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Scheels Credit Card Review

Scheels® Rewards Platinum Edition® Visa® Card
Card Category: Consumer
Card Type: Unsecured
Credit Needed: Excellent / Good Credit
Card Rating:
Yet another visa card has surfaced from the sea of banks, finances, debit and credit cards. And just like any other card, this card has its ups and downs as well. The Scheels Visa Credit card can be considered an average or moderate card in this wide scope. Cards are sought out for different reasons and whatever your reason may be, for online shopping, for school bills or just to keep up with the fad, the Scheels Visa is a credit card to consider, especially if you are new to the whole 'owning-a-credit-card' business. So what are some of the benefits of this particular Visa?

Scheels Credit Card Details


  • Receive 3 points for each $1 of Scheels Purchases posted to the Account.34
  • Receive 1 point for each $1 spent everywhere else.34
  • Receive 1,500 bonus points for the first purchase made outside of Scheels.34
  • Receive a $25 Scheels gift card for every 2,500 points.34


Max. Rewards: 3 points per $134
Sign-up Bonus: You will earn 1,500 bonus points after the first Net Purchase (Outside of Scheels) is posted to the Account34


Purchase Intro APR: 0% (first 7 billing cycles)34
Purchase Regular APR: 19.99%34
Cash Advance Fee: 5%
($15 min)34
Cash Advance Regular APR: 26.24%34
Balance Transfer Intro APR: n/a34
Balance Transfer Regular APR: 19.99%34
Balance Transfer Fee: 5%34
Annual Fee: None34

Scheels Visa Credit Card Benefits

This benefit is sort of becoming a trend in the credit card industry. Just like many other cards, this card has no annual fee. As you probably noticed from the name plastered on the card, this Scheels card is in association with Scheels itself. Therefore, due to this, for every dollar you spend on Scheels purchases, you get three points. There is more, once you get to 2,500 points, you automatically get a 25 dollar Scheels gift card. The card also comes with a 1,500 points bonus for the first card purchase outside of Scheels.

When it comes to rates, the card offers a special financing for 6 months each time you spend 500 dollars or more. The ongoing interest rate is as low as 19.99% on purchases.

Scheels Visa Credit Card Drawbacks

Is it safe to say every silver lining has a cloud? I'm not sure either, but nonetheless, this card has its drawbacks, and one of them comes as an advice. This is not the best choice when it comes to purchasing large or costly items. Despite the reward system, this is considered a bit low, with in-store purchases at 3% and 1% for general purchases. If you do not qualify for a regular credit card and are offered a secured version of the card, you will be required to pay a security deposit to increase your credit card limit at which point the annual fees becomes applicable. Lastly, because this is a platinum visa and not a signature one, it falls short of special services such as replacement in the event of a purchase break or if stolen within 90 days of acquiring it. These are some of the factors to be considered during the application process.

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User Comments about Scheels® Rewards Platinum Edition® Visa® Card

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Think that card should be grate
I've never heard about this card, but it should be the great one./
Good card, with it's pros and cons
I am satisfied with the service and all the other rewards, since I'm a frequent Scheels shopper, but this card had a high rate..
Good card, with it's pros and cons
First - 18.99% rate is high. Second- $15 sign up bonus is a meager. But I am satisfied with the service and all the other rewards, since I'm a frequent Scheels shopper.))