The Ultimate Guide to Credit Cards
Wednesday, October 20, 2021

Best Credit Cards For Sports Fans in 2021

Best Credit Cards For Sports Fans

credit card advice

Marcie Geffner
By: Marcie Geffner
Posted: July 22, 2021
Advertiser Disclosure

Sports fans are special people. They’re loyal and enthusiastic, and they love being associated with a winning team.

Whether you’re a fan of football, basketball, golf, car racing, or all of the above, there’s probably a credit card that can help you show your team spirit and earn rewards whenever you open your wallet and use your card.

Here are five of the best credit cards for sports fans:

Best Overall: Capital One SavorOne Cash Rewards Credit Card

With 8% cash back for Vivid Seats purchases until Jan. 31, 2023, the Capital One SavorOne Cash Rewards Credit Card is a big win for sports fans. That 8% return is a significant premium over most cash back rewards.

  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases. Plus, earn 8% cash back on tickets at Vivid Seats through January 2023
  • No rotating categories or sign-ups needed to earn cash rewards; plus cash back won’t expire for the life of the account and there’s no limit to how much you can earn
  • 0% intro APR on purchases and balance transfers for 15 months; 14.99% – 24.99% variable APR after that
  • No foreign transaction fee
  • No annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
0% for 15 months
14.99% – 24.99% (Variable)
$0
Excellent, Good

The offer includes Vivid Seats tickets for a long list of events, including MLB, NFL, NHL, NBA, NCAA, pro tennis, pro soccer, Extreme Sports, college football, and WWE tickets. You can even use your card to get tickets for the MLB World Series.

The card also gives you 8% cash back for Vivid Seats tickets for other events, including concerts, festivals, and Broadway shows, among others. You’ll also receive generous cash back rewards for other spending categories, such as dining out, entertainment, streaming services, grocery purchases, and everything else you buy.

The card comes with a bonus welcome offer, a balance transfer offer, and no annual fee.

Best Card For Football Fans: NFL Extra Points Credit Card

The NFL Extra Points Credit Card is a co-branded offering from the National Football League (NFL) and Barclays. This VISA Signature card lets you choose your favorite NFL team’s logo to display proudly every time you take it out of your wallet.

NFL Extra Points Credit Card Review

at the issuer’ssecure website

BEST OVERALL RATING

★★★★

4.0

OVERALL RATING

4.0/5.0
  • Earn 10,000 bonus points after spending $500 on purchases in the first 90 days
  • Earn 2X points on NFL and team purchases and 1X points on all other purchases
  • 0% introductory APR for 15 billing cycles on balance transfers made within 45 days of account opening, then a variable APR applies
  • Special ticket financing: 0% promotional APR for 6 billing cycles on eligible NFL ticket purchases, then a variable APR applies
  • Enjoy 20% off at NFLShop.com
  • Redeem points for exclusive NFL experiences, game tickets, NFLShop.com purchases, gift cards, or cash back
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
0% for 15 billing cycles
15.99%, 20.99%, or 25.99% variable, based on your creditworthiness
$0
Good

The card offers a welcome bonus opportunity, a rewards program with bonus points for NFL or authentic team purchases, and a discount for league and team merchandise purchased at NFLShop.com. There’s also a 0% financing opportunity for NFL tickets purchased from participating NFL team ticket offices using an NFL Extra Points Credit Card.

Rewards points with this card can be redeemed for exclusive NFL experiences, ticket purchases, memorabilia, gift cards, or cash back. There’s no annual fee.

Best Card For Basketball Fans: The Platinum Card®

The Platinum Card® is a pretty well-known card that offers some of the most premium perks for cardholders. It’s our top choice for basketball fans thanks to its Jersey Assurance program, which will replace the jersey of any NBA player who changes teams within 90 days of purchasing your jersey with your Amex card.

The Platinum Card® Review

at the issuer’ssecure website

BEST OVERALL RATING

★★★★★

4.7

OVERALL RATING

4.7/5.0
  • Earn 100,000 Membership Rewards® points after you use your new card to make $6,000 in purchases in your first 6 months of Card Membership
  • Earn 10X Membership Rewards® points on eligible purchases on your new Card at restaurants worldwide and when you Shop Small in the U.S. on up to $25,000 in combined purchases, during your first 6 months of Card Membership
  • Earn 5X Membership Rewards® points for flights booked directly with airlines or with American Express Travel, on up to $500,000 on these purchases per calendar year. Also earn 5X Membership Rewards® points on prepaid hotels on AmexTravel.com. Earn 1X points on all other eligible purchases. Terms apply.
  • $200 annual hotel credit, $200 annual airline fee credit, $25 monthly Equinox credit, $15 monthly Uber cash credit, $100 annual Saks Fifth Avenue credit, and more.
  • Platinum Card Members have unlimited complimentary access to all locations of The Centurion Lounge
  • Fee Credit for Global Entry or TSA Pre✓®
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A (Charge Card)
$695
Excellent

And those who enjoy attending basketball games will benefit from the extensive travel perks and benefits afforded to Platinum cardholders, including annual hotel and airline reimbursements.

Of course, Platinum card ownership doesn’t come cheap, charging a hefty annual fee. However, the value of the perks offered by this card easily exceeds that fee, which makes it a solid option for anyone who can qualify for this premium rewards card.

Best Card For Golf Fans: PGA TOUR® Customized Cash Rewards credit card

The PGA TOUR® Customized Cash Rewards credit card comes with exclusive perks for golfers and golfing fans. Upon account opening, there are two bonus opportunities: a cash welcome reward and a choice of two single-day grounds tickets to a selected PGA TOUR sporting event (tickets must be reserved at least three weeks before the tournament start date).

PGA TOUR® Customized Cash Rewards credit card Review

at the issuer’ssecure website

BEST OVERALL RATING

★★★★

4.4

OVERALL RATING

4.4/5.0
  • Get a $200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening
  • For the golf enthusiast, receive two (2) tickets to the PGA TOUR® event of your choice if you make at least $95 in transactions in the first 90 days of account opening (students not eligible)
  • Earn 3% cash back in the category of your choice: gas, online shopping, drug stores, home improvement & furnishings, dining or travel and automatic 2% cash back at grocery stores and wholesale clubs on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn 1%
  • Exclusive Access to TPC golf Courses – Receive VIP membership treatment and other membership Amenities
  • Exclusive Access to Participating Private/Public/Resort TPC golf Courses. You and three (3) friends will receive VIP membership amenities, i.e. special booking windows; no hotel stay required
  • 20% off regularly-priced golf shop merchandise and discounted green fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
0% for 15 months
13.99% to 23.99%
$0
Good/Excellent

Cardholders also get special perks at participating PGA TOUR Golf Course Properties (TPCs) across the country. Perks may include preferential booking windows or booking window access, discounts for greens fees, range balls, and cart fees, and discounts for regular-priced merchandise purchased with the PGA Tour card at TPC Shops. (Some TPC properties require a minimum golf handicap.)

There’s no annual fee for card membership. TPC also sells gift cards for the golfer in your life.

Best Card For Car Racing Fans: Credit One Bank® NASCAR® Credit Card

The Credit One Bank® NASCAR® Credit Card is a rewards card for NASCAR fans that offers cash back on eligible purchases with bonus points for purchases with the card at the NASCAR.com shop. It also comes with access to special promotions from participating merchants and a discounted membership opportunity for the Official NASCAR Members Club.

Credit One Bank® NASCAR® Credit Card Review

at the issuer’ssecure website

BEST OVERALL RATING

★★★★

4.1

OVERALL RATING

4.1/5.0
  • Earn 1% cash back rewards on eligible gas and automotive purchases and double cash back rewards at the NASCAR Shop, terms apply
  • With $0 Fraud Liability, you won’t be responsible for unauthorized charges
  • Automatic reviews for credit line increase opportunities
  • View your free online access to your Experian credit score, terms apply
  • Choose your monthly payment due date for added convenience, terms apply
  • Never miss an account update with customizable text and email alerts
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
23.99% variable
$39-$99
Bad/Poor/Fair/Good/Excellent

The annual fee and interest rates you are charged will be based on your credit rating. Interestingly, the annual fee is billed in small monthly increments rather than in one lump sum.

This card is for those with average credit. You can see whether you prequalify for this card on Credit One’s website without hurting your credit score.

What Is a Co-Branded Sports Card?

A co-branded credit card is any card that’s issued by a credit card company in partnership with a non-credit-card company. The partnership enables the card company to offer its cardholders rewards that are specific or exclusive to the non-card company. 

The partner may offer airline miles, (e.g., American Airlines, Delta, JetBlue, Southwest Airlines, or United Airlines), hotel stays (e.g., Hilton, Hyatt, or Marriott), or other types of rewards (e.g., Amazon, AARP, Costco, or Uber).

A co-branded sports card means the card’s partner is affiliated in some way with a pro or college sports organization, such as the NFL, NHL, PGA, or NASCAR. Individual pro or college teams may offer their own co-branded credit card as well.

If you’re a fan of a specific organization, check out your favorite team’s website for details.

Co-branded cards may not offer the lowest rates or fees or the most flexible rewards programs, but they do give you access to those special perks and a way to show your team spirit when you use your card.

Apart from the brand-specific rewards and perks, co-branded cards are essentially the same as any other type of credit card. The application process is similar. The card functions the same way. The fees and benefits may be similar.

How Do I Apply For a Sports Credit Card?

The process to apply for a sports credit card is generally the same as the process to apply for any other type of card.

The first step is to review your credit reports and credit scores and try to get a sense of whether you’re qualified for the card you’re interested in.

How to Check Your Credit Reports Graphic

If your credit is good or excellent, you may be better qualified to obtain some of the top card offerings, including premium and co-branded cards. If your credit is so-so, your ability to qualify for the top cards may be somewhat lessened.

With fair or poor credit, you may want to shop for a card designed for people with low credit scores.

After you find the card you want, the next step is to apply online or by phone. If you want to apply for a card that’s issued by a credit union, you’ll typically have to join the credit union before you can be approved for that card.

If you’re approved for the card, you’ll normally receive it by U.S. Mail within 10 business days, sometimes sooner.

What Benefits Will I Receive as a Cardholder? 

Cardholders generally receive a wide variety of benefits from co-branded sports cards.

In addition to a rewards program and sports-related perks, this type of card may include a balance transfer offer, a cash advance option, a mobile app, $0 fraud liability, fraud text alerts, or online account management services.

Photo of a woman purchasing tickets on her mobile device with a credit card.
Cardholders receive sports-related perks and discounts plus standard cardholders benefits, like fraud protection and balance transfer promotions.

A balance transfer may help you consolidate your card balances with a lower rate that can save you money while you pay down the amount you owe. This may make sense for you if you want to pay down higher-rate debt with a lower or 0% interest rate, lower your minimum monthly payments, or make one payment instead of multiple payments each month.

A balance transfer could help or hurt your credit, depending on how well you manage your new payment and whether you continue to add to your debt, among other factors.

Balance transfers typically involve balance transfer limits and may involve fees as well. You should do some research and shop around for a balance transfer card before you pursue this opportunity.

Mobile apps and online services can be used to track your card purchases, payments, rewards, and statement credits.

Fraud text alerts and $0 fraud liability help to protect you from financial loss if your card is used without your permission. Even with alerts and $0 liability, you should still notify your credit card issuer as soon as possible if your card is lost or stolen or you suspect fraudulent activity on your card.

Show Your Team Spirit With a Sports Credit Card

Sports cards may not offer the lowest interest rates or best rewards programs of the vast universe of cards. But they come with plenty of heart for fans who want to show their colors or score discounts when they purchase team tickets or merchandise from participating outlets.

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