points program http://www.wisebread.com/taxonomy/term/16745/all en-US NFL Extra Points Card: Fumble or Touchdown? http://www.wisebread.com/nfl-extra-points-credit-card-review <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/nfl-extra-points-credit-card-review" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/couple-with-football-tickets-iStock_000004519967Small.jpg" alt="couple with football tickets" title="couple with football tickets" class="imagecache imagecache-250w" width="250" height="166" /></a> </div> </div> </div> <p>The 2012 football season got off to a rocky start after the NFL locked out the referees. But now that the real refs have returned to the field, fans are renewing their passion for the grid iron. And with the World Series seeing its lowest television ratings ever, football can truly claim to be America's favorite game.</p> <p>But there is a problem for football fans.</p> <p>Teams play only eight regular season games at home compared to 81 baseball home games. This makes tickets incredibly hard to obtain and increasingly expensive. According to the <a href="https://www.teammarketing.com/public/uploadedPDFs/FINAL_%20NFL_FCI_2015.pdf">Team Marketing Report</a>, the average cost of an NFL ticket in 2015 is $85.83, assuming you can find one. But wait &mdash; Barclaycard offers its NFL Extra Points credit card that can earn rewards in the form of tickets to any regular season games and even the Super Bowl.</p> <h2>Why We Like This Card</h2> <ul> <li>10,000 sign-up bonus points</li> <li>Special financing on football ticket purchases</li> <li>20%&nbsp;discount at NFLShop.com</li> </ul> <h2>How the Card Works</h2> <p>NFL Extra Points cardholders earn rewards for spending in the form of points in the NFL rewards program. New cardholders will earn 10,000 bonus points after $500 in purchases in the first 90 days, redeemable for $100 cash back. After that, 1 point is earned 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.</p> <p><strong>Sign up offer:</strong>&nbsp;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%&nbsp;introductory APR&nbsp;for 15 months on balance transfers made within 45 days of account opening. (After that, a variable APR of 15.24%, 20.24%, or 25.24% will apply, based on your creditworthiness.) There is a fee for balance transfers.</p> <h3>Redeeming Points</h3> <p>When it comes time to spend your points, you have several options.</p> <p>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 &quot;statement credit&quot;), which is worth $35.50. Obviously, the statement credit makes more sense than the gift card. Here's where it gets interesting &mdash; two regular season game tickets cost 25,000 points, and two Super Bowl tickets cost 200,000 points.</p> <p>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:</p> <blockquote><p>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 &mdash; just that they will get a pair of tickets to the game.</p> </blockquote> <h2>Other Benefits</h2> <p>NFL tickets aside, this card does offer a handful of other valuable features:</p> <p><strong>Special financing on football tickets</strong>. When cardholders use this card to purchase tickets to football games from any participating NFL&nbsp;ticket team office, they will be eligible for a 0%&nbsp;promotional APR&nbsp;for six months from the purchase date. After that, a variable APR&nbsp;of 15.24%, 20.24%, or 25.24% will apply, based on your creditworthiness. No minimum purchase ticket amount is required.</p> <p><strong>20%&nbsp;off at NFLShop.com</strong>. All cardholders receive a 20% discount at NFLShop.com, which equates to a $20 discount off every $100 purchase you make.</p> <p><strong>Visa Signature benefits</strong>. As a Visa Signature card, NFL Extra Points cardholders are eligible for travel accident insurance, purchase protection policies, and a concierge program.</p> <p>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.</p> <h2>Costs</h2> <ul> <li>$0 Annual Fee</li> <li>15.24%, 20.24%, or 25.24% Variable APR (purchases and balance transfers)</li> <li>3%&nbsp;Balance Transfer Fee</li> <li>3%&nbsp;Foreign Transaction Fee</li> </ul> <h2>Pros</h2> <p><b>Access to NFL tickets. </b>If having this card can get you into sold out games, or even the Super Bowl, a real football fan understands the value.</p> <p><b>Cash back rewards. </b>If in the end, your mortgage comes before your team, you can always cash out your rewards.</p> <p><b>Perks. </b>Don't discount the NFL store discounts, especially as this card has no annual fee.</p> <p><b>Sign up bonus. </b>10,000 points is worth at least $100 cash back. This is not an incredible sign up bonus, but it is respectable for a card without an annual fee.</p> <h2>Cons</h2> <p><b>Only one point per dollar on most purchases. </b>This nominal rate of rewards is like getting 1% cash back. Other cards offer bonus points for gas, groceries, or other common purchases.</p> <p><b>Stupid gift card option.</b> I still can't believe that a $25 NFL gift card is 3,550 points. Why not just redeem the same points for $35.50?</p> <p><b>Unsure Super Bowl seats. </b>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.</p> <h2>Who This Card Is Best For</h2> <p>Since there is no annual fee for this card, it may be tempting to conclude that cardholders have nothing to lose for 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 flier miles for two round trip business class tickets to Europe rather than two Super Bowl tickets. Again, the choice is yours.</p> <p>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.</p> <p><strong><a href="http://www.wisebread.com/topic/personal-finance/credit-cards?ref=review">Back to the Credit Card Guide</a></strong></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/jason-steele">Jason Steele</a> of <a href="http://www.wisebread.com/nfl-extra-points-credit-card-review">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/crowdsourcing-experiment-barclaycard-ring-mastercard">Crowdsourcing Experiment: Barclaycard Ring MasterCard</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/barclays-us-airways-premier-world-mastercard-review">Barclays US Airways Premier World MasterCard Review</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-secured-credit-cards">The 5 Best Secured Credit Cards</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/fidelity-rewards-credit-card-review">Invest Your Rewards With the Fidelity Rewards Visa Signature Card</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/barclaycard-credit-card-offers-applications-reviews">Barclaycard Credit Card Offers: Applications &amp; Reviews</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Credit Cards barclaycard barclays credit card review points program rewards points Super Bowl Fri, 09 Nov 2012 10:36:54 +0000 Jason Steele 955656 at http://www.wisebread.com