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Sheetz Visa Credit Card Review

Sheetz Visa Credit Card Review

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This article was last updated Apr 10, 2019. Terms and conditions may have changed. For the most accurate information, please consult the issuer website.

Sheetz describes their stores as a “kicked-up convenience store [that’s] a mecca for people on the go.” Open 24/7 year-round, customers can go to their local Sheetz anytime to gas up at low prices and/or grab a bite to eat and choose from a selection of high-quality, made-to-order foods and an espresso bar.

Sheetz provides a credit card for frequent customers who want to save on gas and earn rewards on in-store purchases — the Sheetz Visa® Credit Card. With a $0 annual fee and Sheetz-specific perks, loyal Sheetz customers may want to consider opening this card.

Note: Sheetz stores are only located in Pennsylvania, Maryland, Virginia, West Virginia, Ohio, North Carolina.

We’ll review the benefits and potential setbacks of the Sheetz Visa® Credit Card, and provide alternative cards for gas purchases.

What we like about the Sheetz Visa® Credit Card

5 cents off per gallon at any Sheetz location. When you gas up at Sheetz, you instantly receive 5 cents off per gallon with your Sheetz Visa® Credit Card. And, if you’re a part of the MySheetz Card® loyalty program, you can increase that to 8 cents off per gallon.

5 points per dollar spent in-store at Sheetz locations. When you make purchases inside Sheetz locations, such as coffee and sandwiches, you earn a high 5 points per dollar with the Sheetz Visa® Credit Card.

If you don’t qualify for the Sheetz Visa® Credit Card, you may qualify for the Sheetz Personal Credit Card. The Sheetz Personal Credit Card is a store card, meaning it can only be used at Sheetz locations. The ability to qualify for this store card is helpful for applicants who may not meet the approval requirements of the Sheetz Visa® Credit Card. Plus, the Sheetz Personal Credit Card still offers 5 cents off per gallon at any Sheetz location and earns 5 points per $1 on Sheetz in-store purchases (excluding Sheetz fuel and car wash purchases).

What we don’t like about the Sheetz Visa® Credit Card

20.99%-26.99% variable APR. The Sheetz Visa® Credit Card comes with a high 20.99%-26.99% variable APR. This is an above average range compared to other cards, and if you receive the Sheetz Personal Credit Card, your APR is even higher at 27.99% variable. Since the APRs are so steep, don’t carry a balance from month-to-month to avoid added interest charges.

Low rewards for everyday purchases. The rewards rate on all purchases outside Sheetz locations is subpar at 1 point per dollar spent. As a result, this card isn’t the best choice for everyday spending. Consider flat-rate cashback and rewards cards that can earn you up to 2.5% cash back on all purchases.

3% foreign transaction fee. If you travel outside the U.S., you’ll incur a 3% foreign transaction fee on all purchases. For example, spending $500 in Italy will cost you a $15 fee. Consider cards with no foreign transaction fees when traveling.

Rewards breakdown

Rewards: 5 points per $1 on Sheetz in-store purchases, 1 point per $1 on all other qualifying purchases.

Exclusions: Some purchases made with your card don’t earn rewards, such as Sheetz fuel and car wash purchases, and a purchase from any merchant (other than Sheetz) whose merchant category code is classified as “service stations” or “automated fuel dispensers.”

Points can be redeemed in several ways:

  • Merchandise
  • Gift cards/certificates
  • Travel (airline, hotel, and car rentals)
  • Cash back as a statement credit, a deposit to any checking or savings account, or as a check sent by mail
  • Other goods and services

Alternative gas rewards cards

  • 0% Introductory APR on purchases for 15 billing cycles

  • 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days

  • 15.74% - 25.74% Variable APR on purchases and balance transfers

Highlights
  • No annual fee
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • Earn 3% cash back in the category of your choice, 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
  • 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.74% - 25.74% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
  • No expiration on rewards
  • If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase

See additional details for Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer

More Info

Revised in Jan. 2019, the Bank of America® Cash Rewards credit card - $200 Cash Rewards Offer offers a rewards program where you earn 3% and 2% cash back on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, 1% on all other purchases  Each month you can select the 3% choice category from one of six categories: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings. This flexibility allows you to select gas stations as your spending category and reap the rewards.

  • $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.*

  • NEW 6% Cash Back on select U.S. streaming subscriptions & 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.

  • 1% back on other purchases*

Highlights
  • Earn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • NEW 6% Cash Back on select U.S. streaming subscriptions.
  • NEW 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 3% Cash Back at U.S. gas stations. 1% Cash Back on other purchases.
  • Over 3 million more places in the U.S. started accepting American Express® Cards in 2017 and 2018.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 14.49% to 25.49%
  • $95 annual fee.
  • Terms Apply.
  • See Rates & Fees

See additional details for Blue Cash Preferred® Card from American Express

More Info

The Blue Cash Preferred® Card from American Express is a great choice for both grocery and gas purchases. Cardholders earn 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%) and 3% at U.S. gas stations.

Keep in mind, there’s a $95 annual fee, but if you spend enough each year, you can recoup the fee in rewards.

  • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter & 3% cash back on restaurants and eligible travel purchases

  • 0% fee for transactions while traveling abroad

  • $0 annual fee

Highlights
  • Discover one of Citi's best cash back rewards cards designed exclusively for Costco members
  • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
  • 3% cash back on restaurants and eligible travel purchases
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
  • No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
  • Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
  • The standard variable APR for Citi Flex Plan is 16.74%. Citi Flex Plan offers are made available at Citi's discretion.

See additional details for Costco Anywhere Visa® Card by Citi

More Info

If you’re a Costco member, the Costco Anywhere Visa® Card by Citi can earn you a great cashback rate on gas spending: 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter, 3% on restaurants & travel, 2% at Costco & Costco.com, 1% on all other purchases. While this card has a $0 annual fee, keep in mind it also requires a Costco membership, which starts at $60.

Bottom line

The Sheetz Visa® Credit Card is a decent choice for people who want to save on gas and live in one of the six states with Sheetz gas stations (Pa., Md., Va., W.Va., Ohio, N.C.). If you don’t live in one of these states or simply don’t gas up or shop in-store at Sheetz, there’s little benefit of having this card. Consider alternative gas, cashback, and rewards cards.


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