SCHEELS® Business Visa® Card
SCHEELS® Business Visa® Card
in Business Credit Cards from First National Bank of Omaha

SCHEELS® Business Visa® Card

in Business Credit Cards from First National Bank of Omaha
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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
  • No annual fee.
  • Cardholders can earn rewards on their purchases.
  • Higher than average purchase APRs.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 3%.
  • You don't earn rewards on every purchase.
  • Does not report to credit bureaus.
  • Does not include many credit card benefits.

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.

SCHEELS Business Visa Card Rates & Terms
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.

SCHEELS Business Visa Card Fees
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

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.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.


  Available in 50 states and Washington, D.C.
  • 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
Customer Type Business
Minimum Age 18
Credit Score Range 650 -
Credit Card Benefits
  • Fraud Liability
Bonus Rewards Get a $25 SCHEELS gift card automatically for every 2,500 points you earn.
APR Type Variable APR
Cash Advance APR (Variable APR) 27.49%
Purchase APR (Variable APR) 22.24%
(Verified 09/05/2022)
Balance Transfer APR (Variable APR) 22.24%
(Verified 09/05/2022)
Card Network Visa
Card Type
  • Rewards

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