Extra Points World Mastercard® Credit Card — Comenity Capital Bank is a personal credit card from Comenity Capital Bank. The annual fee is No Annual Fee. The ongoing APR is For new accounts, as of April 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.. Signup bonus: Earn $100 Cash Back after spending $500 with the NFL Extra Points Credit Card, outside of the NFL, within the first 90 days of account opening. Paid as a statement credit.. Rewards: 3% in Rewards on qualifying NFL purchases and NFL Team purchases; 2% in Rewards on grocery store, food delivery, restaurants, gyms and sporting good store purchases; 1% in Rewards on all other purchases.