What the NFL Extra Points Visa Card Is

The NFL Extra Points Visa Card is a co-branded credit card issued by Bank of America in partnership with the NFL. It's designed for football fans who want to earn rewards on everyday purchases and redeem them for NFL-related perks. The card offers cash back or points that can go toward tickets, merchandise, or statement credits.

This is a standard rewards credit card, not a prepaid card or a debit card. You receive a monthly bill, make payments on your own schedule (within the grace period), and build credit history as you use it responsibly. The card comes with a Visa logo and works anywhere Visa is accepted.

Key Takeaways

  • The NFL Extra Points Visa earns rewards on purchases, with bonus categories that typically include gas, groceries, and dining.
  • Rewards can be redeemed for NFL tickets, team merchandise, or converted to cash back on your statement.
  • The card carries an annual fee, which Bank of America discloses at the time you review the offer.
  • You need a credit score in the good to excellent range to be considered, though the exact threshold varies by applicant.
  • Approval and card arrival typically take one to two weeks after you submit your information.

How Rewards Work on This Card

The card earns points or cash back on most purchases. Bonus categories—such as gas stations, grocery stores, and restaurants—earn at a higher rate than regular purchases. The exact earning structure changes periodically, so you should review the current offer details before you open an account.

Points accumulate in your Bank of America rewards account and can be redeemed through the bank's online portal or mobile app. You can convert them to cash back (which posts as a statement credit), transfer them to an airline or hotel partner, or use them specifically for NFL experiences like game tickets or stadium merchandise.

Some cardholders also receive NFL-specific perks, such as early access to playoff ticket sales or discounts on official NFL merchandise. These benefits vary by card version and change at the issuer's discretion.

Annual Fee and Other Costs

The NFL Extra Points Visa carries an annual fee. The amount is disclosed in the offer terms before you open the account—you will see it clearly labeled in the pricing and terms section. This fee is charged once per year, usually on your account anniversary.

Beyond the annual fee, the card works like any other credit card. You pay interest on balances you carry past the grace period, and you may incur late fees if you miss a payment. There are no foreign transaction fees on some versions of this card, though you should confirm this in your specific offer.

Who Can Open This Card

Bank of America considers your credit history, income, and existing relationship with the bank when you request this card. You typically need a credit score in the good range (670 or higher, though this varies) to have a reasonable chance of approval. The bank may approve applicants with lower scores depending on other factors, but approval is not may provide.

You must be at least 18 years old and a U.S. resident with a valid Social Security number or tax ID. If you have had a Bank of America credit card before, the bank will review your payment history with them. Recent late payments, charge-offs, or collections accounts make approval less likely.

How to Request the Card

You can request the NFL Extra Points Visa through Bank of America's website or by visiting a branch in person. Online, you will navigate to the credit cards section, find the NFL card offer, and click to start the request. The bank will ask for your name, address, date of birth, income, and employment information.

The request takes about 10 minutes to complete. Bank of America will perform a hard inquiry on your credit report, which temporarily lowers your credit score by a few points. You will receive a decision within minutes to a few days. If approved, your card ships within one to two weeks.

If you are denied, you can call Bank of America to ask why and whether you can reapply after addressing specific issues (such as paying down existing balances or waiting for negative marks to age off your report).

Activating and Using Your Card

When your card arrives, you must set up it before you can use it. Bank of America sends set up instructions with the card, or you can set up it through their mobile app or website. set up is when ready and takes less than a minute.

After set up, the card works when ready at any merchant that accepts Visa. You can use it online, in stores, or over the phone. Your first statement arrives about 30 days after your first purchase, and you will have a grace period (typically 21 days from the statement date) to pay without interest charges.

Managing Your Account and Rewards

Log into your Bank of America online account or mobile app to view your balance, make payments, and track rewards. You can set up automatic payments so your bill is paid on the same date each month, which helps you avoid late fees and interest charges.

Rewards appear in your account as you make purchases and post to your statement. You can redeem them at any time through the rewards portal. If you redeem for cash back, the credit appears on your next statement. If you redeem for NFL experiences or merchandise, you will be directed to the appropriate partner site to complete your purchase.

Keep an eye on your rewards balance and redemption options, as some NFL-specific offers (like playoff ticket access) may have limited windows or require you to act within a certain timeframe.

Frequently Asked Questions

Can I use this card internationally?

Yes, the card works anywhere Visa is accepted outside the U.S. However, most versions of this card charge a foreign transaction fee (typically 3% of the purchase amount). Check your specific offer to confirm whether foreign transaction fees explore to your card.

What happens if I miss a payment?

A late payment is reported to the credit bureaus after 30 days and damages your credit score. Bank of America will charge a late fee (the amount depends on your balance and history). If you miss a payment, contact the bank when ready to bring your account current and discuss your options.

Can I transfer my rewards to another person?

Rewards are tied to your account and cannot be transferred to another person. However, you can redeem them for merchandise or experiences and give those as gifts. Some NFL ticket redemptions may allow you to designate another person as the ticket recipient.

What is the difference between this card and a regular Bank of America rewards card?

The main difference is the NFL branding and partnership benefits. This card may offer exclusive access to NFL events, merchandise discounts, or playoff ticket presales. The earning rates and annual fee structure may also differ. Compare the specific offer details to a standard Bank of America rewards card to see which fits your spending better.

How do I close this account if I no longer want it?

Call Bank of America's customer service number on the back of your card and request account closure. Pay any remaining balance first. Closing the account will not remove it from your credit history when ready, but it will stop accruing new charges and annual fees.