Earn up to 8% cash back on sports tickets until January 2022.
There seems to be a credit card for everything — grocery purchases, travel spending, you name it. But are there cards for diehard sports fans?
As it turns out, there are. Some are cobranded cards for sports leagues; others are general rewards cards that happen to include sports benefits.
We looked for cards that offered sports-related benefits, such as bonus rewards, discounts or options for card customization. We also chose cards that we could recommend as standalone options — those that would still be effective cards without sports benefits.
The Bank of America® Customized Cash Rewards — on which the PGA TOUR® Cash Rewards World Mastercard® from Bank of America and MLB® Credit Card from Bank of America are modeled — now has a top cashback tier that lets you choose the bonus category.
The best sports credit cards for fans
These credit cards have unique features that will appeal to sports fans — from bonus rewards on sports tickets to discounts on merchandise. They also happen to be strong cards in their own right, useful for everyday purchases or spending in categories such as travel.
For a sports fan, the Capital One Savor Cash Rewards Credit Card stands out with its excellent 4% cash back on entertainment purchases. This rewards rate typically includes purchases of sporting-event tickets. There's another perk that's easy to miss on the card application page: You'll earn a stellar 8% cash back when you buy tickets at Vivid Seats with your Capital One Savor Cash Rewards Credit Card. Vivid Seats is a platform that gives you access to MLB, NFL, NBA and NHL events — plus many more.
Pros
Signup bonus. Earn $300 cash bonus after you spend $3,000 during your first 3 months of card membership.
Cash back. Earn 4% cash back on dining and entertainment purchases, 2% at grocery stores, 8% back on Vivid Seats until January 31, 2023, and 1% back on all other purchases.
No foreign transaction fees. Use this card freely abroad and you won't pay any foreign transaction fees.
Cons
Annual fee. You'll pay a $95 annual fee.
No intro APR period. You get cool perks with this card, but you don't get a 0% intro APR period on balance transfers or purchases.
Annual fee
$95
Purchase APR
16.24%, 21.24% or 24.24% variable
Balance transfer APR
16.24% or 24.24% variable
Welcome Offer
$300 after spending $3,000 in the first 3 months
Rewards
8% cash back
Pros
Signup bonus. Earn $300 cash bonus after you spend $3,000 during your first 3 months of card membership.
Cash back. Earn 4% cash back on dining and entertainment purchases, 2% at grocery stores, 8% back on Vivid Seats until January 31, 2023, and 1% back on all other purchases.
No foreign transaction fees. Use this card freely abroad and you won't pay any foreign transaction fees.
Cons
Annual fee. You'll pay a $95 annual fee.
No intro APR period. You get cool perks with this card, but you don't get a 0% intro APR period on balance transfers or purchases.
With 3% cash back on entertainment purchases, the Capital One SavorOne Cash Rewards Credit Card is another good choice for sports fans.
The card now earns 8% cash back at Vivid Seats just like its sibling, and you won't pay an annual fee.
Pros
Annual fee. None.
APR. 0% intro APR on purchases for 15 months, then a normal purchase and balance transfer APR of 16.49% to 26.49% variable.
3% cash back on dining and entertainment. 8% back on Vivid Seats. 3% at grocery stores. 1% on all other purchases.
Welcome offer. $200 cash bonus after you make $500 in purchases within the first 3 months of account opening.
Cons
Minimum credit line. Your credit line depends on multiple factors, but when you apply for this card, know that you won’t get a lower credit line than $1,000. This is relatively low compared to the minimum credit line you get with the Capital One Savor Cash Rewards Credit Card of $5,000.
Potentially high APR. Your APR mostly depends on your creditworthiness. A low score could get you a variable APR of up to 26.49%. Avoid paying the high interest by paying your balance when due.
Annual fee
$0
Purchase APR
0% intro for the first 15 months (then 16.49% to 26.49% variable)
Balance transfer APR
0% intro for the first 15 months (then 16.49% to 26.49% variable)
Welcome Offer
Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
Rewards
8% cash back
Pros
Annual fee. None.
APR. 0% intro APR on purchases for 15 months, then a normal purchase and balance transfer APR of 16.49% to 26.49% variable.
3% cash back on dining and entertainment. 8% back on Vivid Seats. 3% at grocery stores. 1% on all other purchases.
Welcome offer. $200 cash bonus after you make $500 in purchases within the first 3 months of account opening.
Cons
Minimum credit line. Your credit line depends on multiple factors, but when you apply for this card, know that you won’t get a lower credit line than $1,000. This is relatively low compared to the minimum credit line you get with the Capital One Savor Cash Rewards Credit Card of $5,000.
Potentially high APR. Your APR mostly depends on your creditworthiness. A low score could get you a variable APR of up to 26.49%. Avoid paying the high interest by paying your balance when due.
Annual fee
$0
Purchase APR
0% intro for the first 15 months (then 16.49% to 26.49% variable)
Balance transfer APR
0% intro for the first 15 months (then 16.49% to 26.49% variable)
Welcome Offer
Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
If you're a diehard NFL fan, this card could be a smart choice. You'll earn a solid 2x points on NFL and team-pro-shop purchases. But the star feature is perhaps the 20% discount at NFLShop.com — perfect if you're big on merch. You can use your points for redemptions such as game tickets, pregame sideline passes and more. Or if you'd prefer to keep it simple, you can redeem points for cash back. Each point is worth a standard 1 cent each.
Pros
Rewards. Earn 10,000 bonus points if you spend $500 using your card in the first 90 days. You’ll also earn 2 point per dollar spent on game tickets, in-stadium purchases and at team pro shops. All other purchases earn 1 points per dollar spent. You can redeem your points for game tickets, gift cards and an array of team experiences — or for statement credit to repay your account balance.
Discounts. Use this card to shop online at NFLShop.com and get 20% off purchases. That’s a saving of $20 on every $100 you spend. (This has changed for all teams except the Bears, Colts, Patriots, Eagles, Steelers, Vikings, Rams and Redskins.)
Ticket financing. Use this card to pay for NFL tickets at any NFL team ticket office to be eligible for a promotional 0% APR for six billing cycles. At the end of six billing cycles, the variable APR adjusts to an APR that varies according to your creditworthiness.
Balance transfer offer. This card comes with a promotional balance transfer APR of 0% that stays in place for 15 months and applies to balance transfers made within 45 days of opening the account. Once the promotional period expires, the APR adjusts to 16.24%, 21.24% or 26.24% variable for all outstanding balances. A balance transfer fee applies.
Cons
Smaller intro offer on purchases. This card comes with just a six billing cycles 0% APR intro offer on purchases.
Annual fee
$0
Purchase APR
0% intro for the first six billing cycles (then 16.24%, 21.24% or 26.24% variable)
Balance transfer APR
0% intro for the first 15 months (then 16.24%, 21.24% or 26.24% variable)
Welcome Offer
10,000 points after spending $500 in the first 90 days
Rewards
2x points
Pros
Rewards. Earn 10,000 bonus points if you spend $500 using your card in the first 90 days. You’ll also earn 2 point per dollar spent on game tickets, in-stadium purchases and at team pro shops. All other purchases earn 1 points per dollar spent. You can redeem your points for game tickets, gift cards and an array of team experiences — or for statement credit to repay your account balance.
Discounts. Use this card to shop online at NFLShop.com and get 20% off purchases. That’s a saving of $20 on every $100 you spend. (This has changed for all teams except the Bears, Colts, Patriots, Eagles, Steelers, Vikings, Rams and Redskins.)
Ticket financing. Use this card to pay for NFL tickets at any NFL team ticket office to be eligible for a promotional 0% APR for six billing cycles. At the end of six billing cycles, the variable APR adjusts to an APR that varies according to your creditworthiness.
Balance transfer offer. This card comes with a promotional balance transfer APR of 0% that stays in place for 15 months and applies to balance transfers made within 45 days of opening the account. Once the promotional period expires, the APR adjusts to 16.24%, 21.24% or 26.24% variable for all outstanding balances. A balance transfer fee applies.
Cons
Smaller intro offer on purchases. This card comes with just a six billing cycles 0% APR intro offer on purchases.
Annual fee
$0
Purchase APR
0% intro for the first six billing cycles (then 16.24%, 21.24% or 26.24% variable)
Balance transfer APR
0% intro for the first 15 months (then 16.24%, 21.24% or 26.24% variable)
Welcome Offer
10,000 points after spending $500 in the first 90 days
If you don't mind not having sports rewards or discounts but love baseball, try this product. The only baseball-related perk is getting your favorite MLB team's logo emblazoned on your card. That just might hit the spot — plus, you'll enjoy an excellent cashback card for everyday purchases.
Pros
Signup bonus. Spend $1,000 in the first 90 days and get $200 cash rewards bonus. This is one of the easiest bonuses you can earn.
Cashback rewards. Get 3% cash back on purchases in a category of your choice and 2% at grocery stores and wholesale clubs for the first $2,500 in combined purchases each quarter. After you reach the $2,500 mark, you earn 1% cash back for the remainder of that quarter. You also earn 1% on everything else.
Support your favorite MLB team. Choose a card with your baseball team from Major League Baseball’s full roster of 30 teams.
Intro APR for purchases and balance transfers. Pay no interest on purchases and balance transfers for the 15 statement closing dates following your account opening. After that, a variable APR of 13.99% to 23.99% applies.
Cons
Balance transfer limitations. To use the intro APR period on balance transfers, make your transfers in the first 60 days of card membership. Know that for every transfer you make, you’ll pay either $10 or 3% of the transaction, whichever is greater.
Foreign transaction fees. When you travel abroad, refrain from using this card for unnecessary purchases as you’ll pay a 3% fee for every transaction.
Penalty fees. For every late payment you make, you’ll pay a fee of up to $40. A single late payment could also land you with a variable penalty APR of 29.99% indefinitely.
Annual fee
$0
Purchase APR
0% intro for the first 15 statement closing dates (then 13.99% to 23.99% variable)
Balance transfer APR
0% intro for the first 15 statement closing dates (then 13.99% to 23.99% variable)
Welcome Offer
$200 after spending $1,000 in the first 90 days
Rewards
3% cash back
Pros
Signup bonus. Spend $1,000 in the first 90 days and get $200 cash rewards bonus. This is one of the easiest bonuses you can earn.
Cashback rewards. Get 3% cash back on purchases in a category of your choice and 2% at grocery stores and wholesale clubs for the first $2,500 in combined purchases each quarter. After you reach the $2,500 mark, you earn 1% cash back for the remainder of that quarter. You also earn 1% on everything else.
Support your favorite MLB team. Choose a card with your baseball team from Major League Baseball’s full roster of 30 teams.
Intro APR for purchases and balance transfers. Pay no interest on purchases and balance transfers for the 15 statement closing dates following your account opening. After that, a variable APR of 13.99% to 23.99% applies.
Cons
Balance transfer limitations. To use the intro APR period on balance transfers, make your transfers in the first 60 days of card membership. Know that for every transfer you make, you’ll pay either $10 or 3% of the transaction, whichever is greater.
Foreign transaction fees. When you travel abroad, refrain from using this card for unnecessary purchases as you’ll pay a 3% fee for every transaction.
Penalty fees. For every late payment you make, you’ll pay a fee of up to $40. A single late payment could also land you with a variable penalty APR of 29.99% indefinitely.
Annual fee
$0
Purchase APR
0% intro for the first 15 statement closing dates (then 13.99% to 23.99% variable)
Balance transfer APR
0% intro for the first 15 statement closing dates (then 13.99% to 23.99% variable)
This is the card of choice if you're a golf enthusiast. Not only does it get you special access to TPC golf courses, it also gives you amenities such as exclusive booking windows, dedicated lockers and waived hotel-stay requirements. The card can also save you money: You'll get a 20% discount at TPC stores and discounted green fees.
Pros
Annual fee. None.
APR. 0% intro on purchases and balance transfers for the first 15 statement closing dates. After that, 13.99% to 23.99% variable.
Special access to participating TPC golf courses. Plus VIP membership amenities for you and three friends.
20% discount at TPC shops and discounted green fees when you use your card. Two tickets to a PGA TOUR event after you make $95 in purchases within the first 90 days of account opening.
Rewards. 3% cash back in the eligible category of your choice, and 2% cash back at grocery stores and wholesale club on up to $2,500 in combined purchases each quarter. After that 1%. You'll get 1% cash back on all other purchases.
Welcome offer. $200 cash rewards bonus after you make $1,000 in purchases on your card within the first 90 days from account opening.
Cons
Foreign transaction fees. You'll pay a 3% fee on purchases made abroad.
Annual fee
$0
Purchase APR
0% intro for the first 15 statement closing dates (then 13.99% to 23.99% variable)
Balance transfer APR
0% intro for the first 15 statement closing dates (then 13.99% to 23.99% variable)
Welcome Offer
$200 after spending $1,000 in the first 90 days
Rewards
3% cash back
Pros
Annual fee. None.
APR. 0% intro on purchases and balance transfers for the first 15 statement closing dates. After that, 13.99% to 23.99% variable.
Special access to participating TPC golf courses. Plus VIP membership amenities for you and three friends.
20% discount at TPC shops and discounted green fees when you use your card. Two tickets to a PGA TOUR event after you make $95 in purchases within the first 90 days of account opening.
Rewards. 3% cash back in the eligible category of your choice, and 2% cash back at grocery stores and wholesale club on up to $2,500 in combined purchases each quarter. After that 1%. You'll get 1% cash back on all other purchases.
Welcome offer. $200 cash rewards bonus after you make $1,000 in purchases on your card within the first 90 days from account opening.
Cons
Foreign transaction fees. You'll pay a 3% fee on purchases made abroad.
Annual fee
$0
Purchase APR
0% intro for the first 15 statement closing dates (then 13.99% to 23.99% variable)
Balance transfer APR
0% intro for the first 15 statement closing dates (then 13.99% to 23.99% variable)
Sports credit cards are relatively few in number, so making the right choice comes down to a few considerations:
Do you care about design? While there are several reward cards that can earn points on sporting events, only a few come with a sports-centric card design.
Look for sports-specific perks. If you’re an avid golfer for example, the golf course access offered by the PGA TOUR® Cash Rewards World Mastercard® from Bank of America might be valuable enough to make the card worth it.
Consider the other non-sports rewards. Most “sports” credit cards will ultimately earn the most rewards on other categories such as groceries. Take a card’s earning rates and your own spending habits into consideration when making your decision.
How to choose the best sports credit card
You may find these sports-related benefits in your next sports credit card:
Bonus rewards You may earn accelerated rewards on sports-related purchases, especially at eligible online stores.
Discounts In addition to or in place of bonus rewards, you may receive discounts on merchandise. Depending on your spending, this could be even better than receiving cash back of a few percentage points.
Card customization You may be allowed to add your favorite team’s logo to your card.
Intro APR Your card may offer an introductory interest rate on eligible sports purchases, or on purchases and balance transfers in general.
Special access to venues While this benefit is uncommon, your card may afford you access to special venues where you can enjoy your favorite sport.
Cards you can custom design with your team’s logo
NFL Extra Points Credit Card
MLB® Credit Card
Is a sports credit card right for me?
In truth, sports credit cards aren’t necessarily the most valuable credit cards out there. Most consumers will be better served by picking a general rewards card, or one that includes event tickets in the rewards program, such as the Savor One Rewards.
Still, a few sports junkies out there might find some value in the niche cards like the NFL Extra Points Credit Card or PGA TOUR® Cash Rewards World Mastercard® from Bank of America. Review your spending and weigh the benefits to see if a general rewards card is best for you.
Compare sports credit cards for fans
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Bottom line
A sports credit card may offer bonus rewards, discounts, special amenities and more. It can be a great choice if much of your spending goes toward sports tickets or merchandise. You might also enjoy a cashback credit card, which may reward you for sports purchases and everyday spending.
Frequently asked questions
Though a sports credit card might sound lucrative, you might not spend as much on sports purchases as you think. This means you could earn less in rewards than expected. Getting a solid cashback credit card lets you earn rewards on normal purchases as well as occasional sports spending.
If your card provider allows this, you can choose your team logo as you apply for the card.
You’ll earn a certain number of points per dollar spent in each category. Later, you can redeem your points for a variety of options, such as travel, gift cards or even sports tickets and events.
Kevin Joey Chen was a credit cards, banking and investments writer for Finder. His work and analysis have appeared on CNN, U.S. News & World Report, Business.com, Lifehacker and CreditCards.com.
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