Sheetz Credit Card
Sheetz Credit Card Unaffiliated

Sheetz Credit Card

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Purchase APR  (Variable APR) 21.99% - 27.99%
Balance Transfer APR  (Variable APR) 21.99% - 27.99%
Credit Score Range Starting at 700
Annual Fee $0

Sheetz Credit Card Review

This is a store cashback credit card issued by First National Bank of Omaha. If you're wondering whether Sheetz Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 21.99% up to 27.99%.
  • No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
  • 5% Balance transfer fee. Sheetz Credit Card charges a fee of 5% on balance transfers. For example, a balance of $1,000 could cost $50 in transfer fees. The minimum fee is $10.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
  • Good or better credit required. You will have low approval odds if your credit score is below 700.
Pros & Cons of Sheetz Credit Card
The Good The Bad
  • No annual fee.
  • Identity Theft Protection.
  • Cardholders can earn rewards on their purchases.
  • Sheetz Credit Card reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Requires good to excellent credit.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 3%.
  • Charges a 5% balance transfer fee.
  • Does not include many credit card benefits.
Sheetz Credit Card FAQ

Does Sheetz Credit Card have a cash back or rewards program?

This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.

Sheetz Credit Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A

Does Sheetz Credit Card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Sheetz Credit Card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Sheetz Credit Card benefits?

It provides the following benefits:

  • Reports to major credit bureaus

What are the relevant APRs for Sheetz Credit Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

Sheetz Credit Card has a variable purchase APR that ranges from 21.99% up to 27.99%. The card has a variable balance transfer APR that ranges from 21.99% up to 27.99%. It also has a variable cash advance APR of 25.49% .

The good news is this card does not charge a penalty APR if you are late on a payment.

Does Sheetz Credit Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Sheetz Credit Card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Sheetz Credit Card?

The following fees apply:

Sheetz Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 3%
Returned Payment Fee $35
Late Payment Fee $40

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.

Does Sheetz Credit Card have a foreign transaction fee?

Sheetz Credit Card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.

What is the customer service phone number for Sheetz Credit Card?

The Sheetz Credit Card customer service number is (415) 908-2200.

What is the support contact email for Sheetz Credit Card?

The support contact email for Sheetz Credit Card is

What is the Sheetz Credit Card login page?

You can access the Sheetz Credit Card login page here.

How do people rate the customer service and user experience of Sheetz Credit Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does Sheetz Credit Card report your account activity to credit bureaus?

Yes, Sheetz Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Sheetz Credit Card

  • Visit the Sheetz Credit Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.


Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 5:00pm
  • Saturday Closed

Other Services by First National Bank of Omaha

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View all credit cards offered by First National Bank of Omaha


  Available in 6 states
  • Maryland
  • North Carolina
  • Ohio
  • Pennsylvania
  • Virginia
  • West Virginia

Feature Breakdown

Annual Fee $0
No Interest Grace Period for Late Payment 21 days
Cash Advance Fee Minimum $15
Cash Advance Fee (%) 5%
Minimum Cash Advance Fee ($) $15
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $1.75
Returned Payment Fee $35
Late Fee Amount $40
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
  • Tax Returns
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 -
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits Identity Theft Protection
Rewards Categories
  • 5% Cash Back on In-Store Eligible Purchases up to $1
Cash Advance APR (Variable APR) 25.49%
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 21.99% - 27.99%
Balance Transfer APR (Variable APR) 21.99% - 27.99%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 5%
Card Type
  • Rewards
  • Cashback
  • Store Card
Card Network Visa

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First National Bank of Omaha Credit Cards