Baltimore Ravens Extra Points Credit Card

Card Details
Rewards	On NFL / team-related purchases (game tickets, in?stadium purchases, team pro?shop / official team store / merchandise), you earn 2 points per $1 spent (some sources say 3% / 3x on NFL purchases depending on issuer wording) On “other” purchases (non?team, everyday spending) — you earn 1 point per $1 spent.
Signup Bonus	10,000 bonus points after spending $500 in purchases in the first 90?days
Annual Fee	None.
Cardmember Agreement	View Here
Cash Advance APR	30.99%?–?32.24% (variable)
Cash Advance Fee	Either $10.00 or 5.0% of the cash advance amount, whichever is greater.
Late Payment Fee	$30.00 if you haven’t been charged a late fee in the prior six billing cycles; otherwise $41.00.
Purchases APR	17.99% up to 31.99%, depending on creditworthiness
* Card terms and offers are subject to change. Confirm current details with the issuer.

CARD OVERVIEW

The Baltimore Ravens Extra Points Credit Card is a no‑annual‑fee rewards card designed for NFL fans, offering bonus points on team-related purchases and a small sign-up bonus after meeting minimum spending. Most users say the card is fun and rewarding if you regularly buy Ravens or NFL merchandise, attend games, or shop at the team store. Many reviewers mentioned they enjoy the extra points on official gear and the occasional discount at NFLShop.com, making it feel like a “fan-first” perk.

On the downside, users often complain that rewards outside NFL-related spending are minimal, and points don’t convert to cash very efficiently. Some also note that customer service through Comenity Bank can be slow or frustrating, and redemption for cash back feels underwhelming unless you’re using points for merchandise or tickets.

Personally, I think this card is best for die-hard Ravens or NFL fans who will actually use the perks on team gear and experiences. For general everyday spending or travel rewards, you’ll likely find better returns elsewhere. In short, it’s a niche card with real value for fans, but not a card I’d recommend as a main cash-back or travel card.