NFL Extra Points Credit Card
Consumer Reviews, Credit Score and Income Needed, Credit Limits

Picture of NFL Extra Points Credit Card
65 Reviews
Consumer Rating:


Apply Here 3.8
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532
Average Score:
670
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819
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Best Review
OVERALL RATING
I got this card because I am a huge football fan and I buy a lot of stuff from nfl.com and nfl stores. For me, it is an opportunity to earn reward points to save money on future purchases. The 20% discount is also a huge help. For those who do not shop a lot at nfl stores, I really do not see the point of getting this card though from the reviews I've read, it seems like a good card to get your score up.

Had a mid 600 score and got a $1500 CL. I have had 3 other cards for the last 2 years and have paid on time and in full. Utilization is low at about 25%. I got into trouble a few years ago and the last 2 years have been in a clean up mode.
By kieren : 01/24/2014
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Most Helpful 4-5 Star Review
OVERALL RATING
From my experience, I can say that if you shop at nfl.com, you will like this card. This 20% discounts are a great bonus as is the points you earn.

I cannot say much in terms of customer service because I have not called them.

Approval was easy for me. Applied online and was approved on the spot. Score: 693 (TU I think). CL was $1200.
By camp : 02/19/2014
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Most Helpful 2-3 Star Review
OVERALL RATING
After having this card for 2 years, I would say that this would be a great card if you really are a football fan and you use points for things like jerseys and even tickets for your team. Sometimes, tickets are to be gotten for 20k points and if you have them available, that saves you quite a bit.

Having been given a low limit, I got a CLI after 1 year to $3k. So I have no complaints.
By skip : 03/05/2014
 
Credit Score: 819 Credit Limit: 10 Age: 55-64
Posted 08/19 2019
Overall Rating:
I have had this card for 9 years. Every once and a while I have an online issue where I need a credit. I wait to pay the balance till the charge is cleared. I always pay the full amount and never the min. I have had a few times where I didnt get my balance or the mail stating I had received the credit. This last time they wanted a $27 dollar fee for being late. I have had this before due to same situations but they credit it back because I ALWAYS pay my bill. Today however they would not. I realize it is the managers choice, so she decided $27 was worth more to this company then the thousands I have spent with them. Cancelled acct and will never do business with them again
 
Credit Score: 795 Credit Limit: 11800 Age: 45-54
Posted 06/13 2019
Overall Rating:
Customer service is complete trash. DO not use this card unless you fully trust the merchant. I used the card to leave a "deposit" on an item to hold it until I could pay cash the very next day. The merchant to this day has not refunded my "deposit". I disputed the charge with Barclays and they called the merchant and put us on a 3 way call and hung up. I could have called the merchant myself. I called a few days later after the merchant promised a refund and Barclays asked me for proof that I deserved a refund. I told them to call the merchant and have him prove he was due the money like every other credit card company on the planet. Long story short it appears I am out a grand and Barclays helped facilitate the theft. Piece of Garbage credit card!!!
 
Credit Score: 691 Credit Limit: 0 Age: 25-34
Posted 11/18 2018
Overall Rating:
I've had the card for almost 7 1/2 years and earlier this year I paid off the card and hadn't used it but I had to use it last week and it added a balance on my card for $650 so there was no min payment due because I used the card after the credit report update but I was going to make a payment on it anyhow so I would have to worry about anything but when I went into my account it was literally a 24 hour difference that my class was reduced by $1200 so I called and no one wanted to tell me what happened and when I asked for a manager on duty to speak to I got a run around before someone got on the phone I told them after they gave me run around that I wanted to get a call back asap on Monday morning 11/19/18 9ampt to have someone tell me what happened I tell you what even though I've had the card for a long time after I pay off the balance I'll call this line of credit for sure
 
Credit Score: 730 Credit Limit: 10 Age: 45-54
Posted 04/21 2018
Overall Rating:
This card has the worst customer service. I've been with them for over 4 years and lately have been trying to get a credit increase (currently @ $10,000.00) to lower my credit usage. Currently was at 14% usage and after they pulled my credit score (730 fico with no negative no late payments) they lowered my credit limit to $1,800.00 due to applying for few better cards with lower apr. They lowered my credit limit by $8,200.00 and they didn't even notify me they had lowered my credit limit until I noticed my credit usage went way up which lowered my fico score. I called Barclays and they basically said they wouldn't do anything since I've been looking for lower interest cards even though I've been with them for 4 years with no missed payments. Worst credit card company I've ever dealt with and so I cancel the card and will never get another card from them again. I'm surprised they are in business treating their loyal customers this way.
 
Credit Score: 637 Credit Limit: 1000 Age: 35-44
Posted 12/12 2016
Overall Rating:
 
Credit Score: 725 Credit Limit: 6000 Age: 25-34
Posted 09/05 2016
Overall Rating:
Review continued on from previous...they gave me a $6,000 limit and was given their lowest APR of 15.24%! So far, this experience has been great!!
 
Credit Score: 725 Credit Limit: 0 Age: 25-34
Posted 08/30 2016
Overall Rating:
My first Barclayscard and was approved on the spot! I'm a huge football fan and now I have a credit card designed with my favorite team!! Adding this card along side my Discover It and Preferred American Express card. Going to a few games this year and the addition to the NFL Extra Points Card will definitely go to good use!
 
Credit Score: 718 Credit Limit: 3700 Age: 45-54
Posted 08/20 2016
Overall Rating:
Don't apply for this card if you have lots of other cards! I got approved initially for 7000 CL. After one year they reviewed my account and credit report and sent me a letter saying my CL had been reduced to 3700. Even though my credit score is 718 with no late payments to anyone and pay more than the minimum payment on all accounts! I called customer service twice and got the same answer...too many credit cards with balances. They said they would consider restoring my original credit limit if I would pay off and close some of my other cards. Customer service was friendly so I gave them 3 stars for that.
 
Credit Score: 778 Credit Limit: 20 Age: 35-44
Posted 05/01 2016
Overall Rating:
I got a credit line of $20,000 so thumbs up so it's all based on your credit worthiness yup just pay off the full balances all at once!








 
Credit Score: 648 Credit Limit: 2000 Age: 25-34
Posted 04/12 2016
Overall Rating:
$649.00 /648= good customer service.
 
Credit Score: 709 Credit Limit: 5000 Age: 35-44
Posted 10/08 2015
Overall Rating:
In initially applied with a score of 709 and instantly got approved for 1500 Cl. I called the customer service line and asked for an increase, it was increased to 5000 CL. Customer service has been great so far, still waiting for my card though...
 
Credit Score: 620 Credit Limit: 300 Age: 35-44
Approved 1y after Bankruptcy
Posted 08/19 2015
Overall Rating:
 
Credit Score: 560 Credit Limit: 400 Age: 45-54
Posted 08/02 2015
Overall Rating:
 
Credit Score: 595 Credit Limit: 500 Age: 18-24
Posted 01/08 2015
Overall Rating:
I have been been religiously paying down my other cc debt and am now left with my student loans only. I have used this card many times at nfl.com and their stores.
 
Credit Score: 675 Credit Limit: 500 Age: 25-34
Posted 12/17 2014
Overall Rating:
Before I got this card, I had 2 secured cards. One is the First Progress ($300 limit) and the other was a Cap One ($300) limit as well. This is finally my first unsecured no annual fee card and will be using this going forward.

My aim is to build up my credit to a higher score (over 700) and get another unsecured card or two. Then I will cancel the 2 secured cards and avoid paying their annual fee.
 
Credit Score: 620 Credit Limit: 500 Age: 35-44
Posted 11/28 2014
Overall Rating:
I applied for this card about 6 months ago and was declined. Since then, I have made down a lot of my cc debt and right now, I think my utilization is 10%. I have numerous inquiries and collections account (8).

But being a ravens fan, I really wanted this card. So I tried again and was approved for $500. Am really happy about this.
 
Credit Score: 631 Credit Limit: 1400 Age: 35-44
Posted 11/15 2014
Overall Rating:
I have several negatives on my report due to medical bills. I also have another secured card. Happy to get this card.
 
Credit Score: 706 Credit Limit: 500 Age: 35-44
Posted 10/06 2014
Overall Rating:
I got a 700 score when I applied and got approved for $500. I was actually quite surprised by this. I called recon line with no luck. Thinking back, it could be the charge off and collection I had on an old Orchard Bank card which I have finally paid off a year ago. That could be the reason why my limit was so low.
 
Credit Score: 653 Credit Limit: 500 Age: 25-34
Posted 10/02 2014
Overall Rating:
I had about 5 recent inquiries (all card apps - approved for a couple) on my report before I applied for this card. $500 was the limit I got.
 
Credit Score: 662 Credit Limit: 1300 Age: 25-34
Posted 09/09 2014
Overall Rating:
My got a $1300 CL when I first applied. Score was in the mid 600s. After 1 year, I got an increase to $3000. TU score has gone up about 30 points too.
 
Credit Score: 773 Credit Limit: 8000 Age: 35-44
Posted 08/27 2014
Overall Rating:
I got the cowboys design. This was a couple of years back when there was a 40,000 bonus sign up (which is not around now). Got a nice $8k CL.

Used the points for a jersey and managed to use it once for a ticket as well.
 
Credit Score: 747 Credit Limit: 5000 Age: 35-44
Posted 08/04 2014
Overall Rating:
I only got a $5000 CL with a mid 700 score. I would think it would be much higher than this considering that my other cards all have higher limits. It appears that Barclays are very picky when it comes to credit limits.

Got the Ravens design and have used my points for 2 jerseys. The 20% discount is also great.
 
Credit Score: 658 Credit Limit: 1000 Age: 45-54
Posted 08/02 2014
Overall Rating:
I was approved instantly for $1k. Have a short history (about a year) and a secured card from a local union. Have always paid on time. This is my first unsecured credit card.
 
Credit Score: 713 Credit Limit: 5000 Age: 45-54
Posted 05/23 2014
Overall Rating:
Am new to credit (11 months) and got approved for $5k CL. This is the largest line I have gotten. Thanks Barclays.
 
Credit Score: 675 Credit Limit: 700 Age: 45-54
Posted 03/05 2014
Overall Rating:
After having this card for 2 years, I would say that this would be a great card if you really are a football fan and you use points for things like jerseys and even tickets for your team. Sometimes, tickets are to be gotten for 20k points and if you have them available, that saves you quite a bit.

Having been given a low limit, I got a CLI after 1 year to $3k. So I have no complaints.
 
Credit Score: 626 Credit Limit: 500 Age: 25-34
Posted 03/01 2014
Overall Rating:
One of the things I like about this card is that you can redeem points for statement credit. I have used points for jerseys. But there were times when I did not know what to do with them and using them for credits was like cash back to me.
 
Credit Score: 723 Credit Limit: 5000 Age: 25-34
Posted 02/26 2014
Overall Rating:
Am giving this a three star because though I think the card is good, it is not for everybody. I am also not sure that most NFL fans would want their 'team' card. Having said that, there appears to be a lot of folks who view this card as a good one to build credit.

The one thing that is not mentioned often is that you get extra points if you pay your Direct TV subscription with this card
 
Credit Score: 693 Credit Limit: 1200 Age: 25-34
Posted 02/19 2014
Overall Rating:
From my experience, I can say that if you shop at nfl.com, you will like this card. This 20% discounts are a great bonus as is the points you earn.

I cannot say much in terms of customer service because I have not called them.

Approval was easy for me. Applied online and was approved on the spot. Score: 693 (TU I think). CL was $1200.
 
Credit Score: 663 Credit Limit: 1500 Age: 25-34
Posted 01/24 2014
Overall Rating:
I got this card because I am a huge football fan and I buy a lot of stuff from nfl.com and nfl stores. For me, it is an opportunity to earn reward points to save money on future purchases. The 20% discount is also a huge help. For those who do not shop a lot at nfl stores, I really do not see the point of getting this card though from the reviews I've read, it seems like a good card to get your score up.

Had a mid 600 score and got a $1500 CL. I have had 3 other cards for the last 2 years and have paid on time and in full. Utilization is low at about 25%. I got into trouble a few years ago and the last 2 years have been in a clean up mode.
 
Credit Score: 636 Credit Limit: 500 Age: 25-34
Posted 01/21 2014
Overall Rating:
One thing I have found out about Barclays Bank is that they are very particular over the number of inquiries that you have had. I got a $500 CL with a 630ish type score.

I called to get for a CLI since my other cards give me at least 3k limit. But I was denied because the CSR said that I had too many inquiries. Yes, it is true that I had tried to apply for 6 cards within the last 9 months (a couple were not successful).

I think to get the best chance of a good CL, you need to not apply for any credit for at least 6 months.
 
Credit Score: 733 Credit Limit: 600 Age: 35-44
Posted 01/04 2014
Overall Rating:
I initially got a $600 CL which I was quite pissed about considering that my score was in the low to mid 700s. But after 6 months, my I had a CLI to $4000.

It appears to me that Barclays was simply checking me out. I did use my card and paid off my balance every month and on time. I guess they figured I would be a good customer (although having said that, other issuers like Amex and Chase have been much more generous with their CL when I applied).
 
Credit Score: 678 Credit Limit: 700 Age: 25-34
Posted 01/03 2014
Overall Rating:
I find that Barclays is a very good company for building up your credit. If you are looking to steadily improve yours, then this card would be great. I got a very small $700 CL to start. But after 6 months of paying on time, I got it increased to $1500. Then after another year, it got increased to $3000.
 
Credit Score: 775 Credit Limit: 10000 Age: 45-54
Posted 12/29 2013
Overall Rating:
One of the perks that is not frequently mentioned here and other sites is the fact that you can get 2X points when you use this card to pay for your Direct TV subscription (NFL). The jerseys is what I am aiming for and it looks like I need a long time before I can even earn enough points for a superbowl ticket!
 
Credit Score: 762 Credit Limit: 2000 Age: 35-44
Posted 12/03 2013
Overall Rating:
I cannot believe this. I have a mid to high 700 score and got only $2k in CL. My other cards with Amex, Chase and Discover all gave me at least $7k (my lowest CL). This is simply ridiculous. Got the bonus, and used it for a jersey and I am done with this card. I have read other comments here and at other forums. I can understand that folks with lesser score get the $500 to $1000 CL level. But for me, this is a joke.
 
Credit Score: 638 Credit Limit: 2000 Age: 35-44
Posted 11/17 2013
Overall Rating:
My credit took a hit when I had medical issues years ago. Since then, I have been trying my best to rebuild my credit. I have gotten myself a cap one secured card and was looking to upgrade to a conventional no annual fee card.

I applied for this card when my score was around 638 and got a $500 CL. Got my sign up bonus pretty quickly and have been paying off my bills on time all the time. After a year, I found out that my CL has been increased to $2000 automatically. I am obviously very pleased about this. Can't recommend this card enough.
 
Credit Score: 693 Credit Limit: 1700 Age: 35-44
Posted 11/12 2013
Overall Rating:
I am a patriot fan and got this card for points since I like to buy 'jerseys'! So far, I am pretty happy with the card. Got the sign up bonus and saved quite a bit at the nfl.com store the first time I used the card there.
 
Credit Score: 731 Credit Limit: 1500 Age: 35-44
Posted 10/28 2013
Overall Rating:
If I recall correctly, my score was about in the 700s when I got this card a year or so ago. Got a $1500 CL. I asked for a CLI and got it to $3000. I don't accumulate too many points, but they help save some money when I shop at nfl.com (which is not often).
 
Credit Score: 592 Credit Limit: 500 Age: 45-54
Posted 09/16 2013
Overall Rating:
it seems like my experience is mirrored by many folks here. 592 score and a $500 CL is what I got. Can't complain to be honest.
 
Credit Score: 617 Credit Limit: 500 Age: 25-34
Posted 09/15 2013
Overall Rating:
Was approved for $500 with a 617 score. My score (after 7 months) is now 641. Thanks barclays.
 
Credit Score: 580 Credit Limit: 500 Age: 25-34
Posted 06/28 2013
Overall Rating:
I have had 2 baddies in my report. They were collections though they have been negotiated and paid. Got approved for $500 and am very happy.
 
Credit Score: 580 Credit Limit: 500 Age: 25-34
Posted 06/02 2013
Overall Rating:
I have had 2 baddies in my report. They were collections though they have been negotiated and paid. Got approved for $500 and am very happy.
 
Credit Score: 683 Credit Limit: 1600 Age: 25-34
Posted 04/10 2013
Overall Rating:
9 months ago, I was declined for the Juniper apple card (which is actually Barclays!). But I was approved for $1600 CL on a 683 score. There was also a 0% BT deal too for 12 months. Great card in terms of approval but I cannot comment on customer service now.
 
Credit Score: 715 Credit Limit: 4000 Age: 35-44
Posted 02/15 2013
Overall Rating:
I was declined about 8 month ago when I applied for a plain old citi card. Prior to that Chase declined me for their slate card. My score was about 715 when I applied for this card and I got approved for $4k CL. Thanks Barclays and to hell with Citi and Chase.
 
Credit Score: 576 Credit Limit: 500 Age: 25-34
Posted 02/02 2013
Overall Rating:
Got a call from rep asking me all sorts of questions like income, other cards etc. But I was finally approved.

score: 574
CL: $500
 
Credit Score: 682 Credit Limit: 1400 Age: 25-34
Posted 01/29 2013
Overall Rating:
Prior to this, I had 2 cards. Cap One (the one with annual fee) and an old Orchard Bank Mastercard. I had a total of $900 CL between these 2 cards. After 3 attempts with Cap One and 2 with Orchard, I was still declined for a credit line increase.

I took the plunge on this card figuring that since I am a eagles fan, I will earn some points if I get approved. And I did get approved. Card arrived 5 days after.

Score was 682 and CL $1.4k when I was approved.
 
Credit Score: 607 Credit Limit: 500 Age: 25-34
Posted 01/22 2013
Overall Rating:
score: 607

CL: $500

3 cards: Walmart, Cap One, Macys

was approved instantly for this card.
 
Credit Score: 636 Credit Limit: 500 Age: 18-24
Posted 12/29 2012
Overall Rating:
I was rejected by both Capital One and Walmart! So I really did not rate my chances with this card. But I got approved! So even though my CL is low ($500), I can't complain since my score is at about 636 and I have been rejected before. Thanks Barclays.
 
Credit Score: 636 Credit Limit: 500 Age: 18-24
Posted 11/24 2012
Overall Rating:
I was rejected by both Capital One and Walmart! So I really did not rate my chances with this card. But I got approved! So even though my CL is low ($500), I can't complain since my score is at about 636 and I have been rejected before. Thanks Barclays.
 
Credit Score: 662 Credit Limit: 1500 Age: 25-34
Posted 10/14 2012
Overall Rating:
My history is rather short (about 1 year and 8 months). Prior to this, I have a Cap One secured card (with my $300 deposit and CL). I have to pay an annual fee for this. But ever since I got this, I have paid in full always and have never been late.

Applied and was approved instantly for $1500. Also got the 10k bonus after $100 spend.
 
Credit Score: 683 Credit Limit: 2000 Age: 18-24
Approved 3 years after Bankruptcy
Posted 10/12 2012
Overall Rating:
Score (TU) was 683

CL approved : $2000

applied and was approved instantly. Was 3 years out of BK. Also have Walmart and Good Year cards. But this is the first mainstream card I got. Looking forward to earning some points as well!
 
Credit Score: 669 Credit Limit: 500 Age: 25-34
Posted 10/08 2012
Overall Rating:
I was approved with a $500 CL. Have had a couple collections in my report. They were both paid off. I also have a Capital One secured. I am looking forward to a CL increase in 6 months to a year or so.
 
Credit Score: 718 Credit Limit: 7000 Age: 25-34
Posted 09/25 2012
Overall Rating:
Am a cowboys fan. Like the design of my team for my credit card. Got the sign up bonus and after a year of using the card, I managed to use the points for a jersey. I also got approved instantly after I pressed the submit button.
 
Credit Score: 532 Credit Limit: 500 Age: 18-24
Posted 08/18 2012
Overall Rating:
I am a 49ers fan and am glad that I got this card with a design of my favorite team as my card. My score ain't great (532) but I got approved for $500. So this card serves two purposes. I get to build my credit with a no annual fee card from a reputable issuer and also get to have my team as my card picture.
 
Credit Score: 575 Credit Limit: 500 Age: 25-34
Posted 05/26 2012
Overall Rating:
Was approved in a week with a 575 score. Got a $500 CL. After six months of paying on time and in full, my score is now 610.
 
Credit Score: 586 Credit Limit: 500 Age: 35-44
Posted 03/27 2012
Overall Rating:
My score was shot to pieces. But I was approved for a $500 CL (586 score). The approval process took a few days. I was asked if I wanted to do a balance transfer during the process but did not put anything down. I might have been turned down since the line I got was so low!
 
Credit Score: 673 Credit Limit: 500 Age: 35-44
Approved 2 years after Bankruptcy
Posted 02/10 2012
Overall Rating:
Score was 673 when I applied. Has been 2yr out of BK. The CL was $500. Prior to this, I had a couple of cards like the Capital One secured and the Credit One Visa. Have always paid my bills on time and in full since BK. This is my first true no annual fee card and I am pleased with the progress I have made.
 
Credit Score: 738 Credit Limit: 5000 Age: 35-44
Posted 02/07 2012
Overall Rating:
I really have no need for this card. But I am an eagle fan and want my card to have that design. Throw in the bonus and I have used the points for a jersey already. Will probably never put that much on the card for a superbowl ticket but you never know.
 
Credit Score: 620 Credit Limit: 500 Age: 18-24
Posted 01/23 2012
Overall Rating:
650 score
$500 CL

can't complain. Thanks Barclays.
 
Credit Score: 650 Credit Limit: 600 Age: 45-54
Posted 01/02 2012
Overall Rating:
Had a 650 credit score and was in two minds before I pulled the trigger. Got approved for $600. Got my 10k bonus after the $100 spend. Have also used the points I have earned for a bronco jersey!
 
Credit Score: 704 Credit Limit: 500 Age: 18-24
Posted 12/13 2011
Overall Rating:
Got approved for $500. Score was about 704 when I applied. Think my low income is responsible for my low limit. But this is enough for me.
 
Credit Score: 702 Credit Limit: 1500 Age: 25-34
Posted 12/06 2011
Overall Rating:
My score was between 695 and 702 depending on which bureau you are looking at. Approved for $1500. Used my rewards on a jersey so far. I hope I get an automatic CL increase after a year or so.
 
Credit Score: 580 Credit Limit: 2000 Age: 25-34
Posted 11/26 2011
Overall Rating:
Approved with a $2k CL when my score was only 580. Totally awesome. I look forward to rebuilding my credit with this card. Was really surprised at my credit line.
 
Credit Score: 634 Credit Limit: 500 Age: 25-34
Posted 11/17 2011
Overall Rating:
Trying to rebuild my credit and got approved for a $500 CL. Since having the card for 9 months, my score has increased by about 30 points.
 
Credit Score: 687 Credit Limit: 1300 Age: 35-44
Approved 5 yr after Bankruptcy
Posted 10/02 2011
Overall Rating:
Have been declined by my cards because of a BK 5 years ago. I have the Cap One secured and Walmart card and after reading reviews on this card, I decided to give it a shot. Got approved for a $1300 CL. And no annual fee. I can't be happier.
 
Credit Score: 610 Credit Limit: 500 Age: 35-44
Posted 08/12 2011
Overall Rating:
Got approved when my score was 610. CL was $500. Thanks Barclays.