TEMPE, Ariz. -- Kurt Warner wound up right where he wanted to be, with a hefty pay raise to return to the Arizona Cardinals team he led to the Super Bowl.
The 37-year-old quarterback agreed to terms Wednesday on a two-year, $23 million contract with the Cardinals.
"I love what we've been doing," Warner said. "I love what we've been building here."
The deal includes a $15 million signing bonus. Combined with a $4 million salary for the first year of the contract, $19 million is guaranteed.
"We're ecstatic about the commitment the organization has made to us," Warner said. "Now it's my job for the next two years to go fulfill my part of the deal."
Warner believes it's his final NFL contract.
"You never say never," he said, "but I'm old."
Warner had talked about needing time after the season to decide whether to retire, a thought that turned out to be fleeting.
"Probably two days after the Pro Bowl, all that was on my mind was football," Warner said. "I told my wife, 'Sorry, honey, it's not time."'
Warner said he understands that he's being paid a lot of money in a time of financial hardship for so many.
"You know the numbers are staggering, and to add to that the economy and where people are struggling, it's tough," Warner said. "But all I know is I've worked hard to get to the point that I'm at, to be in this position and have opportunities like this, and I don't regret that fact.
"The fact is that's the market for what I do. I'm fortunate for that, and I'm blessed in so many ways."
"I told my wife probably 45 minutes into it that I just felt God say, 'You're supposed to be in Arizona,"' Warner said, "and I told her that. She tried to tell me to stay open, but He just continued to confirm it."
While the 49ers are planning a run-oriented offense, the Cardinals are among the best passing teams in the NFL, with a trio of outstanding wide receivers in Larry Fitzgerald, Anquan Boldin and Steve Breaston.
Warner said the 49ers made him an offer that was larger than the one he agreed to in Arizona. But on the flight back from San Francisco, he said he called his agent, Mark Bartelstein, and told him to do what was necessary to get the Cardinals deal done.
Initially, Warner had sought to be among the five highest-paid quarterbacks in the NFL, about $14.5 million per year. But on Tuesday, Bartelstein offered Arizona a two-year, $23 million deal. The Cardinals initially had offered two years and $20 million.
The deal essentially was reached Tuesday, Cardinals general manager Rod Graves said, with only a few details to be ironed out Wednesday.
"We wanted to come up with a number that was fair to Kurt and to be able to do that within the context of other team objectives," Graves said.
Earlier in the negotiations, Warner had offered to give $1 million per year of his contract toward a new deal for Boldin, but that provision wasn't in the final agreement. Boldin has asked to be traded because he believes the Cardinals failed to follow through on a promise for a new contract a year ago. Graves said the team still plans to eventually address Boldin's desire for a long-term contract.
Warner has been with the Cardinals for four seasons, but he had to win the starting job from Matt Leinart in training camp a year ago. Warner went on to have a Pro Bowl season that rivaled his league MVP days with the St. Louis Rams.
Warner started all 20 games for Arizona last season. In 16 regular-season games, he completed 67 percent of his throws for 4,583 yards and 30 touchdowns, with 14 interceptions. He finished second in the NFL in completions, completion percentage and passing yards.
In four playoff games, Warner was even better, completing 68 percent of his passes for 1,147 yards and 11 touchdowns, with three interceptions.
In addition, Warner was named the NFL Man of the Year for his off-the-field contributions, as well as his playing excellence.
Graves called Warner "an elite player, a class act, and truly a professional."
Warner's return to the top was one of the best stories of last season, an intriguing chapter to his storybook career. His well-known tale includes stocking shelves in a supermarket, then working his way through the Arena Football League and NFL Europe to St. Louis, where he was thrust into the Rams' starting job after an injury to Trent Green.
Then it was off to Arizona, where Warner went from backup to the leader of a franchise that rocketed from nowhere in 2008.
Copyright 2009 by The Associated Press