NFL Extra Points Rewards Program Terms (“Program Terms”)
As of August 20, 2026
Important note: These program terms are subject to the jury trial waiver and arbitration provision in your credit card account agreement that limit our liability to you, eliminate your right to a trial by jury, require you to resolve disputes with us on an individual basis and not as a part of any class or representative action, and through final and binding arbitration.
Please read these Program Terms carefully for important information about your rights and obligations in the NFL Extra Points Credit Card Rewards Program (“Program”). By participating in the Program, you agree to these Program Terms.
The Program is provided by Comenity Capital (“Bank”). Comenity Capital Bank is solely responsible for Program operation and may withdraw the Program or change the terms of the Program at any time. The purpose of the Program is to reward customers for certain uses of their NFL Extra Points American Express® Credit Card, Extra Points Visa® Credit Card, or Extra Points Mastercard® Credit Card (“Card.”) The Program Terms may be supplemented with additional terms, conditions, and disclosures, including but not limited to applicable terms related to any promotional offers provided to you for use with the Program.
For the most up-to-date terms, please visit comenity.net/nfl
General Information
The Program allows you to earn points (“points”) on the amount you spend as described in the “Earning Points” section below, using your NFL Extra Points American Express® Credit Card Account, Extra Points Visa® Credit Card Account, or Extra Points Mastercard® Credit Card Account (your “Account”). Your Extra Points Credit Card issuing network will vary by team. Your network is based on your card selection. You can then redeem points for certain Rewards Catalog Items (“Rewards”) as described inpolicy can be obtained at comenity.net/nfl and the NFL privacy policy the “Issuing Rewards and Redemption” section below. You can redeem points for Rewards through the Account Center at comenity.net/nfl (“Account Center”).
These Program Terms are separate from your Card Account Agreement (your “Account Agreement”), which governs the use of your Account. In the event of any conflict between these Program Terms and your Account Agreement, these Program Terms will control in any matter relating to the Program. By using your Account, you agree to be bound by these Program Terms.
All information collected about you in connection with the Program is subject to the Comenity Capital Bank and National Football League (“NFL”) privacy policies. Comenity Capital Bank’s privacy policy can be obtained at comenity.net/nfl and the NFL privacy policy can be obtained at https://www.nfl.com/legal/privacy/.
Earning Points
You may have to register to qualify for the offer. Comenity Capital Bank may change or withdraw an offer at any time without notice. Any such change or withdrawal will not affect Bonus Points already earned. Certain offers may only be communicated via email. Tax and shipping charges are excluded from specials offers and bonuses.
You will earn points when you, or an authorized user, make eligible purchases of goods and services for personal, family and household purposes using your Account, minus any returns, refunds or credit adjustments (“Net Eligible Purchases”). Starting June 20, 2022 point earn is rounded to the nearest whole point value using standard rounding. Earning calculations that end in .5 will round up to the next whole point value. For example, earn calculated to 1.5 points rounds to 2 points. All calculations that result in less than .5 will round down. For example, calculated earn of 1.4 points would round to 1 point.
Using your Card you will earn:
- 3% back in Rewards for each $1 of Net Eligible Purchases made at NFLShop.com, NFL Team Retail Stores, NFL Team Online Stores, NFL Team Stadiums and qualifying NFL Game Ticket Purchases made at NFL Team Ticket Offices, Ticketmaster, SeatGeek and Sports Illustrated Tickets. 3% back in Rewards is calculated as points earned, where 3% back earned is equal to 3 points per $1 spent.
- 2% back in Rewards for each $1 of Net Eligible Purchases made at bars and restaurants, and on groceries, food delivery, sporting good stores and fitness purchases such as memberships and gyms, as identified by Merchant Classification Codes as described in the Bonus points for Special Offers section. 2% back in Rewards is calculated as points earned, where 2% back earned is equal to 2 points per $1 spent.
- 1% back in Rewards for each $1 of Net Eligible Purchases made everywhere your Card is accepted. 1% back in Rewards is calculated as points earned, where 1% back earned is equal to 1 point per $1 spent.
Points are earned on taxes, shipping & handling, gift cards on purchases through the NFL and teams. Points are not earned on unauthorized or fraudulent charges, charges that violate the terms of your Account Agreement, balance transfers, cash advances, transactions treated similar to cash advances, interest charges, and fees of any kind.
Comenity Capital Bank may temporarily prohibit you from earning points, using points, or using any features of the Program if: your Account becomes delinquent; Comenity Capital Bank suspects that you or any authorized user has engaged in fraudulent activity related to your Account or the Program; or the NFL suspects that you misused the Program in any way.
Points awarded for purchases that do not remain Net Eligible Purchases will be deducted from your Point balance. Returned items may result in credits being applied to your Account, which will reduce or may eliminate accumulated Points and may result in a negative Points balance. If your Points balance goes negative, you must first earn Points to bring your Points balance to zero before earning any Points eligible for redemption. The NFL and Comenity Capital Bank reserve the right to verify and adjust Points, as applicable, at any time.
Bonus Points for Special Offers
From time to time, Comenity Capital Bank may make bonus offers to earn additional Points (“Bonus Points”). Read each offer carefully, as there may be important conditions or limitations, such as blackout periods, Bonus Points limits, or exclusions. You may have to register to qualify for the offer. Comenity Capital Bank may change or withdraw an offer at any time without notice. Any such change or withdrawal will not affect Bonus Points already earned. Certain offers may only be communicated via email. Tax and shipping charges are excluded from specials offers and bonuses.
Reward Merchant Classification Codes: Merchants who accept Amex, Visa or Mastercard are assigned a merchant classification code (“MCC”), which is determined by the merchant or its processor in accordance with network procedures based on the products and/or services they primarily sell. Comenity Capital Bank and the NFL do not control the assignment of these codes and are not responsible for incorrectly coded purchases. Even though a merchant or some of the items it sells may appear to fit within a certain Rewards category, the merchant may not have a code in that category. Purchases made with third-party payment accounts, including but not limited to PayPal and Venmo, will not earn additional points.
Opt-In Offers
From time to time, the Program may make special offers to earn additional Points, which require you to opt in to the special offer to earn the Points (“Opt In Offers”). Opt In Offers must be opted into before Points is earned, and earning is not retroactive prior to opting in. You may select Opt In Offers in Account Center at https://d.comenity.net/ac/nfl/public/home or any other marketed website when available. Opt In Offers will typically have earning criteria and time frames.
Expiration
Important note: Points will expire 5 years after the date that they are posted to your Points balance.
Termination and Forfeiture
Important note: Subject to any requirements or limitations of applicable law, Comenity Capital Bank may at any time for any reason change or terminate the Program and these Program Terms without notice.
Comenity Capital Bank reserves the right to terminate you from the Program. If the Program terminates, Comenity Capital Bank terminates you from participating in the Program, or you voluntarily cancel enrollment in the Program, all Points will be forfeited.
Points will be forfeited if any of the following occur: your Account is closed (Except for New York residents, where Points will be forfeited 90 days from notice of Account closure unless your Account is closed for misuse); you terminate your participation in the Program; you or any authorized user engages in any fraudulent activity or misuse related to your Account or the Program, or engage in any activity deemed to be abusive or gaming conduct, as determined by Comenity Capital Bank. Misuse includes, but is not limited to, obtaining or using an Account to maximize Points earned in a manner that is not consistent with typical consumer activity as determined in Comenity Capital Bank’s sole discretion. Misuse of your Account also includes, but is not limited to, failure to make timely payments or any other violation of the terms of your Credit Card Agreement.
Points earned will be forfeited upon your death, and your estate, successors and assigns will have no property rights or other legal claim to access and redeem such points, unless the Bank receives a written request for redemption of points within 12 months of the documented date of your death from the executor or administrator of your estate, along with documentation satisfactorily to us of your death and the identity and appointment of the executor or administrator. Whether points are eligible for redemption and how they may be redeemed depends on the final status of your account. Redemption is subject to the account being closed and paid in full, and is in our sole discretion.
Issuing Rewards and Redemption
You may redeem Points for Rewards on the Program Catalog Website accessible through Account Center. Points will be redeemed on a “first in, first out” basis, such that the first Points earned will be the first Points redeemed. Once you’ve redeemed Points for a Reward or statement credit, your Points balance will be reduced by the number of Points used to obtain the Reward or statement credit and will appear on Account Center. Rewards are issued for reward purposes only.
We contract with Augeo Affinity Marketing, Inc. and MKTG, non-affiliated third parties, who are solely responsible for the administration of the Program with respect to goods or services offered on the Program Catalog. To contact Augeo Affinity marketing, Inc. or MKTG call 1-866-294-1318 or email support@cs.rewards.nflextrapoints.com. Augeo Affinity Marketing, Inc. and MKTG may establish procedures related to fulfillment of Rewards. The procedures will be disclosed prior to redeeming Points for Rewards from Augeo Affinity Marketing, Inc., or MKTG. Your redemption types are statement credit, catalog merchandise, gift cards, experiences, and game tickets. See details below. Redemption value of Points is variable based on the reward you choose to redeem for.
Redeeming Points for Statement Credits
You may redeem Rewards Points as a credit to your Account. The amount available to redeem, starting at $1 (for 200 points), is based on your Rewards balance. For every 200 Points = $1 Statement Credit.
Redeeming Points for Merchandise
You may use Points to obtain Rewards through Rewards Catalog. Merchandise orders will be confirmed by an email generated on behalf of the merchant by Augeo Affinity Marketing, Inc.
Redeeming Points for Gift Cards
You may redeem Points for gift cards. Gift cards may be requested by you.
Except as required by law, gift cards will not be replaced or replenished if it is lost, stolen, destroyed, used without the intended recipient’s permission or used in a manner inconsistent with any law. Digital gift card orders will be confirmed by an email generated on behalf of the merchant by Augeo Affinity Marketing, Inc.
Redeeming Points for Experiences
You may redeem Points for Experiences ("Experiences") through Augeo Affinity Marketing, Inc., a non-affiliated third party, who is solely responsible for the administration of the Program with respect to goods or services offered on the Program Catalog.
All redemptions are for a pair of experience passes (2), unless otherwise noted. You will be notified either by telephone call or email communication for further arrangements and details. Substitutions may be necessary as Rewards are based on availability and are subject to change at any time and unless otherwise noted do not include travel to or from the experience and in some cases may require game day tickets. By redeeming Points for Experiences, you must abide by any terms and conditions in conjunction with the Experience. Experience passes are limited to personal use only and cannot be resold. Experiences are available on a first-come, first-served basis and are limited to two redemptions per cardmember, per experience and are from limited inventory. Experience passes (if required) will ship via FedEx or UPS to the address that you provide. We will not ship to a P.O. Box. Experiences could be canceled by the NFL or participating Team for any reason, including for health and safety reasons (such as COVID). The NFL or participating Team have the right to refuse entry, or remove guests not adhering to their current guidelines. Children must be at least 10 years old and accompanied by someone 18 years or older to attend, unless stated otherwise.
Redeeming Points for Game Tickets
All redemptions are for a pair of tickets (2), unless otherwise noted. Game Tickets are limited to personal use only and cannot be resold. Ticket sections and seats will be determined by order date and are available on a first-come, first-serve basis. Ticket redemptions are limited to two redemptions per cardmember, per game and are from limited inventory, subject to availability. Game tickets do not include travel to or from the game. By redeeming Points for Game Tickets, you must abide by the terms and conditions in conjunction with the Game Tickets. Points required to redeem for NFL tickets may be subtracted in advance of gameday. If you redeem for NFL tickets at a higher points value and the points required for redemption are later lowered, a points refund will not be provided. Tickets will be sent to the email address provided during checkout. Redemptions will be delivered within 48 hours of game day. Game cancellations or changes are out of the control of this Program.
Other Terms
Points may not be sold, transferred or altered in any way by you. Points you earn may not be combined with Points earned on any other credit account or earned by anyone else (other than your Authorized User).
You may review your Points balance via Account Center. It may take up to two billing cycles for Points to post. The number of Points earned is based on the date your purchase was made, which may be different than the date the transaction posts to your Account. For mail order, special order, online, and other purchases, your transaction may not post to your Account until items have shipped.
Communications and Customer Service
Comenity Capital Bank and the NFL may send communications regarding the Program by mail, phone, email, or other methods, including through online Account Center or mobile app. By providing your mobile phone number, Comenity Capital Bank may contact you about all of your accounts and this Program.
If you have any questions about the Program or to update your contact information, please contact 1-844-281-2764 (Amex), 1-888-232-1512 (Visa), 1-800-695-2818 (Mastercard) or TDD/TTY: 1-888-819-1918 or visit Account Center. You can review your Program activity on Account Center or on your billing statement.
Points Disputes
If Points you believe were earned have not timely posted to your Points balance, you may dispute your Points balance (“Points Dispute”) by calling 1-844-281-2764 (Amex), 1-888-232-1512 (Visa), 1-800-695-2818 (Mastercard) or TDD/TTY: 1-888-819-1918 or by writing to Comenity Capital Bank. Comenity Capital Bank will use reasonable efforts to investigate your Points Dispute if you notify us within 90 days of the posting date. If you do not notify us within that period, you waive your right to make a Points dispute with respect to that purchase. Comenity Capital Bank may require you to provide written confirmation of the dispute and the applicable purchase receipt and may decline to investigate further if you do not provide the requested confirmation or a valid receipt. Upon completion of the investigation, Comenity Capital Bank will have no further responsibilities if you later reassert the same Points Dispute.
Limited Liability
Unless otherwise required by law, the NFL, neither Comenity Capital Bank, nor any of its affiliates, officers, directors, employees, service providers, including Augeo Affinity Marketing Inc., and MKTG, or agents will be liable to you, or anyone making a claim on your behalf, in connection with the Program or these Program Terms, including but not limited to, use of the Program and any redemption for or purchase of products or services through the Program.
Important note: Notwithstanding the foregoing, any liability that Comenity Capital Bank may have to you in connection with the Program shall be limited to the amount of any Points you have earned in accordance with these Program Terms. In addition, unless otherwise required by law, you and we each waive the right to seek punitive or exemplary damages against the other.
No Warranties
The NFL, the Bank and all of each of such company’s respective subsidiaries and affiliates make no warranty, express or implied, including but not limited to, any warranties of merchantability or fitness for a particular purpose with respect to the Program or any products or services related to such Program. Such companies do not guarantee the performance of Rewards, or products or services obtained through the Program, nor do they operate or control the merchandise, gift certificates, or gift cards offered as Rewards.
Taxes
You are responsible for any tax liability that may result from participation in the Program. Consult your tax advisor concerning such tax consequences.
Cancelling Program Participation
You may cancel your participation in the Program at any time by calling Comenity Capital Bank at 1-844-281-2764 (Amex), 1-888-232-1512 (Visa), 1-800-695-2818 (Mastercard) or TDD/TTY: 1-888-819-1918. If you cancel your participation in the Program, you will no longer earn Points and you will forfeit your unused and unexpired Points. Your cancellation will not affect any previously redeemed Rewards.
Governing Law; Assignment
The Program and these Program Terms are governed by federal law and, to the extent state law applies, the laws of the State of Utah. You may not assign your rights or obligations under these Program Terms to any other person or entity. Important note: You and Comenity Capital Bank agree that each of us may bring claims arising from or relating to these program terms only on an individual basis and not as a plaintiff or class member in any purported class or representative action or proceeding.
“Claim,” as used in these Program Terms means any claim, dispute or controversy that in any way arises from or relates to these Program Terms.
Complete Agreement; Severability; Conflicts; No Waiver
These Program Terms supersede any previous terms and conditions governing the Program. The Program is not available where and to the extent prohibited by law. If any part of these Program Terms conflict with applicable law, that provision will be deemed severed from these Program Terms and the remainder of the Program Terms will remain in effect. Comenity Capital Bank will not lose our rights under these Program Terms because Comenity Capital Bank chooses to delay or not enforce them.
Licensing
Your Extra Points Credit Card issuing network will vary by team. Your network is based on your card selection.
Extra Points American Express® Credit Card Accounts are issued by Comenity Capital Bank pursuant to a license from American Express. American Express and the American Express logos are trademarks of American Express Company and its affiliates.
Extra Points Visa® Credit Card Accounts are issued by Comenity Capital Bank pursuant to a license from Visa U.S.A. Inc. Visa is a registered trademark of Visa International Service Association and used under license.
Extra Points Mastercard® Credit Card Accounts are issued by Comenity Capital Bank pursuant to a license from Mastercard International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.
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