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7 Shocking Facts About The NFL Extra Points Visa Card Before The Massive Sponsor Change

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The NFL Extra Points Visa Credit Card, issued by Comenity Bank, has long been the go-to financial product for dedicated football fans looking to turn their fandom into tangible rewards. As of today, December 20, 2025, this card remains a powerful tool for earning cash back, discounts, and exclusive access to the National Football League, all without an annual fee. However, the world of NFL credit card sponsorships is on the cusp of a massive upheaval, and current or prospective cardholders need to understand the immediate benefits of the Visa card and the major changes looming on the horizon.

The card’s rewards structure is specifically designed to maximize spending on all things football, offering a high rewards rate on everything from team merchandise to game tickets. But with a new payment card sponsor set to take over in the near future, the clock is ticking on the specific benefits and reward earning categories that have defined the NFL Extra Points Visa for years. Understanding the current program is essential for maximizing your points before the switch.

The Current NFL Extra Points Visa Card: A Full Breakdown of Benefits

The NFL Extra Points Visa Credit Card is built to reward the loyal fan, offering a tiered rewards structure that makes it one of the most rewarding sports-specific cards on the market. The card’s issuer, Comenity Bank, has established a program that goes beyond just merchandise discounts, extending its earning potential to everyday spending categories. This structure is key to accumulating a massive points balance quickly.

Extra Points Earning Structure: How to Score Big

  • 3% in Rewards (3 Points per $1): This is the top-tier earning rate, applied to qualifying NFL purchases and NFL team purchases. This includes spending at the official NFLShop.com, buying tickets to games, and in-stadium purchases at concession stands and team stores. This high rate essentially gives you 3% cash back on your biggest fandom expenses.
  • 2% in Rewards (2 Points per $1): The card extends its value to essential lifestyle categories that often overlap with game day. Cardholders earn 2% back on all grocery store purchases, food delivery services, dining at restaurants, gym memberships, and sporting goods stores. This makes it a strong contender for everyday spending, not just game-day expenses.
  • 1% in Rewards (1 Point per $1): All other purchases made with the NFL Extra Points Visa Credit Card earn a standard 1% in rewards.

Key Financial Details and Sign-Up Bonus

The card’s financial structure is highly attractive to consumers looking to avoid extra costs and benefit from introductory offers.

  • $0 Annual Fee: The card comes with no annual fee, making it a zero-cost way to access premium NFL rewards and discounts.
  • Sign-Up Bonus: New cardholders can earn a significant bonus. Currently, you can get $100 Cash Back when you spend $500 on purchases outside of the NFL in your first 90 days from the account open date. This is paid as a statement credit.
  • Introductory APR: The card often features a 0% introductory Annual Percentage Rate (APR) on purchases and balance transfers for a promotional period, which can be a valuable tool for managing new purchases or consolidating debt.
  • Variable APR: After the introductory period, the regular APR is variable, ranging from 17.74% to 31.74%, based upon your creditworthiness.

Maximizing Your Extra Points: Redemption and Exclusive Perks

Earning points is only half the game; the true value of the NFL Extra Points Visa is realized through its unique and fan-centric redemption options. The card's rewards catalog is tailored to the NFL enthusiast.

Redeeming Your Points: Cash Back vs. Experiences

Cardholders have several options for cashing in their accumulated Extra Points:

  • Cash Back/Statement Credit: Points can be redeemed for cash back or a statement credit, which is the most flexible option. The rewards rate of 3% on NFL purchases implies a point value of roughly 1 cent per point for statement credits, making the rewards highly competitive.
  • NFL Merchandise: Points can be used to purchase official NFL merchandise from the rewards catalog.
  • NFL Experiences and Tickets: One of the most sought-after redemption options is for unique NFL experiences and game tickets. These can include VIP access, meet-and-greets, and other exclusive opportunities that a typical fan cannot buy with cash.

The 20% NFLShop.com Discount

Beyond the points, every cardholder receives a standing 20% discount on every purchase made at NFLShop.com when using the NFL Extra Points Visa Credit Card. This is a massive perk for fans who frequently buy jerseys, apparel, and memorabilia, as it can be combined with the 3% rewards rate for even greater savings.

The Massive Shift: American Express Replacing Visa as NFL Sponsor

The most crucial and up-to-date piece of information for any current or prospective NFL Extra Points Visa cardholder is the impending change in the NFL’s official credit card and payment card sponsor. This change will fundamentally alter the landscape of NFL-branded financial products.

The End of an Era for Visa

Multiple reports have confirmed that American Express (Amex) will replace Visa as the National Football League's official corporate sponsor in the credit card and payment card category. This new, multi-year agreement is set to begin around the 2026 NFL season, marking the end of Visa’s long-standing league-wide deal.

This news is significant because it means the current NFL Extra Points Visa Credit Card program, issued by Comenity Bank, will eventually be phased out or fundamentally changed. The specific rewards structure (3% on NFL, 2% on groceries/dining, $100 bonus, 20% discount) is tied to the current Visa/Comenity partnership. Once the sponsorship transitions to Amex, a new card and a completely new rewards program will be introduced by the new partner.

What This Means for Current Cardholders

For individuals currently holding the NFL Extra Points Visa, there are several key takeaways:

  • Immediate Action: The card is still active and the rewards program is still running. Cardholders should continue to use the card to maximize their rewards, particularly the 3% on NFL purchases and the 20% NFLShop.com discount, while they are still available.
  • Redeem Your Points: It is highly advisable to monitor your points balance and consider redeeming them for cash back, gift cards, or merchandise before the transition date. While credit card issuers are required to provide a path for existing cardholders to redeem their rewards, the value or options may change once the program is closed or converted.
  • Anticipate the New Card: The Amex partnership will lead to the launch of a new NFL-branded credit card. This new card will likely feature a different rewards structure, annual fee, and suite of benefits, tailored to Amex’s premium offerings and network perks.

The transition period offers a unique opportunity: current cardholders can maximize the benefits of the existing Visa card while also anticipating a potentially premium new card from American Express. This financial shift is a major development in the world of sports credit cards, and fans should stay informed to ensure they don't miss out on either the current or future rewards.

7 Shocking Facts About the NFL Extra Points Visa Card Before the Massive Sponsor Change
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