Extra Points Visa® to other rewards cards, it's crucial to consider what aligns best with your spending habits and financial goals.

Citi Double Cash® Card

Annual Fee: $0
Intro APR: 0% on balance transfers for 18 months
Regular APR: 19.24%-29.24%
Rewards Rate: 2% cash back on all purchases (1% when purchased, 1% when paid)

The Citi Double Cash® Card stands out for its straightforward approach to rewards, offering 2% cash back on all purchases without category restrictions. This makes it a solid option for those seeking higher returns on everyday expenses.

Chase Freedom Unlimited®

Annual Fee: $0
Intro APR: 0% on purchases and balance transfers for 15 months
Regular APR: 20.49%-29.24%
Rewards Rate: Up to 5% on rotating quarterly categories

Chase Freedom Unlimited® offers considerable flexibility and benefits beyond just NFL purchases, providing up to 5% back on specific categories throughout the year.

Maximizing the NFL Extra Points Visa®

To get the most out of the NFL Extra Points Visa®, focus on leveraging its unique NFL-related rewards and financing options. If you're a regular attendee of games or a frequent purchaser of NFL merchandise, this card can provide substantial savings.

NFL Shop Discounts and VIP Experiences

One of the standout features is the 20% discount on NFLShop.com, which can significantly cut costs for those who regularly buy team gear. Additionally, the opportunity to access VIP experiences and tickets to exclusive events can be a major draw for dedicated fans.

Considerations and Drawbacks

While the NFL Extra Points Visa® offers specific benefits for NFL fans, it may fall short for everyday use. The card’s rewards structure is less favorable compared to other cash-back cards, which often provide higher returns across a broader range of spending categories.

Cash Back Redemption Value

One notable drawback is the lower redemption value for cash back. With 200 points equating to $1 in statement credit, the NFL Extra Points Visa® essentially offers a half-cent per point compared to the industry standard of one cent per point.

Foreign Transaction Fees

For those who travel frequently or plan to follow their team abroad, the 3% foreign transaction fee is a disadvantage. In such cases, a travel credit card without these fees, like the Bank of America® Travel Rewards credit card, might be more suitable.

Final Verdict: Is the NFL Extra Points Visa® Right for You?

If you’re an NFL superfan who lives and breathes football, the NFL Extra Points Visa® Credit Card can be more than just a piece of plastic; it’s your ticket to exclusive perks and rewards. However, if your spending is not heavily concentrated on NFL-related activities, you might find more value in a general rewards card like the Citi Double Cash® Card or the Chase Freedom Unlimited®.

For those who are considering this card, remember that the value truly shines for NFL-specific purchases and experiences. Weigh your options and determine whether the NFL Extra Points Visa® aligns with your financial habits and rewards preferences before making the final decision.

By capitalizing on the unique offerings of the NFL Extra Points Visa®, fans can tackle exciting rewards and game-day perks. Whether you're buying tickets, shopping for merchandise, or financing your football adventures, this card has its place in a fan's wallet. Explore your options and see if this NFL-branded credit card is the MVP for your financial game plan.

Annual Fee Considerations

One of the most appealing aspects of the NFL Extra Points Visa® is its $0 annual fee, which makes it an affordable option for dedicated football fans. Many competing rewards cards charge fees that can quickly eat into any earned rewards, but the NFL Extra Points Visa® ensures that more of your money stays in your pocket. This no-cost entry is particularly enticing for those who want to reap the benefits without committing to an annual expenditure. However, if your spending is diversified across many categories beyond football, it might be worth comparing the NFL Extra Points Visa® with other options that offer higher general rewards, despite a potential annual fee.

Earning and Redeeming NFL Points

The card’s rewards system is deliberately structured to make NFL-related purchases highly lucrative. With 3% back on NFL and team purchases and 2% on groceries, dining, and gym memberships, you can quickly amass points. However, one of the unique aspects of the NFL Extra Points Visa® is its specific redemption opportunities. Points can be redeemed for statement credits, but the true value lies in redeeming them for exclusive NFL experiences and merchandise. The 20% discount at NFLShop.com, coupled with opportunities for special event tickets, makes this card especially advantageous for die-hard fans. Still, it's essential to understand the points value and redemption limitations before jumping in.

Weighing the Pros and Cons for Your Lifestyle

Ultimately, whether the NFL Extra Points Visa® is suitable for you depends on how you align your daily expenditures with the card's rewards structure. If groceries and dining are routine expenses, you might find excellent value with the NFL Extra Points Visa®. Additionally, the card's special financing options on NFL ticket purchases can make attending games more affordable, especially when budgeting for an entire season of events. However, for those who seldom engage in NFL-related purchases or seek a more straightforward cash-back system, other cards like the Citi Double Cash® or Chase Freedom Unlimited® may provide more consistent rewards without the specific focus on football-related spending.

Feeling like the NFL Extra Points Visa® might not be your top choice? There’s another unconventional option out there that could suit your needs better. Intrigued? Discover this alternative and find out how it stacks up against your current favorite.

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