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  SCHEELS® Visa® Card
SCHEELS® Visa® Card Unaffiliated

SCHEELS® Visa® Card

Unaffiliated
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Highlights
Purchase APR  (Variable APR) 22.24%
Balance Transfer APR  (Variable APR) 22.24%
Credit Score Range Starting at 620
Annual Fee $0

SCHEELS® Visa® Card Review

This is a rewards credit card issued by First National Bank of Omaha. If you're wondering whether SCHEELS Visa Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

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.
  • 5% Balance transfer fee. SCHEELS® 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.
  • Fair or better credit required. You will have good approval odds if your credit score is above 620.

Pros & Cons of SCHEELS Visa Card

The Good The Bad
  • No annual fee.
  • Considers applicants with fair credit.
  • 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%.
  • Does not report to credit bureaus.
  • Charges a 5% balance transfer fee.
  • Does not include many credit card benefits.

SCHEELS Visa Card FAQ

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

SCHEELS Visa Card is a rewards card.

SCHEELS Visa Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A

Does SCHEELS Visa Card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does SCHEELS Visa Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the SCHEELS Visa Card benefits?

It provides the following benefits:

What are the relevant APRs for SCHEELS 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® 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 Visa Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does SCHEELS 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 Visa Card?

The following fees apply:

SCHEELS 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 rewards card.

Does SCHEELS Visa Card have a foreign transaction fee?

SCHEELS 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 Visa Card?

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

What is the support contact email for SCHEELS Visa Card?

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

What is the SCHEELS Visa Card login page?

You can access the SCHEELS Visa Card login page here.

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

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

How to apply for SCHEELS Visa Card

  • Visit the SCHEELS 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

Other Services by First National Bank of Omaha

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View all credit cards offered by First National Bank of Omaha

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Cash Advance Fee Minimum $15
Cash Advance Fee (%) 5%
Minimum Cash Advance Fee ($) $15
Foreign Currency Transaction Fee 3%
No Annual Fee
Annual Fee $0
Minimum Interest Charge $1.75
No Interest Grace Period for Late Payment 21 days
Returned Payment Fee Up to $35
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
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 -
Credit Card Benefits Purchase Protection
Bonus Offer 1,500 BONUS POINTS after the first purchase made with your card outside of SCHEELS.
Rewards Categories
  • 1x Point on Every Purchase
  • 3x Points on In-Store Eligible Purchases
Cash Advance APR (Variable APR) 27.49%
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 22.24%
Balance Transfer APR (Variable APR) 22.24%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 5%
Card Type
  • Rewards
Card Network Visa

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