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Fans Score More: NFL Extra Points American Express® Credit Card Now Available

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American Express (NYSE: AXP) and Bread Financial (NYSE: BFH) launched the NFL Extra Points American Express Credit Card on the American Express Network, with Bread Financial continuing as issuer and 18 NFL teams offering cards on the network. Cardholders gain access to American Express Network benefits, including Amex Offers and Amex Experiences, along with refreshed team-branded designs.

The card earns 3% rewards on qualifying NFL purchases, 2% on grocery, food delivery, restaurants, gyms and sporting goods, and 1% on other purchases. It offers a $100 welcome bonus after $500 in non-NFL spend in the first 90 days, no annual fee, 25% off NFLShop.com on qualifying purchases, exclusive NFL experiences, and special financing on qualifying NFL ticket purchases. Accounts are issued by Comenity Capital Bank under license from American Express.

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Negative

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Market Context

AXP's Aug 19 partnership event recorded a +0.41% 24-hour reaction. That platform comparison adds con...
Analysis

AXP's Aug 19 partnership event recorded a +0.41% 24-hour reaction. That platform comparison adds context to the NFL launch; recent insider data showed Net Selling, making adoption and card economics relevant to monitor.

Key Figures

NFL teams launched: 18 teams Rewards rates: 3%, 2%, and 1% Welcome bonus: $100 cash back +5 more
8 metrics
NFL teams launched 18 teams American Express Network
Rewards rates 3%, 2%, and 1% NFL purchases, selected everyday categories, and all other purchases
Welcome bonus $100 cash back After qualifying account-opening spend
Bonus spending requirement $500 Required outside NFL purchases
Bonus qualification period 90 days First 90 days of account opening
Annual fee No annual fee NFL Extra Points American Express Credit Card
NFLShop.com discount 25% off Qualifying purchases
Ticket financing threshold $250 NFL ticket purchases over the stated amount

Historical Context

5 past events · Latest: Aug 20 (Positive)
Pattern 5 events
Date Event Sentiment 24h Move Catalyst
Aug 20 Dividend declaration Positive +1.4% Preferred dividend declaration preceded a 1.44% 24-hour gain
Aug 19 Golf partnership Positive +0.4% St Andrews Links partnership preceded a 0.41% 24-hour gain
Aug 18 Public event partnership Positive +0.7% Food & Wine event partnership preceded a 0.69% 24-hour gain
Aug 17 Conference participation Neutral +0.7% Barclays conference participation preceded a 0.69% 24-hour gain
Aug 13 Virtual card expansion Positive -0.1% Commercial virtual-card enhancements preceded a -0.14% 24-hour reaction

24h Move is the share-price change in the day after each event; other market factors may also have contributed.

Pattern Detected

Recent listed AXP reactions were positive across dividend, partnership, event, and conference items; virtual-card expansion was followed by a -0.14% reaction.

Key Terms

variable purchase apr, balance transfer apr, cash advance apr, foreign transaction fee
4 terms
variable purchase apr financial
"Variable Purchase APR of 17.49% to 31.49% based on your credit worthiness"
Annual percentage rate applied to purchases on a credit account that can change over time because it’s tied to a reference interest rate (such as the prime rate) plus a set margin. It matters to investors because changes in that rate affect how much consumers pay to carry purchase balances, which influences credit-card issuer revenue, consumer borrowing behavior, and the lender’s interest-rate risk — like a thermostat that adjusts borrowing costs when the market temperature changes.
balance transfer apr financial
"Variable Balance Transfer APR of 17.49% to 31.49%"
Annual Percentage Rate (APR) applied to a credit card balance that has been moved from one account to another. It is the yearly interest rate charged on the transferred amount (sometimes after a promotional period ends), and it determines how much interest a cardholder pays over time on that transferred debt. Like the rent on borrowed money, it matters to investors because it affects consumer interest income and credit risk for card issuers.
cash advance apr financial
"Variable Cash Advance APR of 31.49%, based on Prime Rate"
The cash advance APR is the annual interest rate a credit card issuer charges when a cardholder borrows cash from an ATM, bank, or via certain money-transfer services using their credit card. It matters to investors because this rate determines how much interest borrowers pay on cash withdrawals and short-term liquidity moves, affects consumer credit costs and bank interest income, and can influence loan-loss risk and fee revenue for lenders.
foreign transaction fee financial
"Foreign Transaction Fee of 3% of the transaction in US dollars"
A foreign transaction fee is a charge that a bank, credit-card company, or payment processor adds when a purchase or cash withdrawal involves a foreign currency or is routed through a foreign bank or payment network. It is usually a small percentage of the transaction (or a fixed fee) and acts like a toll for using payment services across borders. Investors care because these fees affect consumer costs, international sales volumes, and fee income for card issuers and payment processors.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Bread Financial® to continue as issuer for the NFL Extra Points Credit Card program, with majority of clubs transitioning to the American Express Network

NEW YORK and COLUMBUS, Ohio, Aug. 26, 2026 (GLOBE NEWSWIRE) -- American Express® (NYSE: AXP) and Bread Financial® (NYSE: BFH) today announced that the NFL Extra Points Credit Card program has launched on the American Express Network. NFL Extra Points American Express® Credit Cardholders now have access to American Express Network benefits, offers, experiences and protections. The NFL and Bread Financial have also introduced refreshed card designs across the NFL team lineup, giving fans a new way to show their team loyalty.

This builds on a recently announced multi-year global partnership with American Express serving as the Official Payments Partner of the NFL beginning with the 2026 season. As part of this collaboration, 18 NFL teams have launched cards on the American Express Network. Bread Financial continues as the issuer of the program, providing a seamless experience for Cardholders. 

"We’re thrilled to welcome NFL Extra Points American Express® Credit Cardholders to the American Express Network," said Will Stredwick, executive vice president, global network partnerships for North America at American Express. "Together with the NFL and Bread Financial, we're bringing fans closer to the football teams they love by providing meaningful value and unforgettable NFL experiences, backed by the security and benefits of the American Express Network.”

"This program has always been about delivering Cardholders ways to earn rewards1 on everyday purchases that connect them to the teams, moments and experiences they value most," said Dennis McCarthy, senior vice president and chief revenue officer at Bread Financial. "Adding in new American Express Network benefits is another way eligible Cardholders win, paired with a seamless experience that makes earning and enjoying rewards effortless." 

The NFL Extra Points American Express® Credit Card offers everyday rewards, NFL-specific benefits, valuable redemption opportunities and more. When you use your card:

  • Earn rewards points: 3% in rewards on qualifying NFL and NFL team purchases1, 2% in rewards on grocery store, food delivery, restaurant, gyms, and sporting goods store purchases1, and 1% in rewards on all other purchases.1
  • Welcomebonus:Earn $100 cash back after spending $500 outside of NFL purchases within the first 90 days of account opening.2  Paid as a statement credit.
  • Redemption options: Redeem points for cash back, NFL tickets, merchandise, gift cards, or exclusive experiences.
  • No annualfee:Cardholders pay no annual fee to hold the NFL Extra Points American Express® Credit Card.3
  • 25% off NFLShop.com: Cardholders receive a discount on qualifying purchases at NFLShop.com and expanded promotional discounts throughout the year.4
  • Exclusive NFL access: Cardholders can access exclusive NFL experiences, tickets, memorabilia and events throughout the season.
  • Special financing: Available on NFL ticket purchases over $250 at NFL team ticket offices, Ticketmaster, SeatGeek or Sports Illustrated Tickets. Terms apply.6
  • American Express Network benefits: Cardholders have access to Amex Offers™, Amex Experiences™ such as ticket presales for exciting events across sports, music, theater and more throughout the year, and exclusive perks at some of the world's most iconic venues including a dedicated entrance or fast lane, as well as travel and lifestyle benefits and protections.6

"At the NFL, we're always looking for new ways to deepen the connection between fans and the teams they love," said Allegra Krishnan, senior vice president, marketing strategy and science at the NFL. "Through our partnership with American Express and Bread Financial, the NFL Extra Points Card brings team loyalty to life, giving fans a way to showcase their passion every day while earning valuable rewards and cash back. It's a powerful combination of fandom and benefits that delivers greater value both on and off the field.”

To learn more and see the full NFL team lineup, visit NFL Extra Points American Express Credit Card.

About American Express®
American Express® (NYSE: AXP) is a global payments and premium lifestyle brand powered by technology. Our colleagues around the world back our customers with differentiated products, services, and experiences that enrich lives and build business success. 

Founded in 1850 and headquartered in New York, American Express’ brand is built on trust, security, service, and a rich history of delivering innovation and Membership value for our customers.

We seek to provide the world’s best customer experience every day to a broad range of consumers, small and medium-sized businesses, and large corporations, and we build and manage relationships with millions of merchants across our global network.

For more information about American Express, visit  americanexpress.com, americanexpress.com/en-us/newsroom/, and  ir.americanexpress.com.

About Bread Financial®
Bread Financial® (NYSE: BFH) is a tech-forward financial services company that provides simple, personalized payment, lending and saving solutions to millions of U.S. consumers. Our payment solutions deliver growth for some of the most recognized brands in travel & entertainment, health & beauty, technology, electronics, jewelry, home and specialty apparel through our co-brand and private label credit cards and pay-over-time products providing choice and value to our shared customers. Additionally, we offer Bread Financial general purpose credit cards and saving products that empower our customers and their passions for a better life. 

Bread Financial proudly marks 30 years of success in 2026. To learn more about our global associates, our performance and our sustainability progress, visit breadfinancial.com or follow us on Instagramand LinkedIn.

Media Contacts
American Express
Rosie Scrafton-Savage 
rosie.scraftonsavage@aexp.com

Bread Financial
Rachel Stultz   
Rachel.Stultz@breadfinancial.com  

1Offer is exclusive to NFL Extra Points American Express® Credit Card holders enrolled in the NFL Extra Points, program. For offers associated with a specific category, earnings will only be awarded if the merchant code for the purchase matches a category eligible for the offer. Each merchant is assigned a code by a third party that indicates the merchant’s area of business. Comenity Capital Bank does not have the ability to control assignment of merchant codes. This rewards program is provided by Comenity Capital Bank and its terms may change at any time. For full Rewards Terms and Conditions, please see comenity.net/nfl. NFL purchases include NFLShop.com, NFL stadium purchases and NFL tickets made at NFL Team Ticket Offices, Ticketmaster, SeatGeek and Sports Illustrated Tickets. 

2Valid one time only. Offer is exclusive to NFL Extra Points American Express® Credit Card holders enrolled in the NFL Extra Points program. Maximum of $100 cash back. Offer excludes all NFL purchases including NFLShop.com, NFL stadium purchases and NFL tickets made at NFL Team Ticket Offices, Ticketmaster, SeatGeek and Sports Illustrated Tickets. This rewards program is provided by Comenity Capital Bank and its terms may change at any time. For full Rewards Terms and Conditions, please see comenity.net/nfl.  

3For new accounts, as of July 2026: Variable Purchase APR of 17.49% to 31.49% based on your credit worthiness at the time of account opening and the Prime Rate. Variable Balance Transfer APR of 17.49% to 31.49%, based on your credit worthiness at the time of account opening and the Prime Rate. Variable Cash Advance APR of 31.49%, based on Prime Rate. Minimum Interest Charge is $3. Balance Transfer Fee of the greater of $10 or 5% of the transfer. Cash Advance Fee of the greater of $10 or 5% of the advance. Foreign Transaction Fee of 3% of the transaction in US dollars.

4 Account must not be in default. Redemption Details: Enter offer code EXTRAPOINTS at checkout. Cannot be combined with other offers. The entire transaction amount after discount must be placed on the NFL Extra Points American Express® Credit Card. Excludes gift cards, discounted items, trading cards and trading card-related products, and certain specialty items such as autographed items, collectibles, etc. If an item is not eligible for the discount, the discount will not be applied at checkout. After entering the promo code, eligible discounts will be displayed in your cart. Your cart will show the final discounted price for all qualifying items. 

5Minimum payments are required for each Credit Plan. Valid for single transaction only. Qualifying purchases will automatically be placed on a promotional plan. If purchase qualifies for more than one plan, it will be placed on the qualified plan with the longest promotional period. Available on NFL Ticket purchases of $250 or more made at NFL Team Ticket Offices, Ticketmaster, SeatGeek and Sports Illustrated Tickets with your NFL Extra Points American Express® Credit Card.

6 To learn more about American Express Network Benefits, click here
Credit card offers are subject to credit approval. 
Benefits on the team-branded Extra Points American Express® Credit Card are equivalent to the benefits on the NFL Extra Points American Express® Credit Card. Any reference to your team affiliated Extra Points American Express Credit Card is equivalent to the NFL Extra Points American Express® Credit Card. 

NFL 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.   

A photo accompanying this announcement is available at https://www.globenewswire.com/NewsRoom/AttachmentNg/c495b531-d290-4963-8397-f3a0281afb54.


FAQ

What is the NFL Extra Points American Express Credit Card launched in August 2026 for AXP and BFH?

The NFL Extra Points American Express Credit Card is a co-branded rewards card offering NFL-focused benefits on the American Express Network. According to American Express and Bread Financial, it combines NFL rewards, team-branded designs, Amex Network benefits, and special ticket and merchandise perks for fans.

What rewards rates does the NFL Extra Points American Express Credit Card offer in 2026?

The card earns 3% in rewards on qualifying NFL and team purchases, 2% on select everyday categories, and 1% on other spending. According to Bread Financial, 2% applies to grocery, food delivery, restaurants, gyms and sporting goods stores, with 1% on all remaining eligible purchases.

Does the NFL Extra Points American Express Credit Card have an annual fee or specific APR terms?

The NFL Extra Points American Express Credit Card charges no annual fee to cardholders. According to Bread Financial, new accounts as of July 2026 have variable purchase APRs between 17.49% and 31.49%, balance transfer APRs at the same range, and a 31.49% cash advance APR, all tied to Prime.

What welcome bonus does the NFL Extra Points American Express Credit Card offer new cardmembers in 2026?

New cardmembers can earn a $100 cash-back welcome bonus after spending $500 on non-NFL purchases in the first 90 days. According to Bread Financial, the bonus is paid as a statement credit and excludes all NFL-related purchases from the qualifying spend calculation.

What NFL-specific discounts and experiences come with the NFL Extra Points American Express Credit Card?

Cardholders receive 25% off qualifying purchases at NFLShop.com and access to exclusive NFL experiences, tickets and events. According to Bread Financial and the NFL, the card also offers special financing on NFL ticket purchases over $250 through selected ticketing platforms and team ticket offices.

Who issues the NFL Extra Points American Express Credit Card, and what is American Express’s role?

Bread Financial continues as issuer of the NFL Extra Points Credit Card program through Comenity Capital Bank. According to American Express, the card now runs on the American Express Network, giving cardholders Amex Offers, Amex Experiences, and network benefits, while the NFL provides team alignment and branding.

Which NFL teams are on the NFL Extra Points American Express Network cards starting with the 2026 season?

Eighteen NFL teams have launched cards on the American Express Network as part of the refreshed NFL Extra Points program. According to American Express and the NFL, fans can choose team-branded designs, with the full lineup available through the NFL Extra Points American Express Credit Card information site.