Review: Sheetz Credit Card

sheetz-credit-cardSheetz gas stations & convenience stores, in partnership with First National Bank of Omaha, that gives you an immediate gas discount as well as the ability to earn points toward other rewards. Our overview / review of the card is below:

The Sheetz credit card is a Visa card, meaning that you can use it at Sheetz as well as anywhere else that Visa is accepted (which is almost anywhere). This wide acceptance is a point in the card’s favor — if you’re going to open a new credit card, it’s best to get one that you can use at more than just a few locations. (But note — Sheetz may approve you for an alternate card that is NOT a Visa if your credit history is not good enough! The rewards are similar, but that card is not accepted outside Sheetz and the interest rate is much higher, so make sure you know what you are getting!)


We like the Sheetz Visa’s discounts and rewards, too. You get:

  • 5 cents off every gallon of gas bought at Sheetz with the card (plus another 3 cents off per gallon if you have the MySheetz card for a total of 8 cents per gallon)
  • 5 points per dollar on non-gas purchases at Sheetz
  • 1 point per dollar on all other card purchases.

You can then use the points you earn toward cash back, Sheetz gift cards, travel rewards and more. (NOTE: If you are not approved for the Sheetz Visa and are instead approved for the Sheetz store-only credit card, you will not earn points on purchases outside Sheetz because the card is not accepted anywhere else. In addition, your points can only be used toward Sheetz gift cards; 1,000 points equals a $10 Sheetz Gift Card.)

The Sheetz Visa credit card has no annual fee, and has an interest rate of 15.99%, 17.99%, or 19.99%, depending on your credit history. Those rates range from OK to too-high, but they are not out of sorts for the credit card industry in general. (NOTE: The alternate Sheetz store-only credit card has an interest rate of 24.99%!!! If you EVER cary a balance on your credit cards, steer clear!)

Overall, the Sheetz Visa provides a good value for consumers who are in the habit of paying off their complete card balances each month. You can apply for the Sheetz Visa credit card via .

See also: Store Credit Cards, Instant Approval Credit Cards, Sheetz Credit Card Payment, Login, and Customer Service Information