Sheetz Credit Card

Sheetz Credit Card Review

This is a store cashback card issued by First National Bank of Omaha. If you're wondering whether Sheetz Credit Card is the right card for you, read on.

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. You need good credit to qualify. Does not offer a signup bonus. Charges a foreign transaction fee of 3%. You don't earn rewards on every purchase. Charges a 5% balance transfer fee

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

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.

What are the fees for Sheetz Credit Card?

The following fees apply:

Sheetz Credit Card Fees

Fees	Amount
Annual Fee	$0
Overlimit Fee	$
Initial Program Fee	$
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 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.