Outdoor enthusiasts know that quality gear doesn't come cheap. Whether you're gearing up for hunting season, stocking up on camping essentials, or treating yourself to new golf clubs, the costs add up quickly. That's where the Scheels Visa credit card steps in, offering a rewards program tailored specifically for passionate outdoor adventurers who shop at this Midwest sporting goods giant.
But here's the thing – not all store credit cards are created equal. The Scheels Visa card stands out with its automatic redemption system, multiple card tiers, and the ability to earn rewards on purchases everywhere, not just at Scheels. Let's dive into whether this card deserves a spot in your wallet alongside your other travel rewards credit cards.
Understanding the Scheels Credit Card Lineup
Scheels actually offers three different credit cards, each designed for different spending levels and credit profiles:
1. Scheels Visa Card (Standard)
- Annual Fee: $0
- Rewards Rate: 3 points per dollar at Scheels, 1 point per dollar everywhere else
- Sign-up Bonus: 1,500 bonus points ($15 value) after first non-Scheels purchase
- Special Offer: Through January 5, 2025, instant online approvals receive a $100 electronic gift card
2. Scheels Premier Edition Visa Card
- Annual Fee: $0
- Rewards Rate: 5 points per dollar at Scheels, 1.5 points per dollar everywhere else
- Qualification: Must spend $25,000 or more annually on your standard Scheels Visa card
- Automatic Upgrade: You can't apply directly – it's earned through high spending
3. Scheels Secured Visa Card
- Annual Fee: $35
- Rewards Rate: 3 points per dollar at Scheels, 1 point per dollar everywhere else
- Security Deposit: $500 to $5,000 (in $50 increments)
- Purpose: Build or rebuild credit while earning rewards
How the Passion Points Rewards System Works
The Scheels rewards program uses "Passion Points" – and yes, they chose that name to align with their "Fuel Your Passion" brand message. Here's what makes this system unique:
Point Value: Each Passion Point equals 1 cent
Automatic Redemption: This is where Scheels differs from most store cards. At the end of each billing cycle, you automatically receive a $25 Scheels gift card for every 2,500 points earned. No logging into portals, no forgetting to redeem – it just happens.
Redemption Options:
- Physical gift cards mailed to you
- Digital gift cards for immediate use
- Can accumulate up to $1,000 in gift cards at one time
No Expiration: Your points don't expire as long as your account remains open
This automatic redemption feature solves one of the biggest problems with store credit cards – forgotten rewards. Unlike cards that require manual redemption (looking at you, most cashback credit cards), Scheels ensures you'll actually use what you earn.
Maximizing Your Scheels Card Rewards
Want to squeeze every bit of value from your Scheels card? Here's your game plan:
Stack With Sales and Promotions
Scheels frequently runs sales on specific categories. Time your big purchases during these events while using your card to double-dip on savings. Their "MySCHEELS Days" events often feature bonus point opportunities when you use the card.
Use the Mobile App
The Scheels shopping app sometimes offers double reward points on select items when used with your Scheels Visa card. It's worth checking before any major purchase.
Consider the Premier Upgrade Path
If you're a serious Scheels shopper, strategically working toward that $25,000 annual spend threshold makes sense. The jump from 3% to 5% back at Scheels is significant for frequent shoppers. Plus, the everywhere-else rate increases from 1% to 1.5%.
Combine With Other Cards
For non-Scheels purchases, you're better off using cards like the Capital One Venture X for travel (2X miles) or the Capital One Savor for dining and entertainment (4% cash back). Save your Scheels card primarily for Scheels purchases where it shines.
Card Benefits Beyond Rewards
While the rewards program gets top billing, the Scheels Visa includes some additional perks:
Purchase Protection
Nearly every item purchased with the card is protected against theft or accidental damage at no extra cost. This is particularly valuable for expensive outdoor gear.
Extended Warranty
Items get up to 12 additional months of coverage past the manufacturer's U.S. warranty. Considering the price of items like firearms, optics, and electronics at Scheels, this benefit alone could save you hundreds.
Free FICO Score Access
Monitor your credit health with free FICO score access through your online account or mobile app.
Digital Wallet Compatibility
Add your card to digital wallets for tap-and-go payments – handy when you're juggling gear at checkout.
The Application Process and Requirements
Applying for the Scheels Visa card is straightforward, but there are a few things to know:
Where to Apply:
- Online at scheels.com/visacard
- In-store at any Scheels location
- Through the FNBO website
Credit Requirements: The card is available for credit scores ranging from below 619 to 720+, making it more accessible than premium travel cards. However, your credit score will impact your interest rate and credit limit.
Scheels Account: While not required for the Secured Visa, having a free Scheels account streamlines the application process for the standard cards.
Comparing to Other Retail Cards
How does the Scheels card stack up against other sporting goods store cards?
Bass Pro Shops CLUB Card:
- 5% back at Bass Pro and Cabela's
- 2% back on gas and restaurants
- 1% back everywhere else
- No annual fee
Dick's Sporting Goods ScoreCard:
- 2 points per dollar at Dick's (roughly 2% back)
- No rewards on other purchases
- No annual fee
The Scheels card's ability to earn rewards everywhere gives it an edge over Dick's, while the automatic redemption system eliminates the hassle factor present with many store cards. However, Bass Pro's gas station rewards might appeal more to road-tripping outdoors enthusiasts.
Interest Rates and Fees to Consider
Like most store credit cards, the Scheels Visa carries higher interest rates than general-purpose cards:
APR: Variable rate based on creditworthiness
Late Payment Fees: $29 for first late payment, $40 for subsequent late payments within six billing cycles
Cash Advance Fee: $15 or 5% of the transaction amount, whichever is greater
Foreign Transaction Fees: Check current terms, as these weren't specified in available information
The high interest rates mean this card should only be used if you can pay your balance in full each month. Carrying a balance will quickly erase any rewards value.
Who Should Consider the Scheels Credit Card?
The Scheels Visa makes sense for:
Frequent Scheels Shoppers
If you're already spending hundreds or thousands annually at Scheels, the 3% base rate (or 5% with Premier) provides solid value on purchases you're making anyway.
Gear Enthusiasts Building Credit
The Secured Visa option offers a path to build credit while earning rewards – rare among secured cards. The $35 annual fee is reasonable for credit building.
Hunters and Seasonal Sports Participants
The automatic gift card redemption aligns well with seasonal shopping patterns. Earn throughout the year, then use accumulated gift cards for hunting season or summer camping gear.
Who Should Skip It?
This card isn't ideal for:
Rewards Optimizers
If you're already juggling multiple rewards cards, the 1% everywhere-else rate won't excite you. Cards like the Chase Freedom Unlimited offer better flat-rate rewards.
Infrequent Scheels Shoppers
Without regular Scheels purchases, you won't earn enough to make the card worthwhile. Consider a general cashback card instead.
Travel Hackers
While outdoor adventures and travel often overlap, dedicated travel rewards cards offer better value for flights, hotels, and travel purchases.
Mobile App and Account Management
Account management happens through two channels:
FNBO Mobile App
Available for iOS and Android, the app handles all credit card functions:
- Check balances
- Make payments
- View transactions
- Set up alerts
- Access your FICO score
Scheels Shopping App
This separate app handles shopping and special offers but can display your rewards balance when linked to your credit card account.
User reviews are mixed on the FNBO app, with some reporting login difficulties. However, the core functionality works reliably once set up.
Making the Most of Limited-Time Offers
That $100 electronic gift card offer (through January 5, 2025) deserves special attention. Here's how to maximize it:
- Apply online for instant approval eligibility
- Use the gift card on your first purchase – it's only valid for initial transactions
- Stack with a sale if possible to stretch that $100 further
- Check for bonus point promotions during your first purchase
This welcome offer essentially gives you a 3,333-point head start (at 3 points per dollar spent at Scheels).
Strategic Card Combinations
Smart cardholders pair their Scheels card with complementary cards for maximum rewards:
For Travel: Capital One Venture X or Chase Sapphire Preferred For Dining: Capital One Savor (4% on dining and entertainment) For Everything Else: Capital One Quicksilver (1.5% on all purchases)
This strategy ensures you're earning optimal rewards across all spending categories while maximizing your Scheels purchases.
Recent Updates and Changes
The credit card landscape constantly evolves, and Scheels has made some notable updates:
- Introduction of the Premier Edition tier for high spenders
- Enhanced mobile app functionality
- Special promotional periods with bonus gift card offers
- Improved digital wallet integration
Stay informed about changes by following Scheels' social media channels and checking your account notifications regularly.
Bottom Line: Is the Scheels Credit Card Worth It?
The Scheels Visa card fills a specific niche well. For dedicated Scheels shoppers who can pay balances in full monthly, it offers straightforward value with minimal hassle. The automatic redemption system removes the complexity found in many rewards programs, while the no-annual-fee structure keeps it accessible.
However, it's not trying to compete with premium travel cards or high-earning cashback options. Think of it as a tool to save money at a store you already love, not as a primary rewards vehicle for all your spending.
If you're ready to start earning Passion Points on your outdoor gear purchases, you can apply online at scheels.com or visit your local store. Just remember – the best rewards card is one that aligns with your actual spending patterns, not theoretical maximization strategies.
For more insights on maximizing your credit card rewards across all categories, check out our guide to building a complete credit card strategy or explore how travel rewards can fund your next outdoor adventure.
