Last Updated: 07/28/2025
SCHEELS® Visa® Card
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
22.24%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
22.24%(Verified 06/21/2024)
Credit Score Range
Starting at 620
Annual Fee
$0
SCHEELS® Visa® Card Review
This is a rewards card issued by First National Bank of Omaha. If you're wondering whether SCHEELS® Visa® Card is the right card for you, read on.
Key Takeaways
- 1,500 BONUS POINTS after the first purchase made with your card outside of SCHEELS.
- APR: This is not a great card for people who carry a balance. It has a variable regular 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.
- A 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 up to 3% every time you make a transaction outside the U.S.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of SCHEELS Visa Card
| The Good | The Bad |
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SCHEELS Visa Card FAQ
Does SCHEELS Visa Card have a cash back or rewards program?
SCHEELS Visa Card is a rewards card.
| Description |
Does SCHEELS Visa Card have a signup bonus?
Yes. 1,500 BONUS POINTS after the first purchase made with your card outside of SCHEELS.
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?
SCHEELS® Visa® Card provides the following benefits:
What are the relevant APRs for SCHEELS Visa Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower 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?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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 up to 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 customer service number for SCHEELS Visa Card 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 login page for SCHEELS Visa Card?
You can access the login page of SCHEELS Visa Card 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.
Does First National Bank of Omaha perform a hard credit pull?
Yes, SCHEELS Visa Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for SCHEELS Visa Card
- Visit the website of SCHEELS Visa Card.
- 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.
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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