10 Advantages of Owning a Scheels Credit Card

It’s a well-known fact that sporting goods can come with a hefty price tag. Whether you’re in the market for sports equipment or apparel, you can expect to pay top dollar for quality items. While credit cards can certainly help in this department, consider a credit card from a sporting goods store like Scheels. As a frequent shopper at Scheels, their credit card may be worth considering. Here are ten benefits that you can enjoy as a Scheels credit cardholder.

1. Rewards system

The Scheels credit card operates as a rewards card that allows you to earn 3 points for every $1 spent at Scheels. Furthermore, you can accumulate 1 point for every $1 spent at other locations, which is a fantastic feature. It’s worth noting that you can still earn points even outside of Scheels. Once you’ve reached 2,500 points, you’ll be rewarded with a $25 gift card.

2. Bonus points

Once you make your initial purchase outside of Scheels, you will receive an impressive 1,500 bonus points credited to your account, regardless of your expenditure. This is a significant amount of points that you can earn. Moreover, you only need to accumulate an extra 1,000 points to redeem your gift card.

3. No annual fee

With the Scheels credit card, you won’t have to worry about paying any annual fees. Unlike many store credit cards that still charge annual fees, the Scheels credit card allows you to allocate all of your available credit towards spending, making annual fees nothing more than a hassle.

4. Cash advance

If you find yourself in a situation where you urgently need cash and have no other options available, Scheels credit card offers a solution. Even though the fee may be high at 5% (or $15 minimum), you can take out cash advances with this store credit card. It’s worth noting that not many store credit cards allow cash advances, making Scheels credit card a convenient option in such situations.

5. Intro APR

At Scheels, you can take advantage of a tempting offer of a zero percent purchase intro APR. This offer lasts for the first seven billing cycles, allowing you to make purchases without incurring any interest charges for up to seven months. However, it is important to remember that interest charges will apply after the introductory period. Therefore, it is crucial to pay off your purchase in full before the end of the seven months to avoid any interest fees.

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6. Balance transfer

Not only is the Scheels credit card a rewards card and enables cash advances, it also functions as a balance transfer card. This means that you can transfer some of your credit card debts onto this card, simplifying the process of paying off your credit cards in full.

7. Special financing

At times, Scheels extends exclusive financing options to its credit card holders. By making a single purchase of $500 or more, you can avail a low interest rate for a period of 6 months. The ongoing interest rate is as low as 19.99%, but it can go even lower. To maximize your savings, you can plan your big purchase when the interest rate is at its lowest.

8. Credit requirement

Having a Scheels credit card does not necessarily require an excellent credit score. In fact, a good credit score should suffice for most applicants. Although there have been cases where applicants with average credit scores have been approved. It appears that timing plays a crucial role in the application process. If you are currently rebuilding your credit, your chances of getting approved may be higher.

9. Quick decision

Getting a Scheels credit card is a breeze with a straightforward application process that can be easily completed online. Moreover, the decision period is incredibly short; upon application submission, you will be informed promptly if your credit card request is approved or declined. No need to wait for an extended period to get the outcome of your application.

10. Visa benefits

Owning a Visa card comes with a plethora of benefits, and Scheels is no exception. Along with the convenience of global usage, cardholders can also enjoy top-notch customer service. Additionally, travel, emergency, and auto rental assistance are just a few of the many perks that Visa offers. However, it is important to note that these benefits may vary depending on the specific card and its terms. To ensure that you are eligible for these benefits, it is advisable to contact Scheels beforehand.

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MBS Staff
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