Sorry, Cleveland, you aren’t going to get RGIII. Matt Flynn, Colt McCoy, or Ryan Tannehill it is. Whether you’re excited about those guys (and not going up a ton to get an unproven college player) or need some retail therapy to cope, you might be interested in opening the Cleveland Browns Extra Points Credit Card. However, just like people say you shouldn’t bet on your own team because emotions cloud judgment, you need to be careful about overpaying for branding, especially since you could personalize the entire front of any Capital One Credit Card with the picture of your choosing. In other words, you shouldn’t get the Cleveland Browns Credit Card because it’s the Cleveland Browns Credit Card; you should get it if it’s the best card available. You’re drafting for value here, not hype. Taking a look at what the Browns Credit Card has to offer, it gives you a $200 initial bonus, 20% off every purchase at NFLShop.com, 1% cash back on everything else, and 0% on balance transfers for 15 months (3% balance transfer fee). So is that value?

Well, the Browns Card’s initial bonus is bested by the $500-625 offered by the Chase Sapphire Preferred Card. Its base cash back rate is worse than the 1.5% across all purchases offered by the Capital One Cash Rewards Card and the 2% you get from the Cap One Venture Card as long as you redeem miles for travel. It’s 0% intro rate isn’t as good as the 0% on purchases and transfers offered by the No Balance Transfer Fee Slate Card from Chase. Only the 20% discount it gets you at NFLShop.com makes it stand out, so only get the Cleveland Browns Credit Card if you spend a ton at NFLShop.com. Otherwise it wouldn’t be worth it.