Sporting goods are pricey; that’s just a fact of life. Whether you’re out looking for sports equipment or even just sports apparel, you can expect to dish out the dollars if you want good quality. Of course, credit cards always help in this department; but if you’re out to buy sporting goods, might as well use a credit card specifically from a sporting goods store. Scheels offers a credit card specifically for this purpose, and if you happen to constantly find yourself at this store, it might be time to get this credit card. Here are 10 benefits you can take advantage of as a Scheels credit card holder.
1. Rewards system
The Scheels credit card is actually a rewards card. You can get 3 points for every $1 you spend at Scheels, and you can earn 1 point for every $1 you spend everywhere else. The fact that you can still accumulate points outside of Scheels is a great plus. You’ll receive a $25 gift card for every 2,500 points.
2. Bonus points
After you make your first purchase outside Scheels, you’ll get 1,500 bonus points added onto your account. That’s a huge chunk of points you get no matter how much you spend. Just another 1,000 more points in addition to that and you can redeem your gift card.
3. No annual fee
You’ll never have to worry about paying any annual fees when you’ve got the Scheels credit card in your wallet. Annual fees are truly no more than a hassle, and many store credit cards still charge it. With the Scheels credit card, all of your available credit can be allotted towards spending—not for any annual fees.
4. Cash advance
Not many store credit cards out there allow you to take out cash advances. Although the fee may be high at 5% (or $15 minimum), you can take out some cash with your Scheels credit card. This can be especially useful when you’re just in dire need of cash and have no other option but your credit card.
5. Intro APR
Scheels offers a zero percent purchase intro APR—something that you can enjoy for the first seven billing cycles. This means that you won’t accumulate any interest for the first seven months of your purchase. After this time, you’ll be responsible for all the interest, so make sure that you pay off your purchase completely to avoid an interest fees.
6. Balance transfer
Apart from the fact that this is a rewards card and it allows you to take out cash in advance, the Scheels credit card is also a balance transfer card. You can consolidate some of your credit card debts into this one card, making it easier to pay off your credit cards completely.
7. Special financing
Scheels occasionally offers special financing for its credit card holders. When you spend $500 or more on a single purchase, you can get 6 months of low interest rate. The current rate is as low as 19.99%, but this can be lower. To save a little bit of money, you can time your big purchase when the interest rate is extremely low.
8. Credit requirement
You don’t need to have excellent credit in order to have a Scheels credit card. For most applicants, a good credit score should suffice. However, there are instances where applicants with average credit scores have been approved. It’s all about timing it seems like; and if you’re in the process of rebuilding your credit, your chances of getting approved should be higher.
9. Quick decision
The application process for a Scheels credit card is fairly simple. You can simply go online to get it done. The decision time is also very short; you should know by the end of your application if you qualify for a credit card or not. There’s no need to wait a while to find out.
10. Visa benefits
There are many benefits to having a Visa card, and Scheels happen to be one. Aside from global use, you’ll also get excellent cardholder customer service. Travel, emergency, and auto rental assistance are also typical. While these are general Visa benefits, you should still contact Scheels to make sure that these benefits are available to you before you expect them.