NFL Extra Points™ Visa® Credit Card Review: Rewards, Fees & Benefits

Rewards

Reward TypePoints

Base Rate1x / 1%

Bonus RateUp to 3x

Point Value~0.01¢ each

ExpirationPoints expire 5 years after the date they are posted to the points balance; points are forfeited upon account closure (except New York residents receive a 90-day window), program termination, or bankruptcy.

Redemption NotesStatement credit redemption rate is 200 points = $1.00 (0.5 cents per point), which is lower than typical merchandise or experience redemptions; redemption value of points is variable based on the reward chosen. Points may not be combined with points from any other account and cannot be transferred.

Category	Rate	Type	Cap
NFL & Team Purchases 3 points per $1 on net eligible purchases at NFLShop.com, NFL Team Retail Stores, NFL Team Online Stores, NFL Team Stadiums, and qualifying NFL game ticket purchases at NFL Team Ticket Offices, Ticketmaster, SeatGeek, and Sports Illustrated Tickets; earning depends on merchant classification codes and does not apply to purchases via PayPal or Venmo.	3x	Points	No cap
Dining & Bars 2 points per $1 at bars and restaurants as identified by merchant classification codes; purchases via PayPal or Venmo do not earn additional points.	2x	Points	No cap
Groceries 2 points per $1 at grocery stores as identified by merchant classification codes; purchases via PayPal or Venmo do not earn additional points.	2x	Points	No cap
Food Delivery 2 points per $1 on food delivery purchases as identified by merchant classification codes; purchases via PayPal or Venmo do not earn additional points.	2x	Points	No cap
Fitness & Gyms 2 points per $1 on fitness memberships and gym purchases as identified by merchant classification codes; purchases via PayPal or Venmo do not earn additional points.	2x	Points	No cap
All Other Purchases 1 point per $1 on all other net eligible purchases everywhere Visa is accepted; not earned on unauthorized charges, balance transfers, cash advances, interest, fees, or purchases via PayPal or Venmo.	1x	Points	No cap

Benefits & Protections

Benefit	Category	Value / Coverage
No Annual Fee The card has no annual fee.	Financial	$0 Up to $0
Everyday Purchase Multiplier Earn 1 point for every $1 spent on all other eligible purchases.	Rewards	1x points
Gas & Grocery Multiplier Earn 2 points for every $1 spent on eligible gas and grocery purchases.	Rewards	2x points
NFL Purchase Multiplier Earn 3 points for every $1 spent on eligible NFL purchases, including at NFLShop.com and in-stadium at NFL games.	Rewards	3x points
Welcome Bonus Points Earn 10,000 bonus points after spending $500 on purchases in the first 90 days of account opening.	Rewards	10,000 points
Zero Fraud Liability Cardholders are not held responsible for unauthorized purchases made with their card or account information. This is a standard Visa network benefit.	Security	—

Interest Rates

Purchase APR17.49%–31.49% Variable

Balance Transfer APR31.49%

Cash Advance APR31.49%

Min. Interest Charge$3

Fees

Annual Fee $0 — No Annual Fee

Foreign Transaction Fee3%

Balance Transfer FeeEither $10 or 5% of the amount of each transfer, whichever is greater

Cash Advance FeeEither $10.00 or 5.0% of the amount of each cash advance, whichever is greater

Late Payment FeeUp to $41

Returned Payment FeeUp to $41

Approval & Eligibility

670 Recommended minimum FICO · Range 670–850

300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional

Approval DifficultyModerate

Credit ProfileGood

Approval OddsGood

Decision TimeInstant

Pre-QualificationAvailable (no hard pull)

Student EligibleYes

Business EligibleNo

Issuer Rules & Restrictions

Shutdown Risk Triggers

Extended account inactivity, misuse of the rewards program or earning points in a manner not consistent with typical consumer activity, fraudulent activity related to the account or rewards program, account becoming delinquent, failure to make timely payments, high overall credit utilization across Comenity Capital Bank-issued accounts, too many recently opened accounts or hard inquiries flagged during a periodic issuer-initiated credit review

International Friendly

May have limitations for international use.

Additional Issuer Rules

The NFL Extra Points Visa Credit Card has no publicly documented once-per-lifetime bonus restriction, card-family blocking rule, or formal cooldown period for reapplication. No specific welcome bonus with a publicly advertised points amount or spend-and-wait structure is currently published for this card; the program terms note that bonus offers are made periodically at Comenity Capital Bank's discretion and may be communicated via email only. Comenity Capital Bank does not publish a formal maximum-cards-per-issuer rule, though community data indicates that holding multiple recently opened Comenity accounts or a deteriorating credit profile at the time of a periodic issuer-initiated credit review can result in adverse action.

Military & Hardship

MLA Compliant

Complies with the Military Lending Act (36% APR cap for active duty servicemembers).

SCRA Benefits

Interest rate on pre-service balances capped at 6% APR during active duty per federal SCRA requirements. No additional benefits beyond the statutory minimum are publicly disclosed by Comenity Capital Bank for this card.

Hardship Program

Hardship program available.

NFL Extra Points™ Visa® Credit Card