NFL Extra Points Card: Fumble or Touchdown?

By Jason Steele. Last updated 16 May 2017. 2 comments

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Because teams play only eight regular season football games at home, tickets to America's favorite games can be incredibly hard to obtain and increasingly expensive. According to the Team Marketing Report, the average cost of an NFL ticket in 2015 was $85.83, assuming you could find one. But wait — Barclaycard offers its NFL Extra Points credit card that can earn rewards in the form of tickets to any regular season game and even the Super Bowl.

Why We Like This Card

  • 10,000 sign-up bonus points
  • Special financing on football ticket purchases

How the Card Works

NFL Extra Points cardholders earn rewards for spending in the form of points in the NFL rewards program. You earn 1 point per $1 spent on most transactions, with 2 points earned per $1 on NFL or team purchases, such as game tickets and merchandise purchased in-stadium and at team Pro Shops.

Bonus offer: Earn 10,000 bonus points after making $500 in purchases on the card within the first 90 days of account opening (enough to redeem for $100 cash back). Also, there's a 0% introductory APR for 15 months on balance transfers made within 45 days of account opening. (After that, a variable APR of 15.49%, 20.49%, or 25.49% will apply.) There is a 3% fee ($5 minimum) for balance transfers.

Redeeming Points

When it comes time to spend your points, you have several options.

3,550 points can be redeemed for a $25 gift card at the NFL shop. However, the same 3,550 points can be redeemed for one cent each as a credit on your statement (a "statement credit") or cash, which is worth $35.50. Obviously, the statement credit or cash makes more sense than the gift card. Here's where it gets interesting — two regular season game tickets cost 25,000 points, and two Super Bowl tickets cost 200,000 points.

When I saw this, my first thought was that there must be some catch. Perhaps these are just prizes that cardholders are eligible to receive, but may not actually be available, just like so many frequent flyer mile awards? So instead of speculating, I reached out to my contact at Barclaycard to clarify:

Tickets to a game are available up to a week before the game. For regular season games, we disclose the specific sections of the stadium that are available for redemption for each team. For the Super Bowl, we do not guarantee specific locations — just that they will get a pair of tickets to the game.

Other Benefits

NFL tickets aside, this card does offer a handful of other valuable features:

Special financing on football tickets. When cardholders use this card to purchase tickets to football games from any participating NFL ticket team office, they will be eligible for a 0% promotional APR for six months from the purchase date. After that, a variable APR of 15.49%, 20.49%, or 25.49% will apply. No minimum purchase ticket amount is required.

20% off at All cardholders receive a 20% discount at, which equates to $20 off every $100 purchase you make.

Visa Signature benefits. As a Visa Signature card, NFL Extra Points cardholders are eligible for travel accident insurance, purchase protection policies, and a concierge program.

As always, I strongly recommend against getting a rewards card if you do not plan on paying all of your balances in full. Those of us who have credit card debt should look for a product with the lowest interest rate and not be tempted to spend more to earn rewards.


  • $0 Annual Fee
  • 0% intro APR on balance transfers posted within 45 days of opening the account, for the first 15 billing cycles and 0% intro APR for six billing cycles from the transaction date on all "Qualifying NFL Team Ticket Purchases." After the introductory period, the variable APR is 15.49%, 20.49%, or 25.49% (purchases and balance transfers)
  • 3% Balance Transfer Fee ($5 minimum)
  • 3% Foreign Transaction Fee


Only one point per dollar on most purchases. This nominal rate of rewards is like getting 1% cash back. Other cards offer bonus points for gas, groceries, or other common purchases. (See also: Best Credit Cards for Everyday Purchases)

Low rate of rewards. I still can't believe that a $25 NFL gift card is 3,550 points.Why not just redeem for cash or statement credit? (See also: Best Cash Back Credit Cards)

Unsure Super Bowl seats. Before I go on a quest to earn 200,000 points for Super Bowl tickets, it would be nice to know approximately how good those seats will be.

Foreign transaction fee. You should reconsider if you plan on using your card for foreign transactions because the 3% fee will cancel out any rewards you earn and end up costing you more. Instead choose a card with no foreign transaction fees to save yourself some money on foreign purchases. (See also: Best Cards with No Foreign Transaction Fees)


Capital One® Venture® Rewards: The Capital One® Venture® Rewards Credit Card awards a flat rate of 2x miles on every purchase. New cardholders can earn a one-time bonus of 40,000 miles, which is equal to $400 in travel, after you spend $3,000 in purchases within 3 months from account opening. Miles are worth one cent each and can be redeemed for statement credit toward most travel purchases.  There is no foreign transaction fee. The annual fee is $59, is waived the first year.

Who This Card Is Best For

Since there is no annual fee for this card, it may be tempting to conclude that cardholders have nothing to lose by applying. Instead, you should consider what other rewards you could have earned if you spend the same amount of money on a different reward card. For example, $25,000 of spending on another card could earn $250 in cash back or a domestic round trip airline ticket instead of two NFL tickets. But if you would rather have two NFL tickets, then this is the card for you. Likewise, $200,000 of spending could earn enough frequent flyer miles for two round-trip business class tickets to Europe rather than two Super Bowl tickets. Again, the choice is yours.

If NFL regular season and Super Bowl tickets were widely available for purchase at regular price, this would be a terrible card. But since these are some of the most sought after and expensive tickets in the world of sports, this credit card can represent an excellent way for NFL fans to attend the game of their choice.

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Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Will Chen's picture

I'm not an NFL fan, but if there's something similar for the NBA I would seriously consider it. A lot of my friends are Lakers/Clippers fans, and I know tickets to these games would make great gifts. But I just can't afford these tickets once they hit the secondary market.

Guest's picture
John Francis

I accrued 200,000 points on the Barclay NFL card with the hopes of going to the Super Bowl but when I try and redeem for a ticket it says that the are Sold Out.

I am wondering how many other Barclay card members have this problem of limited availability of Super Bowl tickets.

It seems like Barclay should disclose how many Super Bowl tickets are available for redemption each year and when those tickets are offered for redemption. Currently they you have to keep checking back to see if the tickets are available which is a real crap shoot.

If I would have known that the Super Bowl tickets are so difficult to get I would not have signed up for this card and spent so much time accruing points on this card.