SCHEELS® Business Visa® Card
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| Purchase APR (Variable APR) |
22.24% (Verified 09/05/2022) |
| Balance Transfer APR (Variable APR) |
22.24% (Verified 09/05/2022) |
| Credit Score Range | Starting at 650 |
| Annual Fee | $0 |
SCHEELS® Business Visa® Card Review
This is a rewards card issued by First National Bank of Omaha. If you're wondering whether SCHEELS Business Visa Card is the right card for you, read on.
Key Takeaways
- High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 22.24%
- No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
- Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of SCHEELS Business Visa Card
| The Good | The Bad |
|---|---|
|
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What are the relevant APRs?
This business credit card has a variable purchase APR of 22.24%. The card has a variable balance transfer APR of 22.24% .
It also has a variable cash advance APR of 27.49%.
Does it have an introductory APR offer?
No, this business card does not come with an introductory APR offer for balance transfers.
This business card does not offer an introductory rate on new purchases.| Purchase APR | 22.24% |
| Balance Transfer APR | 22.24% |
| Cash Advance APR | 27.49% |
What fees does it charge?
The following fees apply to this business credit card:
- There is no annual fee.
- A late payment penalty of up to $39.
- A returned payment fee of up to $35.
- An overlimit fee of $39.
Does it charge a foreign transaction fee?
This business card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this business card at home and apply for one that doesn't charge a foreign transaction fee.
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% |
| Returned Payment Fee | $35 |
| Late Payment Fee | $35 to $39 |
Does it offer a cash back or rewards program?
Yes, SCHEELS Business Visa Card offers a rewards program to its customers.
Does it have a sign up bonus?
This business credit card doesn't offer a cash signup bonus.
Does it offer an annual loyalty bonus?
This business card doesn't offer a cash loyalty bonus.
What are the benefits?
This business credit card provides the following benefits:
- Fraud Liability
What is the customer service phone number?
The customer service number for this business card is (415) 908-2200.
What is the support contact email?
The support contact email for this business credit card is firstnational@fnbo.com.
How to apply?
- Visit the First National Bank of Omaha .
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
- Check the information is accurate and submit your application.
- If you're denied click here to find out why your application may have been rejected and what you can do about it.
Contact
- Headquarters
-
16th & Dodge St
Omaha, NE 68197 USA - (415) 908-2200
- Visit Site
- Email Support
Other Services by First National Bank of Omaha
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Annual Fee | $0 |
| Cash Advance Fee (%) | 5% |
| Cash Advance Fee Minimum | $15 |
| Foreign Currency Transaction Fee | 3% |
| Late Fee Amount | $35 - $39 |
| Minimum Cash Advance Fee ($) | $15 |
| Minimum Interest Charge | $1.75 |
| No Annual Fee | |
| No Interest Grace Period for Late Payment | 20 days |
| Over-Limit Fee | $39 |
| Returned Payment Fee | $35 |
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