Scheels Credit Card: Reviews, Fees, Login, Benefits, Apps & Alternatives

If you are a Scheels shopper that the Scheels Credit Card will be suitable for you. For the customers of Scheels they are offering variety of benefits. You can get 3 points on every purchase you make at Scheels store. In addition, can earn 1 point on every purchase you make at any other store. To earn points you are not bound to shop only at Scheels shop. Other features of Scheels Card include that when you reach up to 2500 points they will send you a gift card of $25. All the process is automatic you do not need to look after the points. They do all the monitoring process by themselves.

They provide you with the opportunity to customize your Scheels Credit Card; you can select the design of the card as per your choice. You can monitor your card’s monthly statement by accessing your account online.

First Guard Zero Liability is the great feature provided by Scheels Visa Credit Card. This will save you from any of the fraudulent attempt using your card. This will secure you from paying for the items and services that are not received by you. If you are not having excellent credit, even then this card is suitable for you. You can easily build your credit score by using this card.

Rates and Fees

Some of the rates and fees are mentioned below:

  • The Annual fee is $0.
  • The rate of Purchase APR is 20.99% variable.
  • The range of the credit score recommended is from 620 to 850.

Credit Card Features

If you are having a Scheels Credit Card then you should know the benefits offered by the card. The features of the cards are as follow:

  • At any Scheels store, you can earn 3 points on spending $1 on making every purchase.
  • Outside the Scheels store, you can earn 1 point on spending $1 on making every purchase.
  • When you reach up to 2500 points, they will send you a gift card of $25 automatically.
  • On earning 1 point, you are $0.01 credit near to the Gift Card.
ProsCons
There is a Google app for Scheels
card, which you can download
free. By using this app, you can
easily manage the Scheels account,as this is a secure platform. You can download it for both Android and
Apple devices.
As this is a Platinum Visa Card, so it is not providing special services for you. If you take an example, they
will not provide your any
replacement services if your card is not used properly or facing any
fraud in the first 90 days.
First National Bank of Omaha
issued you with the card, which is
famous for its excellent customer
service and serving it customers
nicely.
The interest rate is very high that is 18.99%, the only option to improve
is to raise your credit rating it will
affect you in a positive sense.
If you are managing your card
responsibly then it will help you tobuild your credit.
The purchase rewards offered by
Scheels Visa are very low; you will
get only 3% while making
purchases in-store and 1% on
making purchases outside the
store.
The process of application is quite
easy and the response is very
sudden.
The signup bonus is 1500 points,
which is insufficient.
You will receive a gift card of $25,
which you will get as a surprise.

Who Should Not Use This Credit Card?

  • As it might be surprising for you to know that Scheels Card is possibly not the best option to have for the hunters, fishermen and sports passionate.
  • If you are making a small purchase then this card is fine for you and you can make your payments easily, but If you want to make large purchases then surely this card will not suit you to buy costly items that include guns, boats, tents, exercise machines and other like this.
  • Because of the high-interest rates and the low rewards program, they are offering you have to pay more for the item that is not worthy. It’s better for you to buy these items by using cash or with your regular credit card that are offering you with better rewards and interest rates than the Scheels Card.

Also Read: Rooms To Go Credit Card: Reviews, 5 Ways to Pay Your Card Payment

Benefits Of The Scheels Visa

If you are a Scheels Credit Card user then you should know the benefits offered by the card. Have a look on the points given below:

  • The Annual Fee is None.
  • You can earn points as a bonus by purchasing in-store items and making other general purchases.
  • In the first 6 months 0% APR is charged on you on the purchases you make of at least $500 or more than that.
  • The overall APR is 18.99%.

The unsecured card is same as this card but you have to pay $35 annual fee for this card.

In addition to this if you have choose the secured version of the card then you have to pay the security deposit in a range of $550 – $5,000 with an increment of $50. By using the secured card, you can easily raise your credit rating.

Moreover, if you will make your payments on time then you can be eligible for the unsecured card within a year and can refund your security deposit as well.

After being accepted for an unsecured card, you do not have to pay an annual fee in the longer run.

Scheels Credit Card Login

If you are done with the application procedure then soon you will receive your Scheels Credit Card. After receiving your card you can create your account for online access. You can easily make payments online and check your balance any time anywhere by just accessing your account. Below are the steps to login your Scheels Credit card account. Follow each step to access your account.

  • If you are in search of accessing your account then go through the link www.firstbankcard.com/scheels/ for direct access.
  • On the left side of the page, you will see a sign in the box where you have to enter the details to log in your account.
  • In the first step, you have to provide the login of your online bank account in the given space. Next, you have to tap on the Login button in red.
  • Now on the next page, you will see a picture and you have to enter your password of the account, which you have selected before. After entering the password in the given field you have to click on the submit button.
  • After going through all the steps mentioned above you will easily access your account to manage your card’s account activity.

Scheels Credit Card Payment

After all the purchases you make using your credit card next you have to make payment for your Scheels Credit Card. You have to make your payments in the given time. The grace period for making your payments is 23 days. If you are interested in knowing that how we can make our payments using the credit card then move your cursor down for complete details.

First Bankcard is providing their customers with variety of methods to make their payment for the credit card they are using. The easiest and the first method is to make your payments online. For this you have to login your account which you can do it by using the process defined above. After accessing your account you can pay for the Scheels Visa Credit Card.

If you can’t access your account in any case then you can go for another method i.e. you can pay using your phone. For this you can use the customer service number i.e. 1-888-295-5540. Keep in your mind that you can make payments only on the working days before 5:00 p.m. to make your payment be counted on that respective day.

And the third method is to make your payment by using the mailing address. You can you’re your payment on the address given below.

Bankcard Payment Processing
1620 Dodge Street
Omaha, NE 68197-2210.

If you are in hurry and want to send your mail late at night then you can use the following mailing address for this.

Bankcard Payment Processing
1620 Dodge Street
Omaha, NE 68197-2210.

First Bankcard is also providing its customers with an automatic payment feature for the convenience of their customers.

Scheels Credit Card Application

If you are in favour of Scheels Credit Card after knowing all the benefits and rewards of the card then you can apply for the card by submitting the application online. Before applying for the card, you should know the criteria. To know the complete procedure of application go through the steps given below.

  • If you are in search of accessing your account then go through the link www.scheels.com/visacard.html for direct access.
  • On the top of the page, you will see the menu option. From the list of the options, you have to select the Scheels Visa option. Then click on it.
  • By selecting this option you will access Scheels Credit Card. You will get all the information about your card on that page. If you are ready to accept the terms and conditions then you have to click on the red button of Apply Now.
Scheels Credit Card Application
  • In the next page, you will come to know that if you are already registered user only then you can apply for Scheels Visa Credit Card. However, if you already have an account then by using the process of login defined above. If you do not have an account then you can tap on the register button.
Scheels Credit Card Application
  • Next, provide the information required to fill the form.
Scheels Credit Card Application
  • Now you have to choose the products in which you are interested.
  • Next, you have to confirm your email address.
  • If you have gone through the process mentioned above then you are eligible to apply for the card. Now you have to enter the details required to fill the application form.
Scheels Credit Card Application
  • After providing all the requirements, you have to read the terms of use.
  • Now check the box if you are agreed with the terms and conditions and then click on continue button.
  • Next, you have to submit the application for Scheels Credit Card. You will receive the answer to the application in a few seconds; sometimes you will get a response in a week.

Also Read: Fashion Bug Credit Card: Reviews, Complaints, Fees, Login & Alternatives

Mobile Applications

  • For Android

Android customers can use this link to download mobile application:
https://play.google.com/store/apps/details?id=com.firstnational.scheels&hl=en_US

  • For IOS

IOS customers can use this link to download a mobile application:
https://itunes.apple.com/us/app/scheels-visa-card/id844282103?mt=8

Scheels Credit Card Alternatives

As you have seen above that this card is offering you a variety of amazing features for their regular customers. However, the features are not as extraordinary as Uber Credit Card and Peebles Credit Card. Below we are comparing Scheel’s card with some different cards have a look below. Then go for the card, which is suitable for you.

Scheels Visa Credit Card vs U.S. Bank Visa Signature

If we try to compare these two credit cards then definitely the credit card from U.S. Bank is better than Scheels Visa credit card. In order to get the U.S. Bank Visa Signature Credit card you must have at least $720 credit. You can enjoy abundant bonuses with this card only if you can afford to carry it as compared to the Scheels Visa Credit Card.

On occasionally, the user of Scheels Credit Card can get 5% cash back. Whereas, the U.S. Bank give 5% cash back based on two categories (user can select them on every quarter). If you somehow reached to the maximum limit of rewards in those categories per quarter than you will get per quarter $100 in cash back. You can get $400 per every year from 5% categories only. In addition to this, user can get cash back of 2% on daily categories and 1% cash back on any other thing.

The Scheels Visa Card provides financing purchases higher than $500 for the period of 7 long months. Whereas, the card of U.S. Bank gives APR period on balance transfers with a 12 month intro. In simple words, if you have pending debt left that you can repay within the period of 1 year, 12 months to be exact than what you can do is you can transfer it to this credit card and clear your debt by paying it without paying the interest rate.

Similarly, the U.S. Bank credit card provides a welcome bonus of $50 to its users. Whereas, the U.S. Bank Visa Signature Card gives a sign-up bonus of $150 to its users. This is no doubt a wonderful offer given to its users. Unluckily, the U.S. Bankcard beats Scheels Visa in almost all the aspects. Grab and must try the U.S. Bank Visa Signature only if you can afford it.

Frequently Asked Questions

  • Q: What is the rate of APR charged to you for Scheels credit card?

As this is already mentioned above that, the interest rate is 20.99%, which is fixed. However, if you miss any payment then it may result you to pay a penalty, which is slightly higher then, this.

  • Q: What kind of rewards offered by Scheels credit card?

Some of the various benefits offered by the card include shopping rewards,
financing options and other different types of benefits of the credit card.

  • Q: From which bank the Scheels Credit Card is issued?

First Bankcard issues Scheels Cards. The other name for this bank is First National Bank of Omaha. It is the third largest company, which issues the credit cards after the Comenity and Synchrony banks.

  • Q: Where can I use my Scheels Visa credit card?

As this is a Visa card so you can use it where the Visa card is accepted.

  • Q: How can I log in to my Scheels credit card account?

You can easily access your credit card account. All you have to do is to provide the login credentials in the given space by visiting the website.

  • Q: How can you alter the name on Scheels Visa credit card?

If you want to alter the name present on your Scheels Visa Card then for this purpose you have to use the customer care service i.e. 888-295-5540.

  • Q: How can you cancel your Scheels Credit Card?

The only method to cancel your Scheels Visa Credit Card is by contacting the
customer care service by dialling the number i.e. 888-295-5540 and you have to ask the agent to terminate your credit card of Scheels.

  • Q: How can you apply for the Scheels credit card?

One of the best things about this credit card is that you can complete the application process online. To know the application process you can read the process mentioned above.

  • Q: What credit score you need for the Scheels Credit Card?

There must be a credit score of at least 620. But we recommend you to have at least 680 points for your Scheels Credit Card. If not then you should go for the the secured card.

  • Q: How can you make payment for Scheels Credit Card?

First Bankcard is providing their customers with variety of methods to make their payment for the credit card they are using. You can pay online, using your phone or by mail address. They provide an automatic payment feature for the convenience of their customers.

  • Q: How can you pay for Scheels Visa Credit Card using your phone?

You can pay using your phone. For this you can use the customer service number i.e. 1-888-295-5540. Keep in your mind that you can make payments only on the working days before 5:00 p.m. to make your payment be counted on that respective day.


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