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Sheetz Visa Credit Card Review

Sheetz Visa Credit Card Review

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This article was last updated Jan 09, 2015, but some terms and conditions may have changed or are no longer available. For the most accurate and up to date information please consult the terms and conditions found on the issuer website.

Sheetz describes their stores as a kicked-up convenience store that’s a mecca for those on the go. Sheetz provides service 24/7/365 so their customers always have access to gas, food and drinks. You can find an entire menu of food items that can be customized to your liking by using their touch screen ordering system or choose from about a dozen Espresso bar drinks for the sleepy road warrior who still has more driving to do.

Sheetz also has a store credit card for the frequent visitor to help you save on gas and earn rewards for your purchases, which is provided by First National Bank. Gift cards are also available for purchase.

Let’s take a look at the benefits of the Sheetz Platinum Edition Visa Card.

Sheetz Platinum Edition Visa Features:

  • Receive up to .08 cents off per gallon at any Sheetz location
  • Earn 5 points for every $1.00 spent on purchases inside Sheetz
  • Earn 1 point for every $1.00 spent everywhere else
  • No annual fee

What’s great about this card is that there are many different ways to redeem rewards for points earned and you’ll receive discounts at the pump by using your Sheetz Platinum Edition Visa Card. You can redeem points for gift cards to your favorite restaurants or stores, redeem for popular brand-name products, travel, or as straight cash back. Cardholders are eligible to redeem earned rewards as soon as the account is opened, and will continue earning rewards as long as the account remains in good standing. If the account does not remain in good standing, you may be subject to forfeiting future reward points, points already earned, and discounts at the pump.

Rates and Fees:

  • On-going APR for purchases and balance transfers is 15.99%, 17.99%, or 19.99% variable, based on your creditworthiness
  • APR for cash advances is 25.24%
  • APR for balance transfers is 15.99%, 17.99%, or 19.99% variable
  • Penalty APR 29.99%

The on-going APR puts this card right at what you would expect as the industry average. It’s also convenient that this particular credit card is a Visa Platinum so it can be used for everyday purchases everywhere Visa is accepted.

There is a business version of this credit card that comes with a separate list of features that may be appealing to those who manage a fleet of cars. Sheetz makes it convenient to track and manage fuel and company expenses. The perks of the business card include discounts on high levels of fuel purchases and  on vehicle services.

Bottom Line

This card doesn’t seem like a bad offer, it’s just a bit limiting. Unless you frequently visit Sheetz or have one conveniently located near you, a hard inquiry on your credit report may not be worth having the card since the main benefits are tied to Sheetz Stores. If you have to travel farther to get to a Sheetz, the money spent to travel those extra miles would most likely cancel out the discounts received. Some credit cards do have significant savings when it comes to discounts at the pump, and make owning a gas rewards credit card worth it.

There are several additional card options to choose from that will offer gas rewards and discounts at multiple gas stations. Check out the following cards that will earn you points when you pay at the pump:

Citi® Double CashCiti® Double Cash Card – 18 month BT offer– Cardholders can Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay. That means cardholders can earn 1% cash back twice. Citi Double Cash makes it extremely convenient to earn cash back rewards that can be redeemed any way you choose, so you’re earning rewards on more than just fuel purchases.

Chase Freedom®–  Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories every 3 months. Unlimited 1% cash back on all other purchases. New cardholders can also Earn a $150 Bonus after spending $500 on purchases in your first 3 months from account opening.

Blue Cash Preferred® Card from American Express – Cardholders can earn 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 and at select U.S. department stores. 1% cash back on other purchases. That is a great way to save on gas and other purchases. Unlike the above offers, this card does come with a annual fee of $95. *Terms and limitations apply.

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