18 NFL Team Credit Cards Move From Visa to American Express

The NFL Extra Points Visa card is headed to the sidelines.

Comenity Capital Bank will remain the issuer, and cardholders will keep their existing rewards, rates, fees, credit limits and payment due dates. But they’ll need to activate their replacement cards and update recurring payments and digital wallets with the new card information.

The new NFL Extra Points American Express cards are expected to arrive from Sept. 20 to 28.

Comenity Capital Bank published a number of updates for people with Visa cards whose accounts are transitioning to the American Express Network. The bank says cardholders can continue using their current cards until the replacements arrive.

Existing balances will transfer Aug. 31 to new accounts on the Amex Network. Comenity Capital Bank will remain the issuer. Any purchases made after that date — and before a cardholder activates the new card — will appear on the cardholder’s Amex billing statement.

NFL Extra Points Card Transition Timeline

Source: Comenity Capital Bank

Aug. 25, 2026

Full Visa account access ends

Full access to the existing Visa Account Center continues through this date

1

Aug. 31, 2026

Accounts move to the Amex Network

Balances and eligible rewards transfer while Comenity remains the issuer

2

Oct. 12, 2026

Existing Visa cards stop working

Cardholders must update recurring payments and stored card information by this date

3

Aug. 26-31

Account access is limited

Some account changes will be temporarily unavailable

4

Sept. 20-28

Replacement cards arrive

Cardholders should activate their new NFL Extra Points American Express cards

5

Full access to Visa’s Account Center will continue through Aug. 25. Access will be limited from Aug. 26 through Aug. 31, and cardholders will lose access to their Visa account details after that. Beginning Aug. 31, cardholders can log in to manage their new Amex-network accounts.

Comenity said any autopay or scheduled payments previously set up by cardholders should transition to the new account. Because the bank says those payments “should” transfer, cardholders may want to confirm that they do.

Cardholders will need to update their card information with merchants that regularly bill their accounts by Oct. 12. Their existing Visa cards will stop working after that date, so cardholders must activate their replacements and update recurring charges by then.

American Express announced the new version of the NFL Extra Points credit card as offering rewards on NFL purchases and access to Amex Network benefits.

American Express is partnering with Bread Financial on the program. Comenity Capital Bank, a Bread Financial company, will continue issuing the cards.

Language on the bank’s website indicates that the rewards on the Amex card will stay the same. Existing rewards balances will also transfer automatically to each cardholder’s new account.

The NFL Extra Points American Express Credit Card allows cardholders to earn 3% in rewards on qualifying NFL purchases. The rate falls to 2% on food delivery, grocery store, gym, sporting goods store and restaurant purchases. All other purchases earn 1%.

People can redeem their rewards points for cash back, exclusive experiences, gift cards, merchandise or NFL tickets.

The card also advertises a welcome offer of $100 cash back in the form of a statement credit after spending $500, excluding NFL purchases, within 90 days of opening an account. Because the offer is tied to opening an account, transitioning cardholders should not assume they qualify.

Bread Financial’s Aug. 26 announcement says cardholders can also get 25% off qualifying purchases from NFLShop.com.

Cardholders can receive special financing on qualifying NFL ticket purchases of $250 or more made through NFL team ticket offices, Ticketmaster, SeatGeek or Sports Illustrated Tickets.

The card does not charge an annual fee. Cardholders will also gain access to Amex benefits that include offers, ticket presales, travel perks, purchase protections and certain event and venue experiences.

Account numbers, CVVs and expiration dates will be different on the new American Express cards. Cardholders will also need to add the new information to any digital wallets they use.

What the Visa-to-Amex Switch Changes

Source: Comenity Capital Bank

What changes	What stays the same
Payment network	Comenity Capital Bank remains the issuer
Account number	Rewards
CVV and expiration date	Rates and fees
Recurring payment information	Credit limit
Digital wallet information	Payment due date

The conversion will not change existing rates, fees, credit limits or payment due dates. Comenity also says it will not appear as a closed account on cardholders’ credit reports. Instead, the existing account will be shown as transitioning from Visa to American Express.

Cardholders cannot opt out of the conversion and keep their existing Visa accounts. Those who do not want the new Amex version must close their accounts.

Allegra Krishnan, Senior Vice President, Marketing Strategy and Science at the NFL, said the league is always looking for new ways to strengthen the connection between fans and their favorite teams.

“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,” Krishnan said. “It’s a powerful combination of fandom and benefits that delivers greater value both on and off the field.”

The card launch builds on American Express’ broader NFL partnership. The company announced earlier this year that it is serving as the Official Payments Partner of the NFL beginning with the 2026 season.