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Review of the NFL Extra Points™ Platinum Plus® Visa®
Card issued by FIA Card Services, N.A.
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Summary - The NFL Extra Points™ Platinum Plus® Visa® is designed for the NFL fan to earn reward points that can be exchanged for NFL tickets, merchandise and even VIP Pro Bowl Experience. But as I will reveal later in the review, there is a much better card to get that will earn you more rebates for NFL merchandise. Read on to find out about it.
Reward Formula - The NFL Extra Points Credit Card allows you to earn one point for every dollar you spend on the card. You can use these points to redeem for NFL items like tickets, merchandise and events. Reward points are valid for five years.
Annual Fee and APR - The NFL Extra Points Visa has no annual fee. New cardholders get a 0% introductory APR on both cash advance checks and balance transfer (subject to a balance transfer fee). The APR thereafter is either 9.99% or 15.99% depending on your credit. The average daily balance method (including new purchases) is used to calculate your monthly balance.
Alternative - Though this card is supposed to allow NFL fans to earn rewards which they can redeem at nlfshop.com, the problem is that they only allow you to earn one point for every dollar that you spend on the card. This is not very attractive.
If you are want to get rebates and discounts for nfl products, I would reccommend that you get the Discover® More(SM) Card because you can actually earn 10% rebates at nflshop.com. Discover has a feature called shopdiscover.com, which has over 100 online merchant (including nflshop.com). It works this way. Normally, if you want to buy something from nflshop.com, you would go to nflshop.com. But if you are a Discover Card holder, you can login into your Discover account, and go to the nflshop.com site from there. Below are screenshots showing you the steps.
Once you go to the online merchant page, just scroll down and look for nflshop.com. You will find that if you shop at nflshop.com with your Discover Card, you will earn 10% rebates.
The next step is to click on the nflshop.com link, which will take you to the terms and conditions page. The only caveat is that gift certificates, shipping and taxes are not valid for the 10% cash rebates.
Once you click on the "start shopping" button, you will be taken to the nflshop.com site. By going through the site this way, your purchases with your Discover Card can be tracked.
Verdict - The NFL Extra Points™ Platinum Plus® Visa® Card only allows you to earn one point for every dollar that you spend on the card. If you are considering this card, I would suggest you get the Discover® More(SM) Card instead as you can earn 10% rebates from shopping at nlfshop.com. But furthermore, you can earn rebates shopping elsewhere as well (including the mlb.com, nascarstore.com and nbastore.com).
Positives
No annual fee0% APR for both cash advance and balance transfers for twelve billing cyclesLow interest rates
| Reward Formula |
Earn one point for every dollar spent on the card |
Customer communications are send in Spanish and English
Total Security Protection
Various Internet account related services
Auto rental insurance
Various travel and emergency assistance services
Free Year-End Summary Statement
Lost luggage recovery
No liability for unauthorized Internet transactions
Discounts on auto rentals
Optional Mini Card
See website for additional benefits
Optional Purchase Guard
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| (APR) Purchase |
Goto rate is 9.99% for Platinum Plus Accounts or 15.99% for Preferred Accounts |
| (APR) Balance Transfer APR |
Intro Rate - 0% for twelve billing cycles. Goto rate is 9.99% for Platinum Plus Accounts or 15.99% for Preferred Accounts |
| (APR) Cash Advance |
Intro Rate - 0% for twelve billing cycles. Goto rate is 9.99% for Platinum Plus Account
15.99% for Preferred Accounts
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| Finance Configuration |
Average Daily Balance (including new purchases) |
| Annual Fees |
None |
| Additional Cardholders |
$0 |
| Grace Period |
20 days (Min) |
| Late Payment fee |
Based on Account balance on the fee assessment date - $15 for balances less than or equal to $100, $29 for balances $100.01 to $250, $39 for balances greater than $250. |
| Over-the-credit-limit fee |
Based on the highest Account balance during the Billing Cycle - $15 for balances less than or equal to $500, $29 for balances $500.01 to $1000, $39 for balances greater than $1000. |
| Cash Advance fee |
3% min $10.00 |
| Balance Transfer fee |
None when Balance Transfer is requested at time of application; thereafter, 3% of each advance (min. $10) |
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