Who Issues the Scheels Credit Card

The Scheels Visa Credit Card is issued by First National Bank of Omaha, through its First Bankcard co brand division, under a license from Visa U.S.A. Inc. A secured version, the Scheels Secured Visa, is also issued by FNBO.

FNBO issues the Scheels Visa on behalf of Scheels, the employee owned sporting goods retailer, as part of the First Bankcard co brand partnership program. The card earns rewards redeemable at Scheels stores and can be used anywhere Visa is accepted. Apply at scheels.com or in any Scheels store.

Scheels is an employee owned sporting goods retail chain headquartered in Fargo, North Dakota, operating large format stores across the central United States. It partners with FNBO First Bankcard division for its credit card program, as listed on the official FNBO Scheels card page.

FNBO manages the entire credit lifecycle for the Scheels card, from initial application through ongoing statements, rewards tracking, and any eventual account closure or upgrade.

Who Issues the Scheels Credit Card?

First National Bank of Omaha issues the Scheels Visa Credit Card through its First Bankcard co brand division, meaning FNBO runs the credit check, approval decision, and ongoing account management.

This means when you apply for a Scheels card, FNBO handles the entire financial relationship behind the scenes, even though the card carries Scheels branding and earns Scheels specific rewards.

You can log in to manage your Scheels card account through the official FNBO First Bankcard hosted portal. The phone number on the back of the card connects you directly to FNBO customer service for Scheels cardholders.

What Are the Scheels Credit Card Options?

Scheels offers a Visa branded card that can be used anywhere Visa is accepted, earning rewards on both Scheels purchases and everyday spending elsewhere.

FNBO also issues a Scheels Secured Visa for applicants who may not qualify for the standard unsecured version, requiring a cash deposit to open the account and build credit responsibly.

Rewards earned through the Scheels card typically redeem as Scheels gift cards, giving cardholders a direct and simple path to save on future purchases at the retailer.

Scheels stands out among First Bankcard partners as one of the few sporting goods retailers to offer a dedicated co branded card, alongside the more common travel and department store partnerships FNBO typically handles.

What Is FNBO First Bankcard?

First Bankcard is the co brand credit card division of First National Bank of Omaha, responsible for partnering with retail, travel, and entertainment brands like Scheels to issue credit cards under those partner names.

This structure lets a retailer like Scheels offer a credit card without building its own banking infrastructure, relying instead on FNBO long established card issuing operation and expertise.

Some Scheels card promotions include bonus rewards during seasonal sales events, giving frequent shoppers additional value beyond the standard everyday earning rate.

Scheels Card Vs FNBO Cards Generally: How Do They Compare?

The Scheels card is one of many partner brands issued through FNBO First Bankcard division, which also issues cards for numerous other retail, travel, and automotive brands.

Compared to FNBO own directly branded cards, the Scheels version is specifically structured around Scheels rewards and shopping benefits rather than general purpose FNBO branding.

Frequent Scheels shoppers, especially those buying outdoor and sporting goods regularly, will find more value in the store specific rewards than a general purpose cash back card.

Cardholders who upgrade from the secured version to the standard unsecured card after a period of responsible use typically see their security deposit returned once the account transitions.

What Credit Score Do You Need for the Scheels Card?

The standard Scheels Visa typically requires fair to good credit for approval, while the Scheels Secured Visa provides a path for applicants with limited or rebuilding credit through a required cash deposit.

Applying triggers a hard inquiry on your credit report, which may temporarily lower your score by a few points. Checking for a prequalification option before applying can give you a sense of your approval odds without a hard pull.

Scheels employee ownership structure sets it apart from many national retail chains, and its credit card program reflects the same community focused approach the company applies to its store locations.

Frequently Asked Questions

Is the Scheels Credit Card issued by Comenity?

No. The Scheels Credit Card is issued by First National Bank of Omaha through its First Bankcard division, not by Comenity or Bread Financial, which issue cards for many other retailers.

Does Scheels offer a secured credit card?

Yes. FNBO issues a Scheels Secured Visa for applicants who may not qualify for the standard unsecured card, requiring a cash deposit to open the account and build credit history.

How can I talk to Scheels Credit Card customer service?

Cardholders can call the number on the back of their card to reach FNBO First Bankcard directly, or visit the official Scheels card page on FNBO website for general information.

What’s the Scheels Credit Card payment address?

FNBO provides a mailing address for Scheels card payments on each monthly statement. Always confirm the current address on your latest statement before mailing a payment.

What are the requirements to get the Scheels credit card?

Applicants generally need to be at least eighteen years old, have a valid Social Security number, a US mailing address, and enough income to cover monthly payments, along with fair credit for the unsecured version. A full breakdown of what issuers typically look for is covered by the Consumer Financial Protection Bureau.

How do I make a Scheels Credit Card payment?

Scheels cardholders can pay online through the FNBO First Bankcard hosted portal, by mail using a check sent to the address on the statement, or in person at any Scheels store register.

How do I make a Scheels Credit Card payment by phone?

Cardholders can call the number on the back of their card to reach the automated FNBO payment line, and a live representative is also available during business hours for help completing the payment.