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

SCHEELS® Secured Visa® Card

Unaffiliated
in Credit Cards from First National Bank of Omaha
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Highlights
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 620
Annual Fee $0

SCHEELS® Secured Visa® Card Review

This is a secured credit card card issued by First National Bank of Omaha. If you're wondering whether SCHEELS Secured Visa Card is the right card for you, read on.

Key Takeaways

  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 6 months , which is shorter than the average 0% APR period of 12 months.
  • 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 card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
  • 5% Balance transfer fee. SCHEELS® Secured Visa® Card charges a fee of 5% on balance transfers. For example, a balance of $1,000 could cost $50 in transfer fees. The minimum fee is $10.
  • 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.
  • Secured card. This card requires a refundable deposit before you qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
  • Fair or better credit required. You will have good approval odds if your credit score is above 620.

Pros & Cons of SCHEELS Secured Visa Card

The Good The Bad
  • 0% APR balance transfer intro rate on balance transfers for up to 6 months.
  • No annual fee.
  • Considers applicants with fair credit.
  • Higher than average purchase APRs.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 3%.
  • You don't earn rewards on every purchase.
  • Does not report to credit bureaus.
  • Charges a 5% balance transfer fee.
  • Does not include many credit card benefits.

SCHEELS Secured Visa Card FAQ

Does SCHEELS Secured Visa Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the relevant APRs for SCHEELS Secured Visa Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

SCHEELS® Secured Visa® 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% .

The good news is this card does not charge a penalty APR if you are late on a payment.

Does SCHEELS Secured Visa Card have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 6 months.

SCHEELS® Secured Visa® Card Balance Transfers
Description
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 6 months
Balance Transfer APR 22.24%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 5%

Does SCHEELS Secured Visa Card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for SCHEELS Secured Visa Card?

The following fees apply:

SCHEELS Secured Visa Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 3%
Returned Payment Fee up to $35
Late Payment Fee up to $40

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

Does SCHEELS Secured Visa Card have a foreign transaction fee?

SCHEELS Secured Visa 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 card at home and apply for one that doesn't charge foreign transaction fees.

What is the customer service phone number for SCHEELS Secured Visa Card?

The SCHEELS Secured Visa Card customer service number is (415) 908-2200.

What is the support contact email for SCHEELS Secured Visa Card?

The support contact email for SCHEELS Secured Visa Card is firstnational@fnbo.com.

What is the SCHEELS Secured Visa Card login page?

You can access the SCHEELS Secured Visa Card login page here.

How do people rate the customer service and user experience of SCHEELS Secured Visa Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

How to apply for SCHEELS Secured Visa Card

  • Visit the SCHEELS Secured Visa Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 5:00pm
  • Saturday Closed

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Availability

  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

Cash Advance Fee Minimum $15
Cash Advance Fee (%) 5%
Foreign Currency Transaction Fee 3%
No Annual Fee
Annual Fee $0
Minimum Interest Charge $1.75
Returned Payment Fee Up to $35
Late Fee Amount Up to $40
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 620 -
Cash Advance APR (Variable APR) 27.49%
APR Type Variable APR
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 22.24%
(Verified 09/05/2022)
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 6 months
Balance Transfer APR (Variable APR) 22.24%
(Verified 09/05/2022)
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 5%
Card Type
  • Secured
Card Network Visa

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