| Rewards | 3% back (or equivalent points) on NFL & team purchases (tickets, stadium, NFL Shop) 2% back on everyday categories like dining, groceries, and gyms 1% back on everything else |
|---|---|
| Signup Bonus | ~10,000 points (? $100 value) after spending ~$500 in the first 90 days |
| Annual Fee | None |
| Cardmember Agreement | View Here |
| Cash Advance APR | Variable, generally around 31.49?% (or Prime + a set margin). Interest begins immediately — there is no grace period on cash advances. |
| Cash Advance Fee | Either $10 or 5?% of the amount of each cash advance, whichever is greater. |
| Late Payment Fee | Up to $41 |
| Purchases APR | Variable 17.49?% – 31.49?% based on your creditworthiness and the Prime Rate. |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
The Denver Broncos Extra Points Credit Card is best known as a no‑annual‑fee, rewards card with NFL‑centric perks — you earn extra points on NFL purchases (like gear and tickets) and everyday spend categories, plus occasional bonus offers tied to NFLShop.com and team ticket financing.
Most users say fans enjoy the team‑oriented rewards and discounts, especially the ability to get bonus points or a percentage back on Broncos merchandise and games. People who actually spend on NFL‑related stuff often feel they get decent value.
Many reviewers mentioned, however, that the card has its downsides: higher APRs after intro periods, a foreign transaction fee, and generally modest rewards compared with many general‑purpose cards. User‑submitted feedback also frequently complains about customer service frustrations, slow payment posting, and issues redeeming rewards — some report tech or service hiccups since issuer changes.
Personally, I think this card works best for die‑hard Broncos or NFL fans who will genuinely use its team perks. For everyday rewards or broader financial benefits, most people would find cards with stronger general rewards and smoother service more worthwhile.
As a lifelong Broncos supporter, this card makes everyday spending fun. Extra Points stack up nicely, and getting team-themed rewards feels personal. Wish the sign up bonus was bigger, but overall it's keeper for gamely purchases.