The news: American Express and Bread Financial launched the NFL Extra Points Credit Card, per a press release. The card will run on Amex’s network, issued by Bread Financial. 

This offering adds to Amex’s sports lineup, which includes the recently launched Fanatics co-brand credit card.

Diving into the details: The no-annual-fee card pairs everyday rewards with NFL-specific perks.

• Cardholders earn 3% in points on NFL and team purchases; 2% on groceries, food delivery, restaurants, gyms and sporting goods; and 1% on everything else.
• Members get 25% off at NFLShop.com on qualifying purchases and can redeem points for tickets, merchandise, gift cards or exclusive experiences.
• A welcome offer pays $100 in statement credit after $500 in non-NFL spending within 90 days.
• They can also get special financing on NFL ticket purchases over $250 through Ticketmaster, SeatGeek, or Sports Illustrated Tickets.

Cardholders also get Amex Offers, presale access through Amex Experiences, and venue perks like dedicated entrances at major events.

Why this matters: Amex has been building relationships with major sports franchises—and integrating them into its experiential rewards model.

• The issuer sealed a multi-year deal to be the NFL’s official payment partner.
• The issuer ran its first major fan activation at the 2026 NFL Draft.
• Amex held a pop-up at Fanatics Fest NYC. 
• It has a long-standing lounge and pop-up presence at the US Open.
• It also partners with Formula 1 on member exclusives.

Implications for payment providers: The 3% points and ticket financing keep fans transacting on the Amex Network during ticket purchases, gear drops, and gameday events. 

At the same time, the co-brand’s 2% rewards multiples for everyday categories like groceries follow a blueprint more co-brands are using to capture more spending outside their specialized brands—especially as higher living costs pressure household budgets. Better rewards for essential categories can help co-brands score more volume from consumers beyond brand-specific purchases.

• Wyndham’s Rewards Earner Premier Card offers 4x points on grocery and dining.
• Verizon’s Visa Card gives 4% back on dining, gas, and grocery store purchases.
• And Amazon’s Prime Business Card earns 1% back on purchases outside Amazon and 5% back on travel booked with U.S. Bank Travel Center.

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