The Scheels Credit Card is a solid option for loyal customers with good credit (700+ credit score) who want to earn Scheels savings with every purchase. There’s no annual fee, and you’ll earn 1 - 3 points per $1 spent (plus opportunities for bonuses), so it’s worth having this card as long as you avoid interest charges. 

What I Like About the Scheels Credit Card

Up to 3 points / $1 spent 

The Scheels Credit Card rewards cardholders with 3 points per $1 spent at Scheels and 1 point per $1 spent on all other purchases. The rewards rate for Scheels purchases is solid, equaling 3% back, but the rewards for other purchases are average at best. 
 

Initial bonus opportunities

To encourage customers to use the card outside of Scheels, the card offers 1,500 points after your first purchase outside Scheels, plus $75 e-gift card when instantly approved online by 6/30/26. This is tiny compared to the best bonuses available from other cards, but it’s definitely better than nothing. It may not be the only bonus you can get, either. Scheels sometimes runs promotions giving new cardholders electronic gift cards, higher earning rates and extra discounts for a limited time. 
 

Low-interest promotion 

New cardholders can get an introductory APR of 0% for 6 months. If you’re planning to make a big-ticket Scheels purchase that will take months to pay down, this could help you save a bunch of money on interest. 
It’s not the longest 0% period available, though. If you need longer to pay off your planned purchase, check out our editors’ picks for the best 0% APR credit card offers. 
 

No annual fee

There’s a pretty big selection of credit cards without annual fees available at the moment, but that does not discount the value of this feature on the Scheels Card. According to our unparalleled database of 1,500+ credit card offers, not having to pay an annual fee on the Scheels Card saves you $28.25 per year compared to the average alternative. Your annual fee savings also go up several times if you’re comparing the Scheels Card to some premium cards. 

What I Don’t Like About the Scheels Credit Card

High regular APR

The savings available from the Scheels Credit Card’s rewards will evaporate if you don’t pay the bill in full every month. Carrying a balance from month to month unleashes the card’s expensive interest rate, which is several times higher than its rewards rate. So, if you decide to apply, you may want to set up automatic monthly payments for your full statement balance. 
 

Limited redemption opportunities 

The points you can earn with this card are good only for Scheels store credit. You’ll get a $25 Scheels gift card for every 2,500 points you earn. Being a repeat customer is therefore a must if you want to actually use what you earn with this card.  
 

Good credit required

Since the Scheels Credit Card requires good credit, we estimate that you’ll need a credit score of 700 or higher to have good odds of getting approved. You can check your credit score for free right here on WalletHub to get a feel for your chances. 

It’s important to remember that if you have a high enough score to qualify for this card, you should have a good shot of getting approved for some of the best credit cards on the market right now. So, you may want to consider your options a bit more. 

If your score is lower, you too still have plenty of options. Most other retailer-affiliated credit cards require just fair credit or better, and there are plenty of alternatives for building or rebuilding credit as well.