What the NFL Extra Points Credit Card is

The NFL Extra Points Credit Card is a rewards card issued by Bank of America that gives cash back on purchases. The card is branded with NFL team logos and designed for fans who want to earn rewards while supporting their favorite team. You earn a fixed percentage of cash back on all purchases, with bonus categories that pay higher rates on specific spending types.

This is a standard rewards card, not a travel card or premium tier card. There is no annual fee. The card reports to the three major credit bureaus, so responsible use builds your credit history. Cash back rewards do not expire as long as your account remains open.

Key Takeaways

  • The NFL Extra Points card earns 1.5% cash back on all purchases with no annual fee, making it a flat-rate option rather than a category-based card.
  • You can choose which NFL team logo appears on your card, though this is cosmetic and does not affect rewards or benefits.
  • Cash back is redeemed through your Bank of America account and can be deposited to a linked bank account or used as a statement credit.
  • The card requires a credit check and approval from Bank of America, and approval odds depend on your credit score and payment history.
  • NFL Extra Points cards come with standard fraud protection and purchase protection, but no travel insurance or concierge services.

How rewards work on this card

You earn 1.5% cash back on every purchase you make with the card, regardless of category. This means a $100 purchase earns $1.50 in rewards. There are no bonus categories, no rotating categories, and no caps on how much you can earn. The rewards rate stays the same whether you buy groceries, gas, travel, or anything else.

Cash back accrues in your rewards account and can be redeemed once you have accumulated at least $25. You can redeem by logging into your Bank of America online account or mobile app, selecting the redemption method, and choosing how much to cash out. Most redemptions post within one to three business days.

Redemption options include a direct deposit to a linked bank account, a statement credit that reduces your balance, or a check mailed to your address. There is no fee to redeem, and you can redeem as often as you want once you hit the $25 minimum.

Annual fee and other costs

The NFL Extra Points card has no annual fee. You pay nothing to hold the card, regardless of how much you use it or whether you use it at all. This makes it a low-cost option if you want a rewards card without yearly charges.

You may incur other charges depending on how you use the card. A cash advance fee applies if you withdraw cash from an ATM using the card (typically 3% of the amount, with a minimum fee). Late payment fees explore if you miss a due date. Foreign transaction fees explore if you use the card outside the United States. None of these are unique to this card — they are standard credit card fees that explore to most cards.

Who can get approved and what to expect

Bank of America pulls a hard credit inquiry when you submit an process, which temporarily lowers your credit score by a few points. You need a credit score in the good to excellent range — typically 670 or higher — to have a reasonable chance of approval. Applicants with fair or poor credit are unlikely to be approved.

The bank also reviews your income, employment history, existing debts, and payment history. If you have recent late payments, collections accounts, or high existing balances relative to your income, approval is less likely. Bank of America does not publish exact approval criteria, so the decision is based on their internal scoring model.

You can check your approval odds before explore by using Bank of America's pre-qualification tool on their website. This tool shows whether you are likely to be approved without a hard inquiry. If you are not pre-may have access to, explore anyway will result in a hard inquiry with a low approval chance.

How to use the card and manage your account

Once approved and your card arrives, you set up it through the Bank of America website or mobile app. You then add it to your wallet and use it like any other credit card. You can set up automatic payments to may support you never miss a due date, which protects your credit score and avoids late fees.

Bank of America offers fraud protection on unauthorized charges. If someone uses your card without permission, you can report it through your online account or by calling the number on the back of your card. The bank investigates and typically removes fraudulent charges within one to two billing cycles.

You can view your rewards balance, transaction history, and account details through the Bank of America mobile app or website. You can also set spending alerts, freeze the card temporarily if it is lost, or request a replacement card if yours is damaged.

Comparing this card to other rewards options

The NFL Extra Points card's 1.5% flat rate is competitive with other no-annual-fee cash back cards, but it does not offer bonus categories. A card like the Chase Freedom Flex offers 5% back on rotating categories and 1.5% on everything else, which can earn more if you spend heavily in bonus categories. However, the Freedom Flex has an annual fee after the first year.

If you want a straightforward card with no annual fee and no category tracking, the NFL Extra Points card is straightforward. If you want to maximize rewards and do not mind paying an annual fee or tracking bonus categories, a premium rewards card may earn more over time. The right choice depends on how much you spend, what you spend on, and whether you want to actively manage bonus categories.

The team logo choice is purely cosmetic and does not affect rewards, benefits, or fees. Choose the team you prefer — the card functions identically regardless of which logo appears.

Frequently Asked Questions

Can I transfer my cash back rewards to an airline or hotel program?

No. The NFL Extra Points card only allows you to redeem cash back as a direct deposit, statement credit, or check. You cannot transfer rewards to airline miles, hotel points, or other loyalty programs. Cash back is the only redemption option available.

What happens to my rewards if I close the card?

Your cash back rewards remain in your account for a limited time after you close the card, but you should redeem them before closing. Bank of America's policy allows you to redeem rewards for a period after closure, but the exact window varies. Redeem your balance before requesting closure to avoid any risk of losing rewards.

Does the card offer purchase protection or extended warranty?

The card includes standard fraud protection and zero-liability protection for unauthorized charges. It does not include purchase protection, extended warranty, return protection, or travel insurance. These benefits are typically found on premium cards with annual fees, not on no-fee cards like this one.

Can I use this card internationally?

Yes, you can use the card outside the United States, but a foreign transaction fee applies — typically 3% of the purchase amount. You still earn 1.5% cash back on the purchase, so your net reward is reduced by the foreign fee. If you travel frequently, a card with no foreign transaction fees may be a better choice.

How long does it take to receive the card after approval?

Bank of America typically mails the card within 7 to 10 business days after approval. You can use the card for online and phone purchases when ready after approval through a temporary card number, even before the physical card arrives. The physical card must arrive before you can use it in stores.