NFL Extra Points American Express

This is a fan card first and a rewards card second. The 3% back only applies to NFL spending, meaning NFLShop.com, stadium purchases and game tickets, so unless you buy season tickets it is a small slice of a year's spending. The 2% tier is the part that could actually carry the card, covering restaurants, groceries, food delivery, sporting goods and gyms with no cap and no annual fee. That is a reasonable everyday rate, but plenty of no-fee cards pay 2% on everything, and this one drops to 1% outside its categories while charging a 3% foreign transaction fee. Points are worth a flat 1 cent each toward a statement credit and expire 5 years after they post. The standing 25% off NFLShop.com is worth more than the 3% category to most fans, and the $100 bonus after $500 in non-NFL spend within 90 days is easy to clear. Take it for the team art and the merchandise discount, not because it beats a flat 2% card.