Fanatics opened a U.S. waitlist on November 9, 2026, for the Fanatics American Express Card. The card has no annual fee and earns FanCash, the Fanatics loyalty currency. Fanatics says invitations to apply will be sent starting later this year.
What the Card Earns
Fanatics lists these FanCash earning rates:
- 5% on purchases across the Fanatics ecosystem, including Fanatics.com, Mitchell & Ness, Lids, Fanatics Collect, Fanatics Live and Topps.com.
- 8% or more on purchases in the Fanatics App. The fine print says you may earn an additional 3% FanCash or more on top of the 5% when you buy through the Fanatics App.
- 5% on tickets and select streaming services. The fine print says this rate applies to select Fandom Merchants, up to $5,000 of spend a year.
- 2% on other eligible purchases.
FanCash can be used across the Fanatics platform, for authentic apparel, trading cards, collectibles, tickets and events such as Fanatics Fest.
Bonuses
New cardholders get $100 FanCash after $1,000 in net spend within 90 days of account opening. It's valid one time only and can't be combined with other offers. You can also earn an additional $100 FanCash by spending $500 a month for 12 consecutive months.
Other Perks
You get 2,500 Fanatics ONE tier points when you open the account and on each anniversary, plus 10 tier points for every $50 spent. Cardmembers also get a quarterly early-access presale for a select Topps product, subject to availability. At Fanatics Fest, they get early floor access and additional perks, including a cardmember gift.
The Championship Challenge gives cardmembers a chance to get up to $100,000 of annual card spending back by correctly predicting all four MLB, NBA, NFL and NHL champions. Fanatics says eligibility requirements apply, details will be announced before entry, and program details are subject to change.
You can pick from more than 500 trading card-inspired designs featuring NBA, NFL, UFC and WWE athletes. The card also carries American Express Network benefits: Amex Offers, Amex Experiences with ticket presales, travel benefits, retail protections and extended warranty coverage.
Who Issues the Card
The card is powered by the American Express Network and Imprint, and it is issued by First Electronic Bank. You must have a Fanatics ONE account to have the card. See the Credit Program Cardholder Agreement for APRs, fees and other credit terms.
Fanatics also joined the Amex Membership Rewards program as a transfer partner on November 9. For how that transfer works, see our article on Amex adding Fanatics as a transfer partner.
Who This Card Suits
The highest rate Fanatics lists is 8% or more in the Fanatics App. Fanatics brands earn 5%, and so do ticket sellers like Ticketmaster and StubHub and streaming services like Netflix and ESPN+, up to $5,000 a year. That makes the card a fit for fans who already spend on gear, tickets or streaming. The base rate everywhere else is 2% FanCash. If you want airline miles or hotel points, a travel or transferable points card fits better. Our guide to when a co-branded card beats a general rewards card covers that trade-off.
What to Do Now
You can join the waitlist on Fanatics' site. The card requires a Fanatics ONE account. Wait for an invitation before you try to apply, and read the cardholder agreement for the APR and fees first.
